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Sued by Glasser and Glasser? How to Negotiate Debt

George Simons | December 11, 2024

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Follow these steps to settle debt with Glasser and Glasser: Verify the debt, calculate what you can pay, negotiate, get the agreement in writing, and make timely payments.

You don't recognize the number, so you send the call straight to voicemail. The voicemail reveals that it’s a debt collector calling from Glasser and Glasser about an outstanding debt. Now, you cringe every time the phone rings, worried it's yet another call from a persistent collector.

Is there a way out? Are these calls just a scam? When will the calls finally stop? Don't panic. This guide will help you explore your options to resolve the debt and alleviate the stress that comes from frequent debt collection calls.

So sit back, relax, and keep reading to learn how to negotiate with Glasser and Glasser to resolve the debt.

Settle debt with Glasser & Glasser

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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Is Glasser and Glasser a legitimate company?

Glasser and Glasser, or G&G, is a legitimate law firm specializing in debt collection and has a long-standing presence in the legal collections industry. Established in 1932, the firm has built a reputation for handling various legal matters, including debt recovery. Their legitimacy stems from their adherence to legal standards and regulations governing debt collection practices. As a debt collection law firm, they are subject to the Fair Debt Collection Practices Act (FDCPA), which ensures that they treat debtors fairly when trying to get them to pay back a debt.

Despite their legitimacy, some individuals may have concerns about their aggressive collection tactics. It is important to differentiate between aggressive and illegal practices. While Glasser and Glasser may employ assertive strategies to recover debts, they must operate within the legal framework established by the FDCPA. Debtors who feel that their rights have been violated can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal counsel.

Glasser and Glasser is a law firm that acts as a debt collection agency, representing national and regional banks, consumer finance companies, credit unions, municipalities, and others.

Visit Glasser and Glasser, P.L.C.’s Better Business Bureau (BBB) page for information and reviews from other clients.

Who does Glasser and Glasser collect for?

Glasser and Glasser collect for:

  • Bank of America
  • Capital One
  • Credit Acceptance Corporation
  • Discover
  • FIA Card Services
  • Barclays Bank

What to do if Glasser and Glasser collections calls you

Repeated phone calls can be daunting, but understanding how to handle it can make a significant difference in the stress you feel. Persistent debt collectors can even call you at work, presenting an unwanted distraction that you can live without. Thankfully, there's a path forward.

Stay calm and take notes during the conversation. Record the date, time, and name of the person you speak with and the details of the debt they claim you owe. This information will be crucial if you need to dispute the debt or verify its legitimacy. Information to ask for includes:

  • The original debt collector’s name
  • G&G’s mailing address
  • Names of anyone involved in collecting the debt
  • The date the debt originated and the date of the last payment
  • The amount owed on the debt

Request written verification of the debt. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a Debt Validation Letter, which should include the debt amount, the creditor's name, and your rights as a debtor. This step is essential to ensure that the debt is yours and that the amount is accurate.

Once you receive the validation letter, review it carefully. Compare it with your records to confirm its accuracy. If discrepancies arise, contact Glasser and Glasser in writing to dispute the debt. Include copies of any relevant documents that support your claim. G&G must cease collection activities until they provide verification of the debt.

Admit nothing

Do not admit ownership of the debt. Even if the debt turns out to be legitimate, accepting responsibility can waive your right to fight the debt or negotiate a better payment.

Similarly, do not give out any personal or financial information over the phone. Legitimate debt collectors will already have this data, and this can help you avoid being scammed.

Send a Debt Validation Letter to Glasser and Glasser collections

As a consumer, it's your right to obtain validation of your debt. Send them a Debt Validation Letter asking them to provide written confirmation of your debt. They will send you a document that includes:

  • The original debt figure
  • The amount you've paid
  • The remaining balance
  • Additional fees
  • Information about the creditor

Once you receive this document, you have 30 days to dispute the debt or request more information about the original creditor.

Keep everything in writing.

From your initial contact with Glasser and Glasser, request that future correspondence be in writing. Email is often a faster way to keep everything in writing while working toward a solution.

How to settle a debt with Glasser and Glasser

Consider negotiating a settlement if the debt is valid and you’re unable to pay the full amount. Glasser and Glasser may be open to a lump-sum payment or a payment plan. SoloSettle is a web app designed to help you negotiate a settlement with creditors and debt collectors online.

