Debt Collection Lawyer
Legal Recovery of Debts Totaling $25,000 or more

CLICK HERE – Why Contingency Debt Collection is Doomed to Fail!

If someone owes you money – and you are here at our website, they are already in breach of agreement with you to pay what is owed. Your client/partner/debtor is in default. It is frustrating to be taken for granted: as if the money owed you is no big deal… It is time to be ALL BUSINESS. You need to get all professional — get down to business – the business of collecting the money they promised to pay you.

This is NOT personal; this is strictly business and good business people will not allow the grass to grow under an unpaid debt and broken promises. To do so is foolish. By waiting or stalling, your chances to collect what is owed you, statistically go down the drain – and rather quickly.

As your “hired gun” – I get results! – I am Valerie Kramer and with some 30-years of sometimes attempting to be “nice,” it never seems to produce results. Over the past decades I have gone about the business of collecting debt professionally, but no-nonsense. My process is different from a collection agency or even a contingency-fee collection attorney. I use ALL legal remedies the law and the court allows. My process is very effective and definitely straight-forward:

 1) –We DO NOT send flowery, kumbaya “let’s all get along” letters.
 2) –We DO NOT have a room full of phone collectors – that DOESN’T work.
 3) –We DO use fast and aggressive legal strategies to collect your money.

You hired me to get the money you are owed – FAST. I do not operate a sluggish, inefficient collection mill operation. I get results!

We are attorneys! Serious, all business attorneys. We cut to the chase.

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We offer your debtor TWO opportunities to pay you.

Our process is the following:

 1)- We SEND a 10-day Demand Letter. If ignored,
 2)- We FILE a Lawsuit with the court,
 3)- We HAND DELIVER a copy of that lawsuit (a legal summons) to your debtor’s home or office
   (you can specify which location to be most effective).

That lawsuit, once delivered, STARTS a 30-day legal court clock for your debtor to file an legal answer with the court, or face an automatic default judgment. Their only other choice, and one most will select, is to call our law office and (1) offer to pay you in full ASAP before the 30-day deadline, or (2) negotiate a payment arrangement that you are agreeable to using OUR carefully-drafted, legally-binding agreement. If they do either (1) or (2) before the 30 days is up, we can, with your approval, suspend the lawsuit.

We are neither stupid nor gullible – We would not suspend a lawsuit without some reassurances. We know that a payment here or there does not collect your money in full so if a repayment plan is acceptable to you, we will protect your rights and your interests by using a powerful re-payment agreement that has no loopholes and some teeth. Avoiding courtroom litigation is good for both parties and saves you money. If your debtor comes up wanting again, it will be as if you prevailed in court without the time and cost of a trial. Win – Win.

Call me… Let’s get started

Let’s review by phone –right now– the debt that you are fretting over. Call a seasoned debt collection lawyer, Valerie L. Kramer at (619) 259-5030 for a FREE phone consultation. Let’s discuss the debt you need collected and determine if I am a good fit to help you collect your money. I will not tell you what I think you want to hear. I’ll share my honest assessment and recommendation.

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If Business Debt Collection is new for You, Please remember Business 101 – It’s just Part of Doing Business

I’ve been a debt collection lawyer for almost 30-years. My regular business clients send me their slow-pay/no-pay claims for collection as everyday, routine business transactions once any of their clients reaches a predetermined point. Legal debt collection is as common for me and my business clients as making a sale or filing taxes. If this is new to you, keep in mind that every entrepreneur, professional or business owner will eventually have a client, customer, partner or individual –for whatever reason— is not paying you what you are owed. It may be time where you learn, like a business 101 class, that collecting what is justly owed you is just another business matter that, like all other business matters, must now be dealt with. Firmly. Today.

As Your Business Matures, Debt Collection Becomes Just Another Common Transaction

In order for any business endeavor to be successful, debt collection must be addressed with no more waste of time than paying the power bill. If not, your slow-pay, no-pay accounts will get so old as to be uncollectable. Debt collection by an experienced attorney is far more effective than hiring a collection agency. You will have to pay some modest fees, but we can tell you from our clients’ experience, that our fees are but a fraction of the cash our clients have recovered vs. the cost to collect. Our clients success is often because they run their business as do the best-run operations do, with a firm hand on the wheel. When your debtor originally asked for your product or service, or made a deal with you, YOU EXPECTED FULLY that you would be paid. Nothing has changed, except that they did not honor the deal. The honoring of “the deal” is the basis, the bedrock, on which our society functions. Call us. We are professionals. We will treat your debtor with professionalism and respect, but rest assured, our sole-focus is getting you your money (or whatever optional property/arrangement/concession that you instruct us to negotiate in fair trade as full payment) for the debt owed.

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Let’s Custom-Write Your CORE Business Documents — Protect Yourself…

Avoid Expensive Future Collections! Most of our new clients that are first timers in needing a debt collected, wished that their paperwork had a sentence or a paragraph on the signature line or on the back of a work order or sales invoice. If ONLY! If only, there was a sentence that your client was on the hook to pay your attorney fees. Or, though your client is out of California, like a caller today whose debtor is in Florida, that by buying your product or service, should they fail to pay that they legally agreed that you can file your lawsuit in the San Diego, Orange County or Los Angeles court and NOT in Miami Florida where you need to hire 2 lawyers to get your money collected.

We Will Add Some Powerful Legalese to Your Sales Contracts, Agreements, Invoices. Etc.

Ever Gone Snow Skiing? – Ever Been to Disneyland?

As experienced San Diego Business and Collection attorneys – we often become friends and a trusted resource to our clients who first come to us because they were vulnerable and others took unfair advantage. We all have heard that the ticket you buy to ski down Mammoth Mountain means that you’ve agreed to ski at your own risk and that trying to sue the ski operation is a non-starter – right? Right! A dear friend, a 40-year experienced Newport Beach Trust attorney lawyer and accomplished competitive college skier was crashed into at Mammoth Mountain 2-years ago by a 250 LB out-of-control beginning skier resulting is broken ribs, puncturing lungs and almost costing our friend his life. David was in intensive care for 3-weeks. Could he, an accomplished courtroom litigator sue? As it turned out, NO: a virtually Iron Clad ticket agreement! Learn from David’s real life lesson; get your core documents in order!

Similarly, unless a Disneyland employee is caught on video beating up your child – the same goes for theme parks – “You agree that you are there at your own risk, so get over it!” Copy successful businesses and greatly benefit by getting your documents custom-tailored. Often it just takes a few hours.

A few of hours of our time and we can make your Core Documents STRONGER!

As business lawyers, after collecting a debt or fighting an unnecessary lawsuit, we are often asked to review our clients day-to-day documents to make common lawsuits non-starters, and future collection efforts easier and lest costly-to-collect by drafting sales contracts and invoices that put our clients in a far better and stronger position. We add language to collect attorney (and collection fees) into your daily documents, and cover all those bases that off-the-shelf business forms from your local Staples or stationery store just don’t address for your unique business.

Personalized, Affordable Legal Services

Frustrated though you might be — confronted with uncollected debts, we promise not to treat you like a number as you would be by working with a huge, impersonal national company. As a local San Diego / Orange County / Los Angeles debt collection lawyer, Ms. Kramer is able to provide exceptionally personalized debt collection service for when you are worried and anxious about something as important as YOUR money –that for whatever reason — is not yet in your bank account where it is should be.

Representing clients from large financial entities to corner retail businesses – we take the time we need to fully-explore the details of each collection matter you want us to pursue.

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★— We represent individuals and business entities in legal collection matters involving: —★