Are you being sued on a delinquent credit card debt? Our Consumer Advocacy Division defends lawsuits against creditors and junk debt buyers brought by Midland Funding, Mandarich Law Group, Apothaker & Associates, CACH, LLC, Calvary Portfolio, Equable Ascent Financial, LLC and many more. See below for important information on the largest creditors and collection law firms in the nation and contact us for help at 714-617-8387.

Being sued on a delinquent debt is a stressful and confusing process. Trying to navigate a lawsuit on your own can be overwhelming and difficult. Don’t worry—Higbee & Associates can help. We will handle the entire lawsuit process for you as your debt collection attorneys. Our law firm is focused is on helping people get second chances, and our Consumer Advocacy division’s focus is on consumer rights, including credit card collection defense. We have exceptionally trained debt collection attorneys and staff who have successfully resolved thousands of debt defense cases nationwide.

Call a Debt Collection Attorney Today

If you are currently being sued or recently had a default judgment filed against you, we can help!

Call (714)617-8387 now for a free, no obligation consultation!

Debt Collection Lawsuit Defense Overview

Higbee & Associates advocates for consumers! Our division’s entire team is exclusively committed to protecting your rights. We understand that in today’s economy, financial troubles can happen to anyone. We know you want to make things right but are struggling to make ends meet. That is why we strive to provide an easy, affordable, stress-free process to help consumers who have fallen into debt.

Higbee & Associates debt collection defense services includes the following:

  • Filing all court documents
  • Conducting the discovery process
  • Attending any and all hearings
  • Negotiating the best possible settlement for you
  • No Additional Fees if your case goes to trial
  • 95% of our cases have settled without a trial

We handle your entire case from start to finish for a flat fee, no matter how long it takes! Our debt collection attorneys are some of the best. Not only do we have over 50 years of combined experience, but we are passionate about fighting for consumers who are being hassled by large credit card companies.

Don’t trust just anyone to handle this for you–you need the debt collection attorneys at Higbee & Associates on your team, fighting for you! There are many debt settlement companies that pretend that they are affiliated with attorneys and run off with clients’ hard earned money. Higbee & Associates is a national law firm, thoroughly dedicated to helping clients get a second chance. We pride ourselves on our stellar reputation and top-notch customer service. We have earned the trust of thousands of clients through our successful handling of their cases, and we have earned an “A+” rating with the Better Business Bureau for our zealous client representation.  To read what our clients have to say about us, click here.

Benefits of Hiring Our Debt Collection Attorneys:

  • Have experienced debt collection attorneys handle your case from start to finish for one flat fee!
  • Stop the constant harassment from creditors!
  • Help get you back on your feet and out from under all the debt!
  • You don’t have to go court in most cases! Our experienced debt collection attorneys will appear in court on your behalf!
  • Stop fighting with creditors and their attorneys – let us fight for YOU!

Once you hire an debt collection attorney to represent you in your debt collection case and the law firm or debt collector is given your attorney’s information, debt collectors, or attorneys representing creditors or debt buyers, such as Zwicker & Associates are no longer allowed to contact you in an attempt to collect the debt. These debt collectors are prohibited from continuing to send you monthly statements or contact you in any way in an attempt to collect that debt. They cannot call your cellular telephone using an automatic telephone dialing system. The automatically dialed telephone calls, called “robo-calls”, invade your privacy and could violate the Telephone Consumer Protection Act (TCPA). The TCPA provides for $500.00-$1,500.00 in damages per call placed in violation of the TCPA. These auto-dialed cases can be very valuable to you. If you are receiving calls from Zwicker & Associates, P.C. or any other debt collector, answer your phone, take good notes and call us today at 714-617-8387.