If you’ve been sued by Glasser and Glasser or received a debt collection notice, settling the debt can save you time, stress, and additional legal complications. Here’s a step-by-step guide to navigate the settlement process effectively:

Step 1: Verify the Debt

Confirm the details: Ensure the debt is yours and the balance is accurate. Mistakes happen, especially with common names or account mismanagement. Put your concerns in writing and request verification from the collector. This documentation can clarify errors and protect your rights.

Step 2: Calculate What You Can Afford

Assess your finances. Determine how much you can realistically pay in a lump sum or through a payment plan, and negotiate wisely. Glasser and Glasser debt collectors prefer lump-sum payments and are more likely to accept lower offers for immediate payment. If you need a payment plan, make sure you can stick to it. If you anticipate having more funds in the future, but can’t afford a lump-sum payment right now, start with smaller monthly payments and lead up to a larger lump sum.

For example, let’s say you owe $7000. You can offer to do monthly payments of $100 for five months and $4,500 in the sixth month, giving yourself time to save up for the lump-sum settlement amount.

3. Initiate Negotiations

Reach out to Glasser and Glasser directly or use SoloSettle’s online settlement portal for a convenient and structured negotiation process. Be prepared to explain your financial situation and reasons for seeking a reduced payment. Have your income and expense details ready, as some collectors may request proof.

Finally, be patient and expect counteroffers. Negotiations often involve multiple rounds before reaching an agreement.

Make an offer to settle your debt with the help of SoloSettle.

Settle with SoloSettle

Make an Offer

4. Get the Settlement Agreement in Writing

To protect your rights and avoid potential disputes or issues in the future, ensure the agreement is documented and signed by both parties. This prevents disputes about the settlement terms in the future. Keep a copy of the agreement and request a confirmation letter stating the debt has been resolved.

5. Make Payments on Time

Stick to the plan and follow the agreed payment schedule. Missing payments can lead to additional collection actions like wage garnishment or property seizure. If you’re unable to make a payment, contact the collector immediately to discuss alternatives. Keep records of all payments and monitor your credit report to confirm the debt is marked as resolved.

By following these steps, you can work toward resolving your debt with Glasser and Glasser in a way that protects your financial future and avoids further legal complications. Tools like SoloSettle can make the process even smoother, helping you negotiate online and document your settlement securely.

Keep track of and make payments securely with the help of SoloSettle.

Learn more about these tips in the following video:

What if Glasser and Glasser take me to court?

Unfortunately, some debts aren't easy to resolve, resulting in a lawsuit. If this happens, you can still request your debt validation as above and prepare your response. SoloSuit can help you with this by guiding you through the answering process.

Don't miss your court date. Failing to physically appear on the specified date results in a default judgment, giving G&G the right to garnish your wages to satisfy the debt, and the default judgment may also include the court costs and attorney fees.

To avoid default judgment, you should draft a written Answer and file it in the case. To respond to a lawsuit against Glasser and Glasser collections , follow these three steps:

  1. Answer each claim listed in the Complaint document from Glasser and Glasser. Keep in mind that most attorneys recommend that you deny as many of the claims as possible. This will strengthen your case and require more work for Glasser and Glasser to prove their claims.
  2. Include your affirmative defenses. Your Answer document should include a section where you list all the legal reasons that Glasser and Glasser does not have a case against you—these are known as your affirmative defenses. One common affirmative defense is that the debt may be past the statute of limitations (the time period in which a debt is valid to sue) in your state.
  3. File your Answer with the court and send a copy to Glasser and Glasser. SoloSuit can help you file an Answer in all 50 states.

Let’s look at an example.

Example: When Judy got sued by Capital One bank, she took a closer look at the court documents and discovered that Glasser and Glasser were the lawyers representing the bank in the court case. She knew she needed to act, so she used SoloSuit to draft and file an Answer into the case. Filing her Answer helped Judy avoid default judgment, but it was only the first step to resolving her debt. She negotiated with Glasser and Glasser on SoloSettle’s online settlement portal until they agreed to settle for 75% of the original amount. SoloSettle helped her get the agreement in writing, sign it, and have it filed with the court, after which her case was dismissed.


Prepare your Answer

If you've been named in a lawsuit, you have 14-35 days to respond, depending on where you live. SoloSuit can make that easier by helping you prepare a written Answer to the lawsuit. Create an account today, and discover how the right help can take the stress out of your debt.

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