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How to Settle with Hunt and Henriques

Patrick Austin, J.D. | September 27, 2024

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.

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: To settle a debt with Hunt & Henriques, verify the debt and ensure it's accurate before negotiating, offer a lump sum or payment plan, typically 30-50% of the total amount, and secure a written agreement to finalize the settlement and ensure no further action.

If you received a letter, or a phone call, from someone stating they are with Hunt and Henriques, do not dismiss this outreach. It likely means Hunt and Henriques has been retained by a creditor or debt purchaser in an effort to collect on an unpaid debt, such as credit card debt from large credit card issuers, commercial loans, or business card accounts. If you ignore their outreach, the communications are likely to continue and may escalate to a debt collection lawsuit.

Sued by Hunt & Henriques? Respond and settle the debt outside of court.

Settle debt with Hunt & Henriques

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What is Hunt and Henriques?

Hunt & Henriques is a debt collection law firm. The firm does not typically purchase debts. Rather, the firm represents other debt purchasers and creditors who have purchased unpaid and delinquent accounts, including credit card debt accounts from large credit card issuers, auto deficiency accounts, business card accounts, and so forth.

For example, Hunt & Henriques is known to represent companies like:

  • Portfolio Recovery Associates
  • LVNV Funding
  • Citibank
  • Wells Fargo

These creditors and collection agencies hire Hunt & Henriques to represent them when they’re ready to take legal action on the debts. They give the law firm guidelines for minimum amounts they will accept to settle the debt. Hunt & Henriques coordinates all the legal efforts and will contact you directly to discuss options for settlement. You can also be proactive and reach out first to discuss your payment options. This is a good way to avoid going to court.

Hunt and Henriques LLP typically carries out fairly standard debt collection activities related to delinquent consumer obligations. They will send out letters and make repeated telephone calls. They also file debt collection lawsuits.

Contact Hunt and Henriques

If you’re ready to reach out to settle your debt, you can contact Hunt & Henriques at the following:

Settle with Hunt and Henriques

In an effort to avoid going through time-intensive litigation proceedings, and possibly getting hit with an adverse judgment, it may make sense to try and negotiate a settlement with Hunt and Henriques pertaining to your delinquent consumer obligations. Here are three steps you can take to settle debt with Hunt and Henriques.

Step 1: Review and validate the debt with Hunt & Henriques

Before engaging in settlement talks, request debt validation from Hunt & Henriques. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask for verification of the debt. Ensure that they provide documentation proving that the debt is yours and that they are legally authorized to collect it. This will also buy you time to assess your situation.

Step 2: Negotiate a settlement with the Hunt & Henriques attorney assigned to your case

Once you’ve validated the debt, begin negotiating a settlement. Start by offering a lower percentage of the total debt, typically 30% to 50% of the original amount, and be prepared to negotiate upward. Offer a lump sum payment if possible, as creditors are more likely to accept a lower amount if they receive immediate payment. Be firm but polite in your negotiation, and make sure you’re negotiating based on your financial situation.

Step 3: Get everything in writing

Before making any payments, ensure that Hunt & Henriques provides you with a written agreement outlining the settlement terms. This is known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full and that they will not pursue any further legal action or collections. Additionally, confirm that they will report the debt as "settled" or "paid" to credit reporting agencies. Once you have this in writing, proceed with the payment as agreed.

By following these steps, you can settle your debt with Hunt & Henriques while protecting your financial interests.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the credit card debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

To learn more about these steps, watch our video guide below:

The Fair Debt Collection Practices Act protects consumers like you

Despite being a law firm and not a debt collection agency, Hunt and Henriques LLP is still obligated to adhere to state and federal debt collection laws. One of the most important consumer protection laws in the area of debt collection is known as the Fair Debt Collection Practices Act (FDCPA).

This federal law makes it illegal for debt collectors - including debt collection law firms - to engage in unfair, deceptive, and abusive collection practices. The FDCPA also provides individuals with a number of rights. If those rights are violated by a debt collector, or a debt collection law firm, you have the option to pursue legal action.

Specifically, the FDCPA restricts debt collectors, including representatives from Hunt and Henriques, from engaging in the following conduct:

  • Failing to identify themselves as debt collectors
  • Yelling at you over the phone
  • Using obscene or profane language in communications with you
  • Using threatens or intimidation to try and compel you to pay
  • Calling you at an unreasonable hour of the day or night
  • Impersonating law enforcement officers or government agents
  • Refusing to provide certain information about the debt

You also have the right to verify basic information about the debt you allegedly owe through a debt validation letter. Check out SoloSuit’s guide on How to Make a Debt Validation Letter to learn more.

Hunt and Henriques Notice of Intent to File Suit

If you receive a letter from Hunt and Henriques LLP titled as a “Notice of Intent to File Suit” do not fret. As the title implies, Hunt and Henriques haven’t actually filed anything yet, let alone a lawsuit. Rather, this letter is simply stating that Hunt and Henriques possess the intent to file suit.

What to do if you are sued by Hunt and Henriques

You may receive a myriad of phone calls and letters from Hunt and Henriques about unpaid credit card debt from large credit card issuers. Don’t ignore them. If you do, the firm will eventually file a debt collection lawsuit against you.

If you are in fact sued by Hunt and Henriques, you will be served with a summons and complaint. These documents will identify you, state how much you allegedly owe, and instruct you to answer the complaint within your state’s deadline. Do not ignore this debt collection lawsuit. File a response. Do not bury your head in the sand and hope it magically goes away. It will not. Furthermore, failing to answer the complaint will likely enable Hunt and Henriques to request a default judgment, which makes it even easier for them to collect money from you through wage garnishment and seizing your assets.

For more tips on how to negotiate with debt lawyers, check out this conversation with a former debt collection lawyer, Yale Levy, who shares insider tips and tricks on how to settle debt with law firms like Hunt & Henriques:

Hunt and Henriques LLP can garnish your wages

In the event Hunt and Henriques secures a debt collection judgment against you for unpaid credit card debt or other types of debt - whether by default judgment (because you did not answer the complaint) or an adverse judgment entered during trial - the firm could move forward with filing a property lien, pursuing wage garnishment, or seizing money from your bank account.

The good news is that even if a judgment has been entered against you, the option to negotiate a debt settlement remains a possibility.

Key Takeaways

In sum, if you are contacted by a representative from Hunt and Henriques, it likely means you are being pursued for an unpaid debt. If this occurs, always remember that you have statutory rights under the FDCPA, including the right to ask Hunt and Henriques to validate the debt that is purportedly owed. Here are the key steps you can take to settle debt with Hunt & Henriques:

  1. Review and validate the debt.
  2. Call Hunt & Henriques and make an offer, then negotiate.
  3. Get the settlement agreement in writing.

If you are interested in figuring out a way to settle with Hunt and Henriques, consider drafting a settlement offer letter and/or using innovative tools like SoloSettle.

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Read Hunt and Henriques reviews online

Hunt and Henrique reviews can tell you more about the law firm and how to interact with its attorneys. The law firm has been accredited by the Better Business Bureau since 2012 and has an A+ BBB rating. However, its BBB profile also shows that Hunt & Henriques earns 1 out of 5 stars from customer reviews. The Consumer Financial Protection Bureau reports hundreds of complaints against the firm.

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