Hire Higbee & Associates as your debt collection attorneys, and you will receive the best representation the industry has to offer:

  • Top rated debt collection attorneys dedicated to your rights
  • Over 50 years combined experience in debt collection defense and civil litigation
  • Fully committed to your success
  • Flat fee pricing
  • “A+” rated representation
  • Above and beyond customer service


Some other notable reasons are:

Value. At Higbee & Associates, we believe all individuals and companies deserve to receive high quality representation at an affordable cost. We offer flat-fee pricing with no hidden fees.

Technology. We use the most current cutting edge technology and legal resources to help us complete our cases more quickly. We have access to all the latest decisions that impact debt collection law, and have connections to industry experts.

Personal Service. At Higbee & Associates, providing high quality customer service is our top priority. We take our clients seriously, listen to their concerns, and advise them accordingly. We answer all phone calls and emails promptly, and treat our clients with the highest level of respect and professionalism.

Frequently Asked Questions

I am not sure I can repay my debts. Can you help me?

Yes! Should you need it, Higbee & Associates can handle your bankruptcy too! Because we are a national, full service law firm, we are able to assess your unique circumstances and determine which financial relief option is best for you, whether it is debt settlement, debt defense, bankruptcy, a short sale or loan modification. We offer all of those services and will help you choose the one that best fits your specific needs.

I am being sued by a creditor and I missed the deadline to file an answer. Can you still help me?

Yes! Call us! We may be able to file an answer before a default judgment is entered against you. Our dedicated debt collection attorneys will research your case free of cost, provide you with your current status, and tell you what we can do to help.

There is a default judgment already entered against me. Can you still help me?

Yes! Call us! We may be able to set aside the default judgment depending on the circumstances of your specific case. Our dedicated legal team will research your case, free of cost, and provide you with a recommendation. In many cases, we can still help you.

I already filed an answer on my own. Can you still help me?

Yes! Call us! We can take over your case, amend your answer, and you will receive all the benefits of having Higbee & Associates represent you.

I haven’t been sued yet, but I am delinquent on my credit card bills and afraid of being sued. What do I do?

We can still help you! We are a national, full service law firm. We offer much more than just debt defense. Call us at (714)617-8387  for more information about our highly successful debt settlement service. In the area of consumer rights, we can also help with loan modifications, short sales, bankruptcy, foreclosure defense and more.

I keep getting phone calls from creditors.  Can you stop them?

Yes! Call us! Once you have retained our law firm, we immediately notify all of your creditors that Higbee & Associates now represents you. At that point, they MUST stop all contact with you.

Do you have a payment plan?

Yes! We offer affordable flat fee rates for all of our services. However, if you are unable to pay the flat fee in one payment, we also offer reasonable and convenient payment plans. Call us today for more information- we will work with you.

Do I really need an attorney?

Yes! Many people who attempt to represent themselves on their own are taken advantage of or fail to complete necessary steps in the process that negatively impact their case, due to their lack of familiarity with debt collection law and procedures. Higbee & Associates will not let that happen to you. You will receive high quality representation from experienced attorneys who are knowledgeable in all aspects of debt defense cases. Call us today at (714)617-8387 for a free consultation.


Information on Common Creditors and Debt Collectors

CACH, LLC Debt Collection Lawsuit

CACH, LLC is a national debt buyer that attempts to collect on old debts that they bought in bulk. Often, they lack the documents necessary to legally identify your debt. CACH, LLC will try to get you to agree to a settlement with a judgment that stipulates that if you miss one payment, they can come after your bank account or get a lien against your home. Many debt buyers, like CACH, LLC, try to collect three times OR MORE of the original debt amount owed. There are state limits as to interest and fees that can be charged. Know your rights. Contact our debt collection attorneys for help at 714-617-8387.

