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Sued by Velo Law Office? How to Resolve Debt Without Going to Court

Chloe Meltzer | December 18, 2024

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.

Chloe-Meltzer
Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

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: If you've been sued by the Velo Law Office, don't panic. Respond promptly with a written Answer to avoid a default judgment. Then, negotiate a settlement or plan to present your case in court. Use Solo to respond and settle the debt outside of court.

If you were served, then you may be trying to gather your thoughts and figure out your next move. Being sued for a debt or pursued by a debt collector can be stressful, and most commonly the instinct is to run and hide. This is the wrong decision.

If you are being sued for debt by Velo Law Office, then you have options. You may have received a summons in the mail, many calls from this office, or you might even have a judgment against you. Regardless, you do have the opportunity to resolve the unpaid debt with Velo Law Office.. The critical first step is to respond.

Settle debt with Velo Law Office

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

Settle with SoloSettle

What is the Velo Law Office?

Velo Law Office is a debt collection law firm based out of Grand Rapids, Michigan. The firm has been in business since 2010 and has operations in multiple states including Michigan, Ohio, Indiana, and Montana.

Here’s the Velo Law Office phone number and other contact information:

  • Phone: 616-333-0707
  • Address: 1750 Leonard St, NE, Grand Rapids, MI 49505
  • Email: contact@velo.law
  • Website: https://www.velo.law/

Who does the Velo Law Office collect for?

Velo Law Office collects debts on behalf of various companies operating in multiple sectors of the economy, including financial services, healthcare, and so forth. Based on some of our internal data, here are some of the specific clients that Velo Law Office collects for:

  • Big Lakes Lawncare
  • Consumers Credit Union
  • Continental Finance Company
  • DNF Associates LLC
  • Kincade Group LLC
  • Merrick Bank
  • Munson Healthcare Cadillac
  • Munson Medical Center
  • Novi Surgery Center
  • Occidental Development LLC
  • Radiology Muskegon PC
  • Security Credit Services

As you can see from these examples, Velo Law Office represents many clients in various industries. So, don’t be too surprised if you receive a notice of a lawsuit from Velo Law Office. If you owe debt to a bank, healthcare facility, or any other financial institution, they probably hired Velo Law Office to collect the debt owed by means of legal action.

Read Velo Law Office reviews online

If you are interested to learn more about Velo Law Office, then take a moment to read these Velo Law Office reviews online:

Before negotiating with Velo Law Office, it’s helpful to understand other people’s experiences. Like most debt collection law firms, Velo Law Office receives mixed reviews—some positive, others not so much. These reviews highlight one key takeaway: open, honest communication can often make the process smoother and lead to a resolution. Let’s look at two real examples to see what we mean.

Sarah’s Story: A Positive Outcome

When Sarah received a letter from Velo Law Office about her overdue credit card debt, her heart sank. She had fallen behind after a rough year but wanted to resolve the debt. Instead of ignoring the letter, Sarah picked up the phone and called the firm directly.

“Honestly, I was scared to make that call,” she said. “But the representative I spoke with was surprisingly kind and professional. I explained my situation, shared what I could realistically afford, and asked if they’d work with me.”

To her relief, Velo Law Office agreed to a settlement. Sarah offered a lump sum that was 60% of the total debt, which the firm accepted. She even received a confirmation letter stating her debt was settled in full.

“I’m so glad I didn’t ignore it,” Sarah reflected. “The key was being honest about my finances and showing I was willing to cooperate.”

James’ Experience: A Frustrating Start with a Lesson Learned

James’ experience started differently. He ignored calls and letters from Velo Law Office for months, thinking the problem would disappear. Eventually, the firm filed a lawsuit against him. Panicked, James finally reached out to negotiate.

“The conversation didn’t start well,” James admitted. “They were firm and not very flexible at first. I could tell they were frustrated that I waited so long to respond.”

James explained his financial hardship and provided proof, like recent pay stubs and overdue bills. After a few back-and-forth offers, Velo agreed to a payment plan that fit James’ budget.

“In the end, I realized that avoiding the issue only made things worse. Once I started communicating openly, things turned around. I just wish I had done it sooner.”

These stories demonstrate an important lesson: ignoring Velo Law Office won’t make the debt go away. While some experiences may feel frustrating, staying calm, honest, and proactive can lead to positive outcomes. Whether you settle for less or arrange a payment plan, clear communication is your best tool for resolving debt effectively.

Know the Law

When you are being pursued for a debt by Velo Law Office, there are a variety of laws that you should be aware of. The Fair Debt Collection Practices Act (FDCPA) is a group of laws that protect you as a consumer.

When Velo Law Office calls you, they must abide by the following rules:

  • They must announce who they are and that they are calling to collect a debt.
  • They must not disclose any details of your debt to anyone other than your spouse, or parents if you are under the age of 18.
  • They may not use intimidating or rude language.
  • They may not harass you or threaten you to force you to pay your debt.
  • They may not call you at work if it is not allowed.
  • They must not call too late or too early. This typically means no calls before 8 am and none after 9 pm.
  • They may not continue to contact you if you have submitted a cease and desist letter or if you have hired a lawyer.

Make the right affirmative defenses the right way.

How to negotiate a debt settlement with Velo Law Office

If you’ve already received a Summons and Complaint from Velo Law Office, you still may be able to negotiate a debt settlement. It is important to proactively respond to the debt collection lawsuit so you have sufficient time to engage in meaningful negotiations. Here are some recommended steps to try and settle a debt with Velo Law Office:

  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 Velo Law Office, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

How to defend yourself against Velo Law Office in court

If debt settlement negotiations were unsuccessful and you are going to court with Velo Law Office, be sure to take the following steps to ensure you have the best chance of winning your case.

Respond

Most people do not respond to a lawsuit in the appropriate amount of time. This will result in a judgment, which means you have already lost. When you respond, never admit fault. Be sure to file your answer with the clerk of the county, and ask for an answer. If you are working with a lawyer, they should send a certified copy to Velo Law Office.

SoloSuit makes it easy to win a debt collection lawsuit.

Review Your Options

When being sued for a debt, you can find loopholes that will invalidate the debt. This might include:

  • The statute of limitations: This is a certain amount of time when you can be sued for the debt. After the statute of limitations expires, you can have your case thrown out.
  • Ask for proof: This might include challenging their right to sue or asking for proof of the original debt. If they cannot find this proof and show it to the court, then they may have no claim against you, and the case will be thrown out.
  • File a countersuit: You may file a counterclaim against Velo Law Office if you believe they have violated the Fair Debt Collection Practices Act in any way. Although this does not automatically throw out your case, it may convince them to drop it to avoid a lawsuit on their behalf.
  • File for bankruptcy: This should be the last option, but if you are suffering from financial issues, it may be your best option.

Settle with SoloSettle

Make an Offer

Don't give up

When in a lawsuit against Velo Law Office, you have options. Keep fighting and look for all loopholes. In the end, you may be able to obtain a settlement, if nothing else. Then you can move on to rebuild your credit and get back to your life before debt.

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The Ultimate 50 State Guide

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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.

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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.

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Other wage garnishment resources

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.

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Civil law legal definitions

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