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How to Resolve a Debt with Nathan and Nathan PC

George Simons | January 29, 2025

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: When Nathan and Nathan PC come looking for repayment on your debt, it can be a stressful situation. Avoid summary judgment by responding to lawsuits and take proactive steps to resolve your debt issue. Solo can help.

If you are being sued for debt from a collector named Nathan and Nathan PC, you may be worried, stressed out, or unsure of where to turn next. Typically, this will come in the form of a Complaint and Summons.

This notification of a debt lawsuit can occur for various reasons. Whether it is for unpaid medical debt, credit card debt, or other forms of consumer debt. If you are being taken to court by Nathan and Nathan PC, your debt was most likely sold to this company by the original creditor.

What is important to note is that if you do not respond, matters will get worse. Your number one concern should be responding within the allotted time or attending the court hearing as requested by the court. Otherwise, it may result in a default judgment.

Settle debt with Nathan and Nathan PC

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

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What is Nathan and Nathan PC?

Nathan and Nathan PC is a legitimate debt collector that has been in business since 1991. Nathan & Nathan, P.C. (previously known as Nathan & Associates, P.C.) provides debt collection and legal services throughout Alabama, Tennessee, Mississippi, and Georgia.

Who does Nathan & Nathan collect for?

Nathan & Nathan represents various companies operating in Alabama, Tennessee, Mississippi, and Georgia.

Use Solo to respond to debt collectors fast.

Read Nathan & Nathan PC reviews online

If you want to know people have shared regarding their debt collection experience with Nathan & Nathan PC, then take a moment to check out these real online reviews:

It’s fair to say the online reviews for Nathan & Nathan PC are not all positive. Though, there are some reviews that show you can have a positive experience communicating with their attorneys to discuss a debt resolution. Consider, for example, an online review posted by a borrower named Amanda:

“Seems to be an unpopular opinion but they were great to work with. Always answered when I called. Only once was I on hold for about 20 minutes but then learned they had different departments for the different creditors and the one I was needing to speak with had a call queue. They were reasonable in working out payment arrangements and great with communication.”

Amanda’s review highlights the fact that if you proactively engage with Nathan & Nathan, you can achieve a resolution to your debt issue. For example, Amanda pointed out that Nathan and Nathan representatives were “reasonable in working out payment arrangements and great with communication.” Effective communication is critically important.

Nevertheless, if the prospect of calling a debt collector to negotiate a resolution sounds like nails on a chalkboard, then consider utilizing SoloSettle to negotiate online and resolve your debt through our innovative digital settlement platform.

Settle with SoloSettle

Make an Offer

Negotiate with Nathan and Nathan PC to settle your debt

Most debt collectors are open to the idea of negotiating a settlement amount or a repayment plan instead of going through a time-consuming and expensive debt collection litigation process. If they agree to negotiate, ensure that the agreement is in writing and that you honor your end of the bargain.

Here are three steps you can take to try and settle your debt with Nathan & Nathan:

Step 1: Determine how much you can pay toward the debt

Before starting debt settlement negotiations, make sure to calculate how much you can actually afford to pay in a lump sum. Your calculation should take into consideration your other living expenses. If you don’t have sufficient funds to make a lump sum payment, try to calculate what you could pay in installments.

Step 2: Reach out to Nathan and Nathan to engage in debt settlement negotiations

Once you’ve calculated how much you can reasonably repay, the next step is to try and negotiate a settlement. Start by offering a lower percentage of the total amount owed, typically 30% to 50% of the original amount, and be prepared to negotiate upward. If possible, offer a lump sum payment as creditors are more likely to accept a lower amount if they receive an immediate payment.

Step 3: If negotiations are productive, memorialize the debt settlement agreement in writing

Before making a payment toward the debt, ensure you receive a written agreement outlining the terms of the settlement. 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.

To learn more about the steps to effectively settle a debt, watch our video guide below:

If you decide to engage in debt settlement negotiations, 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.

What happens after you’re sued for debt?

Lawsuits are extremely common when it comes to debt and are an effective method of persuading consumers to pay their debt. A summons will provide you with information about when you are expected in court and how you can file a formal response. Typically, you are given anywhere from 20 to 30 days to respond.

