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How to Resolve Debt With Stillman Law Office

Dena Standley | August 26, 2025

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

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: Stillman Law Office doubles as a law firm and debt collection agency, fighting for creditor’s rights and helping them collect their money. If Stillman Law Office has contacted you about a debt, Solo can help you respond to a debt lawsuit and settle your debt before going to court.

If Stillman Law Office has contacted you about a debt, you might be wondering whether the company is legitimate, especially if their communication feels persistent or stressful.

Like other debt collection law firms, Stillman Law Office is allowed to reach out regarding outstanding debts, but they must follow the rules set by the Fair Debt Collection Practices Act (FDCPA). If you've been sued by Stillman Law Office, it's important to understand your rights and options. Solo can help you navigate the situation and take appropriate steps to settle your outstanding debt.

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What is Stillman Law Office?

Stillman Law Office is a legitimate law firm in Michigan specializing in third-party debt collection. It has been in business for 14 years with clients from small to large organizations and international companies. More specifically, Stillman Law Office helps collect debt in several industries, including insurance, financial institutions, hospitals, and automotive lenders.

Since Stillman Law Office is first a law firm, it also offers its clients legal services ranging from lawsuit representation, seeking garnishment orders, attachments, and repossession actions.

The website for Stillman Law Office outlines how you can make a payment directly to the law firm. Below is the Stillman Law Office phone number and other contact information:

Stillman Law Office reviews show why it's important to communicate with collectors

Stillman Law Office is a legit debt collector, even though it hasn't been accredited by the Better Business Bureau yet. The law firm has a range of reviews online. While some people report challenges in their interactions, others have had positive and respectful experiences—especially when they engage in open, honest communication.

For example, a real consumer name Jennifer shared this encouraging story on a Stillman Law Office review on Google:

“I’ve had nothing but pleasant and positive interactions. I dealt with one individual, Michael, even when I was ill he cut me a break on my payment. He said he could hear how sick I was and extended my payment even further. Always, always pleasant to interact with. Now, and take no offense anyone reading this, I’ve always been pleasant and accommodating with them. Owned up to my debt. Owned up to the money I could pay, answered all of their calls when they did call. I was straight up with them so they’ve been straight up with me.”

This review highlights an important point: when consumers are transparent and cooperative, Stillman Law Office will show flexibility and understanding in return. While past complaints have focused on communication issues or difficulties with debt validation, these experiences don’t reflect every interaction.

If you choose to work with Stillman Law Office to resolve your debt, remember that you have legal rights. You can request validation of the debt, negotiate payment terms, and protect yourself with the right tools and knowledge. Keep reading to learn how to legally resolve your debt with Stillman Law Office and settle for less.

Resolve debt with Stillman Law Office in 3 steps

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

  • If you've been sued, respond to a Stillman Law Office debt lawsuit.
  • Negotiate and settle your debt with Stillman Law Office.
  • Get the debt settlement details in writing.

Let's break down each step in detail so you're in a prime position to work with Stillman Law Office and resolve your debts for good.

Step 1: Respond to Stillman Law Office debt lawsuit

Like most debt collection agencies, Stillman Law Office also sues debtors who ignore their attempts to collect. If you are in this situation, do not despair. You can still resolve the debt, but you must respond to the lawsuit before your state's deadline to avoid default judgment and show Stillman debt collectors that you want to engage and resolve the debt.

Follow these three simple steps to respond to a Stillman Law Office debt lawsuit.

1. Answer each claim listed in the Complaint

A complaint document is always included in the lawsuit. It contains a list of allegations Stillman has made against you. Your task is to respond to each allegation in any of these three ways:

  • Admit: This means you agree with the allegation.
  • Deny: This means you want SLO to prove the allegation.
  • Deny due to lack of knowledge: This means you don't know.

Debt specialists often advise consumers to deny most allegations to let the creditor prove their case in court. It may also increase your chances of negotiating a settlement deal if there isn't enough evidence to prove each claim.

