Sued by RAS LaVrar? How to Settle Debt in 3 Steps

Patrick Austin, J.D. | September 30, 2024

Edited by Hannah Locklear

If you have been sued by the RAS LaVrar law firm, then you may be feeling anxious and overwhelmed about what to do next. Do not fret. There are strategies and options to address the matter and avoid having to go to court. In fact, you may be able to negotiate a settlement with RAS LaVrar in three straightforward steps. Keep reading to learn more.

What is RAS LaVrar?

RAS LaVrar is a debt collection law firm operating out of Plantation, Florida with offices in Florida, Georgia, South Carolina, North Carolina, Virginia, Pennsylvania, New Jersey, New York, and Texas, which means that the firm operates in states that comprise over 40% of the US population.

The firm acts as a debt collector for an array of creditors and debt purchasers. Their primary objective is to contact debtors, including those residing in Fort Lauderdale, on behalf of their clients in an effort to recoup the amount owed.

RAS LaVrar generally handles debt collections for companies ranging from financial institutions to retailers. They also pursue various types of debts, including unpaid credit card bills, auto loans, and personal loans.

Once Ras Lavrar LLC acquires a debt, they are known to aggressively pursue a payment. This is because the amount owed becomes their responsibility, so they are likely to make repeated phone calls, send letters, and potentially take legal action to collect on a debt.

Contact RAS LaVrar

If you’re ready to contact RAS LaVrar to negotiate debt settlement, you can use the following RAS LaVrar phone number and other contact information:

• Phone: 954-735-4455
• Email: negotiations@raslavrar.com
• Address: 1133 S University Dr, Plantation, FL 33324
• Website: raslavrar.comhttps://raslavrar.com/

How to settle a RAS LaVrar debt in 3 steps

If you were served with a Summons and Complaint regarding a RAS LaVrar debt collection lawsuit, then now is the time for action. Taking a few proactive steps could help you get RAS LaVrar off your back and get them to accept a significantly lower amount via settlement.

The debt settlement process can be as simple as follow these three steps:

• Respond to pending debt lawsuits.
• Determine how much you can afford, then send an offer.
• Get the debt settlement terms in writing.

Let’s explore each step in more depth:

Step 1: If RAS LaVrar sues you, respond to the lawsuit

In many instances, before a debtor even has the opportunity to engage in meaningful settlement discussions, the credit may hire attorneys like RAS LaVrar LLC to escalate the matter by filing a debt collection lawsuit. If you find yourself in this situation and are being sued by RAS LaVrar for an unpaid debt, then you need to make sure you respond appropriately and in a timely manner. Failing to respond to a debt collection lawsuit is never a good idea since it often results in the court entering a default judgment in favor of the debt collector.

To avoid default judgment, you have to file an Answer with the court and send a copy to RAS LaVrar before your state’s deadline, which could be anywhere from 14 to 35 days. Here are some basic tips on what to include in your Answer:

• Court information
• Party information
• Response to each claim listed against you in the Complaint
• Your affirmative defenses
• Certificate of service stating that you served the plaintiff

When you get sued for debt, you receive court documents that outline the details of the case. They are known as the Summons and Complaint (aka a Petition in some states). These docs contain a list (or paragraphs) of the reasons why the creditor is suing you. Make sure to respond to each and every paragraph. Your response should state whether you admit, deny, or deny due to a lack of knowledge the particular accusation in the Complaint.

For context, if you admit to an accusation, you are effectively ceding that point to RAS LaVrar. If you deny an accusation, that response effectively means you want RAS LaVrar LLC to prove the accusation in a court of law. Since RAS LaVrar is the plaintiff in a debt collection lawsuit, they bear the burden of proving each contested accusation. If you respond by denying due to lack of knowledge, it effectively means you do not have sufficient information to determine whether the accusation is legitimate or false.

After responding to each accusation, you will have the opportunity to state your defense, or defenses, to the debt collection lawsuit. There are an array of affirmative defenses that may apply to your case, including:

• The amount being pursued is inaccurate.
• The debt is past the statute of limitations, meaning RAS LaVrarcannot sue you.
• There is no evidence of a contract between you and the creditor or debt collector.
• You already paid the debt.

Once you have crafted your affirmative defenses, you need to make sure to properly file your Answer. This is an important step in the process since failing to properly file can adversely impact your standing in court and your chances of prevailing against RAS LaVrar. If you are unsure how to file, consider using SoloSuit. If you opt to file the Answer yourself, make sure to print at least two copies of the Answer. You should mail one copy of the Answer to the court and one copy to RAS LaVrar LLC. Make sure to send it via certified mail with a return receipt requested.

If you are unsure of the court's address, consider using SoloSuit to file for you.

Step 2: Contact RAS LaVrar LLC to make a settlement offer and negotiate

Once you have responded to the debt collection lawsuit, the next step is to send an offer to settle with RAS LaVrar to kickstart negotiations. For example, you should consider drafting an initial settlement offer and send that offer via mail and/or email to the debt collector. Generally speaking, your initial offer should be less than the amount you are able to realistically pay. That way, if RAS LaVrar responds by making a counteroffer, you will have some proverbial wiggle room to negotiate.

To determine how much you can realistically pay, consider calculating how much money you have left over each month after paying necessary expenses, such as rent/mortgage, groceries, utilities, and transport. Use the following formula:

Amount available to settle = (monthly income – monthly costs) + savings)

You should also factor in what you think RAS LaVrar will actually accept in a settlement. This determination can be somewhat tricky since every debt collector is different. Nevertheless, many debt collectors will accept 60% of the original debt value.

Step 3: Get the settlement terms in writing before you pay

After negotiating with RAS LaVrar and, hopefully, reaching an amicable settlement, make sure to get the specific terms and conditions in writing. RAS LaVrar should provide you with a written debt settlement agreement. Both you and the RAS LaVrar representative (likely a debt collection lawyer) need to sign the document before you agree to make any settlement payment. Once you have a written settlement agreement in place, you will likely need to use the RAS LaVrar login to enter their payment portal. Once you successfully complete the RAS LaVrar login, proceed with paying the settlement amount.

Automate the debt settlement process with SoloSettle.

To learn more about how to negotiate with debt collectors like RAS LaVrar, watch the following video where we interview former debt collection attorney, Yale Levy, and ask how to settle debt. With nearly 30 years of experience in collecting debt and debt collection litigation, Yale shares some expert insights on how to negotiate with collectors to resolve debts and avoid going to court. Check it out!

Key Takeaways

Who is RAS LaVrar?: RAS LaVrar is a debt collection law firm based in Plantation, Florida, specializing in collecting various types of consumer debts, such as credit card and auto loans. Once RAS LaVrar acquires a debt, they actively pursue repayment through repeated calls, letters, and possible legal action.

To settle your debt with RAS LaVrar, you can follow these steps:

• Respond to the Lawsuit: If sued by RAS LaVrar, file an Answer to avoid default judgment.
• Negotiate a Settlement: Make a reasonable settlement offer to resolve the debt for less than the full amount.
• Get Terms in Writing: Secure a written agreement outlining settlement terms before making any payment.

SoloSettle makes the process simple, and it works even after you’ve been sued.