Calvary Portfolio Services Debt Collection Lawsuit

Calvary Portfolio Services has office locations in New York, Oklahoma, Minnesota and Arizona but they file lawsuits against struggling consumers all over the nation. Calvary Portfolio Services advertises as resolution specialists that help you get back on your feet. They claim that they are there to help consumers “solve their financial challenges.” Calvary Portfolio Services is actually a junk debt buyer that purchases defaulted loans for pennies on the dollar and then makes money by collecting on those debts. They aren’t trying to help anyone-they are in business to make money off of unsuspecting consumers. Before you pay Calvary Portfolio Services anything, contact an attorney for legal advice. You have a right to verify the amount of debt they are saying is owed. You have a right to make sure they own the debt. You have a right to know what interest charges and fees were added to the original debt amount. Contact our debt collection attorneys for help today  at 714-617-8387.

Midland Funding, LLC Debt Collection Lawsuit

Midland Funding, LLC is a national corporation that buys old debt and sues to collect money from thousands of consumers in your state each year. Midland Funding, LLC claims to be “helping” consumers pay off their financial obligations but, in fact, the original creditor does not even own your debt anymore. They describe themselves as teachers and coaches and act like they are doing you a favor by collecting on your debt, but don’t be fooled. These debts have been charged off and sold by the original creditor. Midland Funding buys hundreds of accounts at a time in bulk and pays pennies on the dollar for your debt. The original creditor doesn’t see one dime of the money you pay. It all goes to Midland Funding, LLC. Our first job at Higbee & Associates is to make sure you even own the debt they say you own. Then, we will verify the amount is correct. We will verify they have the proper documents to bring a case and if not, we will get it dismissed. We will check every step, every time to make sure they don’t take advantage of you. Contact our debt collection attorneys for help today at 714-617-8387.

Equable Ascent Financial, LLC Debt Collection Lawsuit

Equable Ascent Financial, LLC is a worldwide corporation operating in the United States and throughout the United Kingdom. It is owned by Hillco Receivables. In order for Equable Ascent Financial, LLC to sue on a debt, they must prove with the proper documentation that they own that debt with the proper documentation. This is why they always try to get you to enter into an agreement with them first. This agreement will often come with a judgment allowing them to levy your bank account if you fail to make one payment. Many of these debts are too old to even be sued on in a court of law. However, if you make even one payment on the debt, the statute of limitations begins again, and then you can be sued. Make sure you know the age of the debt, the amount of fees and interest and that Equable Ascent Financial has proper documents to verify all of this important information. Contact our debt collection attorneys for help today at 714-617-8387.

Mandarich Law Group Debt Collection Lawsuit

Mandarich Law Group is a California based collection law firm that represents junk debt buyers like CACH, LLC. Mandarich Law Group focuses on suing consumers on accounts in California and Washington. Mandarich Law Group has been in business representing creditors since 2010 and are focused exclusively on creditor’s rights. Although the lawyers at Mandarich Law Group are a competent group of attorneys, they often do not have the documentation to support winning a case in court. This is because a debt buyer often buys an account with no more than one monthly statement and a generic bill of sale. These documents fail to show proof that the account really belongs to Mandarich Law Group’s client. There are defensive strategies that can be employed to help you in your fight against Mandarich Law Group. Contact our debt collection attorneys for help today at 714-617-8387.

Patenaude & Felix, A.P.C. Debt Collection Lawsuit

Patenaude & Felix, A.P.C. is a debt collection law firm, though most of its employees are not lawyers. Patenaude & Felix, A.P.C. has locations in Arizona, California, Nevada, Oregon, Pennsylvania, and Washington. Patenaude & Felix litigates and collects for clients in all six states. Patenaude & Felix’s main office is located in San Diego, California. Patenaude & Felix does not buy old debts, but it does represent junk debt buyers and creditors in an attempt to sue or collect on the old debt. Patenaude & Felix often represents Capital One and Discover Bank. If you get a call from Patenaude & Felix, do not agree to a settlement and never make a payment without first consulting a consumer rights attorney. You need to verify the debt and the legal owner of the debt before entering into any negotiations. We can help protect your rights. Sometimes these debts have the wrong amount due or include interest rates or fees that are above what is allowed by law. Contact our debt collection attorneys for help today at 714-617-8387.