2. Assert your affirmative defenses

This section allows you to explain why you are not responsible for the debt and, if it is truly yours, why you should not pay it. However, stating that you lack money to pay the debt is not a viable defense. You may lose favor with the judge if you use this excuse.

The following are affirmative defenses you can use:

  • The statute of limtiations on the debt owed to SLO has expired
  • The debt information was incorrect
  • SLO violated your consumer rights
  • You paid off the debt, or it was canceled
  • SLO hasn't shown legal standing to collect the debt on behalf of the creditor

Does this process sound long and challenging? SoloSuit can help you draft your affirmative defenses using our Answer document.

3. File the Answer in court, and send a copy to Stillman Law Office

The last step is essential because if you draft an excellent Answer and it fails to get to the court in time, SLO will receive a default judgment. Hence, make three copies of your answer document and send one to the court indicated in the lawsuit, send the second copy to SLO, and keep the last copy in your records. Do this before the deadline for sending your answer in your state.

Use SoloSuit to draft and file if you've been sued by Stillman Law Office.

Step 2: Negotiate and settle your debt with Stillman Law Office

After you respond to your debt lawsuit with an Answer, you have bought yourself time to work out a debt settlement plan.

Start by reviewing your finances to figure out how much you can afford to pay, either as a lump sum or in monthly payments. Then, reach out to Stillman Law Office and make an initial offer. Start low, typically between 30–60% of the total debt, to give yourself room to negotiate.

Stillman Law Office will work with you, especially if you promise to pay a lump sum and clear the remaining balance within the shortest time possible. Based on typical debt settlements, it’s best to offer a payment of no less than 60% of the debt value; however, the final decision rests with you. If you aren’t in a position to pay that much, communicate your circumstances and explore whether Stillman Law Office is willing to work with you.

Watch the following video to learn more about settling a debt with Stillman Law Office:

SoloSettle is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

If you’re honest and proactive, Stillman Law Office may be willing to work with you. In fact, many consumers report positive interactions when they clearly communicate their financial situation and stay responsive during the process.

Need help making an offer? SoloSettle can send and manage your settlement offers for you, protecting your personal info and helping you stay in control.

Step 3: Get the debt settlement details in writing

If Stillman Law Office agrees to settle your debt, the final and most important step is to get the agreement in writing before making any payment.

The written settlement agreement should clearly include:

  • The total amount you'll pay
  • The payment deadline (or payment schedule)
  • A statement that the payment settles the debt in full

This protects you from future collection attempts on the same debt and ensures both sides are on the same page. Once you have the agreement, pay the settled amount on time to close the matter for good.

SoloSettle can also help you receive and store your settlement agreement securely.

The FDCPA protects consumers when debt collectors contact them

The Fair Debt Collection Practices Act (FDCPA) seeks to protect debtor's rights when debt collection agencies come after them. These guidelines ensure creditors do not mistreat, harass, or scam you when communicating about your debt. Examples of these regulations state that debt collectors should not:

  • Make numerous calls in a day for the same debt
  • Threaten to take and keep sensitive documents until you pay
  • Talk to your colleagues, neighbors, and family members about your debt
  • Refuse to give more information about themselves and your debt
  • Fail to verify the debt on request

Notably, your right to debt validation can help you respond to an initial contact from Stillman Law Office and potentially prevent a debt lawsuit. Debt validation can also force debt collectors to stop contacting you. Here’s how.

Under the FDCPA, you have 30 days to request that a debt collector validate an obligation after you first receive written communication. You can do this by sending a Debt Validation Letter. Once Stillman Law Office receives your letter, the collection agency must provide you with the following evidence before attempting to contact you again:

  • The name of the original creditor and the total amount due.
  • A copy of the contract where you agreed to take on the debt.
  • The date of the last payment made on the account.
  • The age of the debt.
  • An explanation for whether the obligation is past your state’s statute of limitations.
  • Still Law Office’s debt license number in your state.

If a debt collector fails to validate your debt, or if they have violated any part of the FDCPA, submit a complaint to the Fair Trade Commission, your state’s attorney general, the CFPB, and the BBB.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



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