We are a law firm hired by financial institutions to attempt to resolve consumer or commercial debt. We want to work with you to create a payment solution that is appropriate for your unique financial situation. If you have received a lawsuit, letter or phone call from our office, we invite you to contact us today so we can try to help you resolve your account. We can be reached at 703-361-5131.

Creditors are anyone who is owed money. It could be a bank, a lending company, credit card issuer, debt buyer, or generally any person who is owed money. Our firm represents creditors.

Often times creditors sell their defaulted debts. The buyer of these debts steps into the shoes of the original creditor and can enforce the debt, including obtaining a judgment in court. The debtor (person who owes the money) now owes the money to the buyer of those debts.

There are many ways to pay your outstanding account. To make a payment online, please visit our payment portal. If you prefer to call, please call the toll-free phone number listed above. If you prefer not to speak with anyone, you may also mail a check to the address listed on the Contact Us page.

Your file number is typically listed on any letter you receive from us. If you are having trouble finding it, you can always send an email to Help@HarrisLoftus.net or call us at 703-361-5131

YES!  We have many ways of resolving an account through a discounted settlement, payment arrangement, or other solution to fit your needs whenever possible.  Our client ultimately decides whether or not an offer is acceptable or not, but we do our best to try and create the best possible outcome for all parties involved in the recovery process.  This is an opportunity to put an outstanding debt behind you!

NO! We commonly resolve accounts after a judgment has been entered. Judgments are determinations by the court that a debt is owed and empowers our clients to pursue remedies on an involuntary basis.  That is not our preference!  We are always open to the possibilities of entering into a voluntary arrangement whenever possible.

The simple answer is yes. The longer explanation is when a third-party company is involved, we can only resolve matters when they are in communications with us and have provided proper documentation that they have permission to work on your behalf. Always remember to follow-up with any company you hire to insure they are performing to your desires, especially when there is a lawsuit pending against you. Please also be aware that our clients have to approve plans offered by debt settlement or consolidation programs.

No! Our services are paid for by our client, which is the bank or creditor who is owed the money. We don’t charge fees from our firm to any consumers in which we are engaged in litigation or collections against. We represent the banks, and they pay us for our work.  However, our clients will sometimes ask courts to reimburse the attorneys’ fees creditors will pay to us, as part of a judgment.  It is up to a court to decide those attorneys’ fees.

Once a lawsuit is filed, it is very common that we hire a court officer or sheriff to deliver the documents to the home or business of the defendant in the lawsuit. Despite this court process, we remain willing to resolve the matter to the best of our abilities.  Please do not hesitate to contact us!

Although we appreciate offers, settlements, and resolving cases, Harris Loftus doesn’t own the debt and cannot always make the final decision for resolution. However, understanding your circumstances that caused you to make your offer is vital.  That understanding allows us to negotiate a favorable outcome. Communication is vital so that we can better understand your specific financial circumstances and what caused the default to begin with.

Yes, we often pursue commercial accounts with and without a personal guarantee. Generally, we pursue any liable party who guarantees a debt, including businesses, guarantors, and persons who signed for the debt.