Persolve, LLC Debt Collection Lawsuit

Persolve, LLC is involved in collection and debt buying and focuses on litigation located in Chatsworth, California. Persolve, LLC operates nationally in debt collection under the name of Account Resolution Associates. Persolve, LLC, like other debt buyers mentioned does not always have the documents necessary to win in court. Some of the debt Persolve buys is bought directly from the creditor; other debts are bought from another debt buyer, such as Riverwalk Holdings. If you are contacted by Persolve, LLC or Account Resolution Associates, do not give them any payment until you understand your rights under federal and state law. The best way to protect yourself is to contact a consumer rights attorney. To prevail in court, Persolve, LLC must prove every link in the chain of title. This means that Persolve, LLC must establish that every prior owner of the debt held valid title to that specific debt when it sold the debt to the next buyer in the chain. Persolve must do this in court using admissible evidence they often do not possess. The more links in the chain, the more difficult it is for Persolve, LLC to prove its case. Contact our debt collection attorneys for help today at 714-617-8387.

Portfolio Recovery Associates Debt Collection Lawsuit

Portfolio Recovery Associates operates in the United States and the United Kingdom collecting and suing on debt charged off by the original creditor. Their website reports, “Cash collections of $1.1 billion” for 2013. This company buys old accounts by the thousands and settles most of them without going to trial. For 2013, Portfolio Recovery Associates invested a record $656.8 million in new portfolios of debt. This is not a company you want to go up against unrepresented. They are sophisticated and have legal strategies that are not in the consumer’s best interest. Portfolio Recovery Associates often claims that you still owe money on debts that have been charged off and they are here to help you. Portfolio Recovery Associates claims to be managing the now charged off debt but the fact is, once the debt is charged off and sold by the original creditor, that debt belongs to Portfolio or another debt buyer and the original creditor will not make a dime from your repayment of that debt. If you are contacted by Portfolio Recovery Associates, contact us for help today at 714-617-8387.

Apothaker & Associates Debt Collection Lawsuit

Apothaker & Associates is one of the largest volume collection law firms in the Pennsylvania and New Jersey area. Apothaker & Associates represents collection agencies, junk debt buyers and some original creditors, such as Discover Bank. Often these accounts are bought in bulk at an extremely reduced rate. Then, the junk debt buyer or collection agency gets Apothaker & Associates to file dozens of lawsuits in multiple counties on a daily basis. Many times, the lawsuits are dismissed due to lack of evidence. Some times collectors will try to strong arm you into believing they own the debt when in fact, they may not be able to prove that in court. Don’t be fooled by their scare tactics. Don’t make a single payment on a debt that hasn’t been verified without talking to a attorney who knows yours rights as a consumer. Contact our debt collection attorneys for help today at 714-617-8387.

Zwicker & Associates Debt Collection Lawsuit

Zwicker & Associates is a major national debt collection law firm that represents leading financial institutions, such as American Express, Discover Bank, FIA Card Services, N.A., and Target National Bank in mass debt litigation. Zwicker & Associates’ employs nearly 1,000 employees nationwide. Zwicker & Associates’ corporate offices are located in Andover, Massachusetts, but they sue and collect on debts in the following states: Arizona, California, Connecticut, Florida, Georgia, Idaho, Illinois, Kentucky, Maryland, Massachusetts, Michigan, New Jersey, New Hampshire, New York, Ohio, Oregon, Tennessee, Texas, Virginia, Washington, West Virginia, and District of Columbia. If you have been receiving debt collection calls from Zwicker & Associates, P.C., or any other collection law firm or debt collector and their conduct violates the Fair Debt Collection Practices Act (FDCPA), you could sue them for monetary damages. If Zwicker & Associates, P.C. calls you or sends you a monthly statement in an attempt to collect the debt, their conduct is governed by the Fair Debt Collection Practices Act and possible state laws as well. Contact our debt collection attorneys for help today at 714-617-8387.

Call us today at (714)617-8387 for a free consultation.

*Required Fields
  • *
  • *