Start My Answer

How to Beat Stenger and Stenger

Patrick Austin, J.D. | April 11, 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.

Fact-checked by George Simons, JD/MBA

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.

Summary: Is Stenger and Stenger suing you for a debt? Respond with a written Answer to force Stenger law to prove their claims and assert your affirmative defenses. If you know the debt is yours, reach out to negotiate a debt settlement. SoloSuit can help you respond, settle, and more.

If you are being harassed by a debt collector affiliated with Stenger and Stenger, you may be feeling stressed, frustrated and unsure about the future. This is totally understandable since Stenger and Stenger, like many other debt collectors, use aggressive tactics to get you to pay them. That's why Stenger and Stenger might call you at night, send you emails, and use social media to intimidate you into paying an alleged debt.

If you've been sued by Stenger law firm, keep reading to learn how to respond and settle the debt.

Settle with SoloSettle

Make an Offer

What is Stenger and Stenger and how does it work?

Stenger and Stenger is a debt collection law firm that operates out of Grand Rapids, Michigan. Stenger and Stenger provides debt collection and legal services on behalf of clients in various states, including Colorado, Georgia, Indiana, Kentucky, Michigan, Minnesota, New Jersey, Ohio, and Tennessee.

Some consumers claim the firm uses questionable tactics and is overly aggressive in attempting to collect on delinquent accounts. Consumers have also complained about Stenger and Stenger engaging in collection practices that may be in violation of the FDCPA (learn more below).

Who does Stenger law collect for?

Stenger and Stenger law firm represents many debt collectors and creditors in debt collection cases, such as:

  • Absolute Resolution Investments
  • Capital One
  • Citibank
  • Credit Corp Solutions
  • LVNV Funding
  • Midland Credit Management
  • Resurgent Receivables
  • WebBank

Note that this is not an exhaustive list; Stenger and Stenger collects for other collection agencies and creditors.

Contact Stenger and Stenger law firm

To work out a payment plan, call the Stenger and Stenger phone number or the following contact information:

  • Phone: 616-940-1190 or 888-305-7775
  • Address: 2618 East Paris, Grand Rapids, Michigan 49546
  • Email:

Below is a photo of the Stenger and Stenger law office in Grand Rapids, MI:

Read these Stenger and Stenger reviews and complaints

If you're feeling frustrated with Stenger and Stenger, you're not alone. Its Better Business Bureau (BBB) profile gives it a 1 out of 5 stars, and its Google rating is similar with just 1.9 stars. Check out some real Stenger and Stenger reviews below:

Both the BBB and the Consumer Financial Protection Bureau (CFPB) have reported several consumer complaints against Stenger and Stenger.

As of 2024, Stenger and Stenger has received more than 100 complaints on its BBB profile in the last three years. Even worse, the CFPB has reported more than 200 complaints against Stenger and Stenger in the last ten years. These complaints accuse Stenger and Stenger of using several debt collection tactics that are in violation of the Fair Debt Collection Practices Act.

Let's take a look at a real complaint against Stenger law.

“I was served papers on a case I never knew existed. I called and set up a payment of 2 payments for a settlement offer. Called made first one no problem. Called and made 2nd payment. No problem that I thought of, now they are taking me back to court because they never processed the 2nd payment I guess that they took. Now they are trying to get me to pay almost double because they are not able to see that I called and authorized the payment via phone.”

Knowing your rights under the FDCPA can help you protect yourself from aggressive debt collectors like Stenger and Stenger.

The FDCPA protects your rights from collectors like Stenger and Stenger

The Fair Debt Collection Practices Act states several rules and guidelines that control how debt collectors can legally treat you. Sometimes debt collectors go over the line because they only receive payment when they collect debts. Some restrictions on these shady companies include:

  • Debt collectors cannot contact you at work.
  • Debt collectors cannot use bad language and threats when they talk to you or send you letters.
  • Debt collectors are not allowed to threaten you with lawsuits.
  • Debt collectors cannot call you at home before 8 a.m. or after 9 p.m.
  • Debt collectors cannot discuss your debt with anyone except for you, your spouse, and your lawyer.

Don't let debt collectors threaten you. Respond with SoloSuit.

Respond to a debt lawsuit against Stenger and Stenger

You can save yourself a lot of time, money, and stress when you represent yourself in court instead of finding an attorney to do it for you. SoloSuit can help you prepare your legal documents for court and win.

Follow these three steps to respond to a debt lawsuit against Stenger and Stenger:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer with the court, and send a copy to Stenger and Stenger.

Now, let's break down each of these steps a little further. Don't like reading? Check out this video instead:

1. Answer each claim listed in the Complaint

Your Answer document should focus primarily on responding to the specific claims, or allegations, listed in the Complaint document that you received. In response to each allegation, you can admit, deny, or deny due to lack of knowledge. Let's explain.

