Debt Collection
Rembish, LaSaracina & Bizzarro represents creditors and collection agencies in both the consumer and commercial collection industries, and we have a long and distinguished list of satisfied clients. Whether you are a creditor or a collection agency, our collection attorneys are dedicated to serving your debt collection needs. We are well equipped to handle all of your accounts, whether large or small, in all types of collection matters throughout Connecticut. Our lawyers and staff pride themselves on providing clients with the high quality, professional service that they deserve.
Why use Rembish, LaSaracina & Bizzarro for your collections?
Our staff is well trained in the debt collection process. Our goal is to set up payment arrangements and to collect money while avoiding unnecessary legal costs to our clients. However, when legal action is necessary, we are able to proceed quickly and efficiently, alleviating the need for you to go through a middle-man. At Rembish, LaSaracina & Bizzarro, we will aggressively pursue your claims and obtain judgments on your behalf.
Our law firm has all the necessary resources to deliver the results you demand. We have a full time collections staff that is knowledgeable and experienced in bringing our clients’ claims to a productive and profitable disposition. In all, we make the collection process hassle-free. In addition, we use these and other readily available resources to track down hard-to-find debtors at little or no cost to you.
Once an account is placed with Rembish, LaSaracina & Bizzarro, we take the following steps:*
· Claim is reviewed and we use our various resources to locate the debtor
· Send demand letter
· Three (3) days after demand letter is sent, we follow up with a phone call
· Seven (7) days after the demand letter is sent, if we are unable to communicate with the debtor, we file a complaint
o Small Claims – On debts of $5,000.00 or less, we will file a small claims complaint. The cost to file said complaint is $35.00, which is recoupable from the debtor following a judgment.
o Superior Court – On debts of more than $5,000.00, we will file a superior court complaint. The cost to file said complaint is $225.00, plus you have to pay a state marshal anywhere from $45 - $70 to serve the complaint. Again, these costs are recoupable from the debtor following a judgment.
· After we obtain a judgment:
- File a Judgment Lien: If the judgment debtor owns real estate we will place a judgment lien on the property. The cost is $43, but again that too is recoupable from the judgment debtor
- Send Interrogatories – Sometimes we send interrogatories to the debtor and local banks, but that is only if we have a very strong feeling of where the debtor has a bank account.
- Executions
i. Bank Executions – We work closely with our network of state marshals who regularly visit banking institutions to seek and verify the debtors’ accounts.
ii. Wage Executions – If we are able to determine where the judgment debtor works, we will file for a wage execution. The cost is $35 and that is recoupable from the judgment debtor. The judgment debtor’s employer would then be required to pay a certain portion of her check to us until the judgment is satisfied.
o Examination of Judgment Debtor – If we can’t collect using any of the aforementioned methods, we cause the judgment debtor to be brought into court and questioned under oath as to what assets they have. If the judgment debtor fails to appear in court, we will order a capias and have a marshal find the judgment debtor and physically bring them into court to answer our questions.
As law firms are increasingly called upon to collect debts from corporations and individuals, there is a growing need for trained and experienced professionals in that field. We assist clients not only in obtaining judgments, but also in ultimately collecting on the amount due to them. We deal with the debtors and the courts for our clients. Our lawyers and staff constantly keep clients apprised of the files that they send to us by sending updated communications, either by email, phone, fax or mail – whatever the client prefers. Our clients have access to our attorneys and paralegals and are guaranteed a return phone call within twenty-four hours. We believe that this level of service, combined with our speedy turnaround time, competitive fees and outstanding recovery ratio, sets Rembish, LaSaracina & Bizzarro apart from other debt collection firms.
* This is a general description of the collection process and because all claims are somewhat unique, they may not all necessarily follow this pattern. In addition, time frames during the litigation process are purposefully omitted because each case may be handled differently. With respect to structured payments, we can accommodate many different requests.
