Start My Answer

How to Negotiate a Faber and Brand Settlement

Sarah Edwards | November 27, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: If you’ve been contacted by Faber and Brand, it’s because the law firm is seeking to collect on an unpaid debt. You can respond to a debt collection lawsuit by filing an Answer with the court using SoloSuit. Once you verify your debt with a Debt Validation Letter, you can use SoloSettle to negotiate a settlement agreement and resolve your debt once and for all.

Have you been ducking phone calls from Faber and Brand? That’s not the best strategy. Faber and Brand is a law firm that handles debt collection, among other things. If you ignore them, you could soon face a lawsuit — if you haven’t been sued already.

It’s time to stop running and face your debt head-on. Here’s how to resolve your debt quickly and permanently.

What is Faber and Brand, LLC?

Faber and Brand is a law firm that assists clients with debt collection and subrogation. If you’ve been contacted by someone representing the company, it’s because they believe you’re responsible for a past debt.

Is Faber and Brand a legitimate company?

Yes, Faber and Brand is a legitimate debt collection law firm. According to the company website, Faber and Brand, LLC has been in operation since 1998. While it’s a legitimate company, it isn’t accredited with the Better Business Bureau (BBB).

As of 2023, the BBB website listed several complaints against the company, though no complaints were listed on the Consumer Financial Protection Bureau (CFPB) database.

How do I contact Faber and Brand?

You can contact Faber and Brand through their online contact page or by calling them at either 888-233-3141 or 573-449-3141. You can also reach them by mail at P.O. Box 10110, Columbia, MO 65205.

The following photo is Faber and Brand’s office located 6750 New Town Ave, Columbia, MO 65203.

Faber and Brand reviews

Faber and Brand has received nearly 100 Google reviews, earning it an average rating of 1.7 out of 5 stars. Check out some real Faber and Brand reviews below:

Resolve your debt with Faber and Brand

Debt collectors, including those from Faber and Brand, LLC, are relentless. Thankfully, relief is within reach if you act strategically. The following steps can help you respond to debt collectors and resolve your debt once and for all.

Report aggressive debt collectors

The federal Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from aggressive collection practices. This law prevents companies like Faber and Brand from practices such as:

  • Failing to identify themselves as a debt collector.
  • Calling you multiple times per day.
  • Calling you before 8 a.m. or after 9 p.m.
  • Speaking with your friends, family members, or coworkers about your debt.
  • Continuing to call you after receiving a Cease and Desist Letter.
  • Using vulgar language.
  • Threatening you with arrest for unpaid debt.
  • Refusing to validate your debt.

The Federal Trade Commission (FTC) allows you to report violations through their website or by calling 877-382-4357. You may also report them through the CFPB’s website or by calling 855-411-2372.

File an Answer to a debt lawsuit

If you’ve been sued over your debt, you need to act quickly. In some jurisdictions, you have as little as two weeks to file an Answer with the court. If you don’t, the judge may render a default verdict in favor of Faber and Brand, LLC.

An Answer is a document that expresses your intent to fight the lawsuit. At the very least, it can buy you some time to make your next move and start the negotiation process.

Draft your Answer today using SoloSuit. We can even file it for you.

Verify your debt with Faber and Brand

Don’t just assume that your alleged debt (or the given amount) is legitimate. Instead, press Faber and Brand to verify your debt through a Debt Validation Letter. This document will provide definitive proof that the debt is yours by:

  • Identifying your original creditor.
  • Specifying the debt amount.
  • Recording the date the debt occurred.
  • Documenting your payment history (if any).
  • Providing clear proof that the debt is yours.

Make sure you get your debt in writing to confirm your debt before moving on to the negotiation step.

Negotiate a lower settlement with Faber and Brand

If the debt isn’t yours, you can fight the lawsuit in court. Otherwise, your best option is to negotiate a lower settlement. Most debt collectors are willing to take a lower settlement rather than go through a lengthy legal process.

Start negotiating with SoloSettle. With this tool from SoloSuit, you don’t have to deal directly with debt collectors on the phone. Instead, SoloSettle will draft and present your initial offer. It’s a good idea to start with 60% of your total debt.

Ideally, Faber and Brand will accept this amount. If not, they’ll likely submit a counteroffer. Keep negotiating until you arrive at a mutually agreeable settlement. Then, SoloSettle makes it easy to arrange a Faber and Brand, LLC payment plan.

Let’s look at an example.

Example: Claire had been struggling with her bills, but she didn’t know how bad things had gotten until she received a phone call from Faber and Brand, LLC. Soon after, she received a summons regarding a debt collection lawsuit. Fortunately, one of Claire’s friends recommended SoloSuit. Claire was able to draft an Answer with the court, then used the time to get enough money together to settle the debt. Claire used SoloSettle to send an initial offer in which she agreed to pay 60% of her original debt. Faber and Brand didn’t go for this but proposed a settlement of 65%. Claire agreed. She’s now making consistent on-time payments and working to eliminate her debt for good.


Learn more about the debt settlement process in this short video:

Get your settlement agreement in writing

It’s important to get everything in writing, especially your final debt settlement. If you don’t, a debt collector might pursue the lawsuit anyway and secure a default judgment. Having documentation through SoloSettle will help protect you from dishonest debt collectors.

Don’t forget to save any emails or correspondence with Faber and Brand. Doing so will allow you to document the negotiation and settlement process and protect you from further litigation.

Get the process started by using SoloSettle to negotiate a lower payment amount.

Stop running from debt with Faber and Brand

Stop avoiding debt collectors. Negotiating a lower settlement through SoloSettle will enable you to resolve your debt permanently. The sooner you get started, the sooner you can move on with your life.

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started

Contents