Debt collectors send you a summons with hopes that you will not attend the hearing. If you do not respond, then the judge will automatically file a default judgment. After obtaining a default judgment, Nathan and Nathan PC may be able to:

  • Garnish your wages
  • Place a lien on your property
  • Freeze the money in your bank account

Protect your property by filing a response with SoloSuit.

Defend yourself against Nathan and Nathan PC in court

Gather Information

Although Nathan and Nathan PC is suing you, they are not your original creditor. This is because your original creditor (whether that is your credit card provider or a lending company) most likely sold your debt. Nathan and Nathan PC is a debt collector who most likely purchased your debt from the original creditor.

Oftentimes debt accounts are sold more than one time. This allows old debts to come back alive after many years. After you receive the summons, gather as much information as possible. Be aware that you typically have 20 to 30 days (from the date you were served) to file a response.

While you gather information, you should also try to determine if your debt is past the statute of limitations. The statute of limitations is a period in which a creditor or debt collector can legally sue you for debt. Once this period passes, the debt is considered “time-barred,” which means you cannot be sued. Despite this, debt collectors may try it. Although you can no longer be sued for a debt, it may continue to hurt your credit.

Respond to the Lawsuit

After receiving notice for a debt lawsuit from Nathan and Nathan, you need to begin by responding. If you do not respond you run the risk of a default judgment, which involves putting your bank account, wages, and property at risk. You will also lose the ability to fight the debt at all.

When you respond to the lawsuit, do not accept guilt. You should respond and request the following information, which you are legally entitled to:

  • Know who the creditor is
  • Proof of how the amount is accurate
  • Proof that you owe the debt
  • Decide whether you actually owe the debt

Organizing your defense can be extremely complicated, so you must do your due diligence. Be aware that you may also need to pay a filing fee, but there is the option to request a fee waiver if you cannot afford it. Ask the court clerk for information on this.

File the right affirmative defenses with SoloSuit.

Get ready for the hearing

Showing up for your hearing is the most important part of a debt lawsuit. This is the point where the judge will decide if you will be required to pay the lawsuit. This is also your chance to prove your defense or negotiate a deal with the creditor.

If You Owe the Debt

Seek out the creditor before the hearing. You have two options:

  1. Ask to set up a payment plan that you can afford to pay off the debt slowly.
  2. Settle the debt for less than you had originally owed. Typically you may be able to obtain a deal. If you do score a deal, get a written agreement that states what Nathan and Nathan PC needs to consider the debt fully settled. They should also agree to report it to the credit bureaus as paid.

Here are some recommended steps you can utilize to try and settle your debt:

  1. File an Answer to the debt collection lawsuit so you don’t get hit with a default judgment.
  2. Determine how much you can actually afford to pay with the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Make a reasonable settlement offer that is less than the maximum amount you can pay.
  4. Be ready to go through multiple rounds of negotiating.
  5. When you reach a debt settlement agreement, get the terms in writing.

To learn more about these tips and others that may assist you on your journey to settle debt with Nathan and Nathan, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

If You Owe the Debt But Do Not Think You Should Pay

There are many reasons why you may refuse to pay a debt. There are specific defenses known as “affirmative defense” that you may use:

  • What you bought was defective, or you never received it
  • The debt contract was illegal, or you signed it based on coercion
  • The contract of debt that you signed was canceled with the lawful time frame

These affirmative defenses are a sure way to having your debt forgiven.

If You Do Not Owe the Debt

If you are being sued for a debt that you do not owe, or for an amount you did not agree to, then you can push back on the burden of proof. By simply asking for proof, creditors are required to bring forth the original debt contract. They will also be required to prove why they believe the amount specified. Otherwise, the case will be dismissed.

Use Solo to respond to debt collectors and win in court.

Engaging with Nathan and Nathan PC

Although taking on Nathan and Nathan PC may feel impossible, it isn't. If you decide not to hire a lawyer to defend you, then you will need to do your due diligence, and work to make a solid case. This might involve a countersuit, bringing forth the statute of limitations, reporting harassment by Nathan and Nathan, or simply contesting the debt. Just remember you have options, and, before you do anything else, respond to the lawsuit.

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