  • When you admit a claim, it's like saying “This is true.” When you admit a claim, there is no contest. Admitting all the claims in your Answer would probably lead to a judgment against you.
  • When you deny a claim, it's like saying “Prove it.” Keep in mind that this isn't the same as saying “This is not true.” Denying a claim is simply refusing to admit it as truth before a court of law.
  • When you deny a claim due to lack of knowledge, it's like saying “I don't know.” This is a perfectly fine response to use if you aren't sure about the allegations being made against you.

Most attorneys recommend denying as many claims as possible, because this will force PFW to do more work to prove their side of the case. If they don't have the proper documentation for proof, their case won't stand.

Draft an Answer to your debt lawsuit in 15 minutes with SoloSuit.

2. Assert your affirmative defenses

The plaintiff in a collections lawsuit is always the creditor or debt buyer, or in this case, Stenger and Stenger. Because of this, they hold the burden of proof, which means they must establish the right to collect the debt they owe. Specifically, the plaintiff must provide admissible evidence that the lawsuit is true. This is somewhat difficult, but if you do not show up, or respond to the summons and complaint then they will win automatically.

Here are some examples of affirmative defenses you might raise in a debt lawsuit:

  • Stenger and Stenger failed to state the basis of the lawsuit: With this affirmative defense, you are stating that the debt collector did not cite a law that was violated meaning there is not a legal reason to sue you.
  • The debt is time-barred: This means that the statute of limitations has passed. The statute of limitations governs how long you can legally be sued for debt. This may range anywhere from two to 20 years, but on average is anywhere from four to six.
  • Plaintiff lacks legal standing: If Stenger and Stenger has failed to provide legal evidence that they own and can legally collect your debt, they lack legal standing. This typically occurs when the debt collector cannot prove they purchased or were assigned the debt.

SoloSuit can help you assert your affirmative defenses in the right way.

3. File the Answer in court, and send a copy to Stenger and Stenger

After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it, via USPS certified mail, to the attorneys at Stenger law.

SoloSuit can help you file an Answer in all 50 states.

Negotiate a debt settlement with Stenger and Stenger

It is very common to settle a debt collection lawsuit for less than you owe because debt collectors often purchase your debt for pennies on the dollar. This means that even if you are not able to get the lawsuit thrown out, you may be able to settle it for next to nothing. It is important that you realize you may need to pay a lump sum if you wish to get the lowest price possible. If this is not something you can do, then you should expect to attempt to coordinate monthly payments.

You can begin negotiating a debt settlement with Stenger and Stenger at any stage of the lawsuit process. Avoid offering to pay off the whole debt, because you can probably get Stenger and Stenger to settle for a percentage of it.

SoloSettle makes it easy to settle your debt for good.

Watch this video to learn more about debt settlement:

Pay Stenger and Stenger

If you’ve settled your debt, you can pay Stenger and Stenger on the company’s online payment portal. In order to log in to the portal, you’ll need the following information:

  • Your Stenger and Stenger file number
  • The last 4 digits of your SSN

Paying your debt to Stenger and Stenger is typically the best option for debt resolution. It will Improve your credit score, stop collection calls, and help you be a good citizen by meeting societal obligations to pay debts owed.

If you are having issues with the Stenger and Stenger login, call 877-382-2216. You may have to work out the payment over the phone, but be sure to request a receipt and keep record of all your payments should you need proof in the future.

What to do if Stenger and Stenger debt collection sues you

Here’s a quick summary of actions to take if the Stenger and Stenger law firm files a lawsuit against you to recover debts:

  • Note all phone calls that happen before 8 am and after 9 pm. Also, write down if the company calls you at work or uses bad language and threats.
  • Respond to the lawsuit with a written Answer. In your Answer, denying the claims will force Stenger and Stenger to collect evidence that the debt is valid and that you actually owe it.
  • In your Answer, you should also raise at least one affirmative defense, such as a violation of the statute of limitations. Also, demand that Stenger and Stenger prove you owe them the money they allege in their communications.
  • File the Answer before your state’s deadline to respond to a debt lawsuit.
  • After you’ve filed an Answer, reach out to Stenger and Stenger to discuss debt settlement. If you come to an agreement, get it in writing and send over your payment.

The strategies and defenses described above may be effective in prevailing against Stenger and Stenger in court. Also, remember to file a counterclaim if you can prove they violated the FDCPA. They may owe you compensatory damages if they fail to follow the law.

Overall, remember that being sued by a debt collector isn’t the end of the world. There are actions you can take to defend yourself in court and protect your rights.

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.

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.

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.

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.

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