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Guglielmo and Associates

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

 

Debt collectors like Guglielmo and Associates PLLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Guglielmo and Associates violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Guglielmo and Associates PLLC?

Guglielmo and Associates is a law firm specializing in consumer debt collection. Founded in 1981, the firm is headquartered in Tuscon, Arizona, and is licensed to operate in Arizona, Colorado, New Mexico, Nevada, and Utah.

Guglielmo and Associates’ Address, Phone Number, and Contact Information

Guglielmo and Associates is located at 3040 N Campbell Ave Suite 100, Tucson, AZ 85719. The toll-free telephone number is 877-325-5700 and the main website is www.guglielmoandassociates.com/

Phone Numbers Used by Guglielmo and Associates

Like many debt collection agencies, Guglielmo and Associates may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Guglielmo and Associates may be calling you from:

  • 833-874-8511
  • 877-325-5700

Guglielmo and Associates Lawsuits

If you want to know just how unhappy consumers are with Guglielmo and Associates, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display 3 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Guglielmo and Associates Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Guglielmo and Associates is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Guglielmo and Associates violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Guglielmo and Associates took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Guglielmo and Associates, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Guglielmo and Associates continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Guglielmo and Associates is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. 

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Guglielmo and Associates’ debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Guglielmo and Associates violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Guglielmo and Associates is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt. 

THE GOOD NEWS IS…

If Guglielmo and Associates is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Guglielmo and Associates

Based on 12 reviews on Google, Guglielmo and Associates receives a 2-out-of-5 rating. Here are some of the reviews on Google:

  1. “This is seriously the worst debt collection company! Don’t get me wrong are any really good?! But they have continued garnishment from my check nearly $1000 over what they were supposed to because they keep losing or in their words “not receiving” a single payment……the SAME single payment that had been cancelled and reissued over the course of at least 6 months so now I sit and wait for my money to be refunded so I can actually catch up on other bills.”

  2. “Greedy, underhanded low-lives that steal money from people who are on fixed income – people who can’t afford having their bank accounts taken hostage.”

  3. “Very unprofessional and very rude. Definitely will not recommend. Came in one day and overheard one of the workers mistreating a delivery boy. Someone who does not have respect for people will not have my business.”

What Our Clients Say About Us

Mike Agruss Law has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Guglielmo and Associates Sue Me?

Although anyone can sue anyone for any reason, we have not seen Guglielmo and Associates sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Guglielmo and Associates has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can Guglielmo and Associates Garnish my Wages?

No, unless they have a judgment. If Guglielmo and Associates has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Guglielmo and Associates has threatened to garnish your wages, contact our office right away.

Guglielmo and Associates Settlement

If you want to settle a debt with Guglielmo and Associates, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Guglielmo and Associates remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Guglielmo and Associates for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Guglielmo and Associates, we at Mike Agruss Law are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said to stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

  2. What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

  3. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  4. What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No.  Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

  6. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

  7. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  8. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/

Share your Complaints against Guglielmo and Associates Below

We encourage you to post your complaints about Guglielmo and Associates. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Guglielmo and Associates over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

 

Submitted Comments

MYRON
4 years ago
Guglielmo got a judgement on me thru discover Credit card from some bogus arbitration company about 15 yrs ago. I've been paying a little on that every month since-they renwed the judgement a couple years ago. Is there anything that can be done with that?
Consuelo
4 years ago
Im not sure if I have a judgement with gugliemo and associates is there anyway you could check
Jeannine
4 years ago
They won’t leave me alone about a debt that is over 10 yrs ago they sent some one out in Feb I called them and told them I’m living on SS and not to contact me again so they left me alone in till today now I got another letter of a fourteen day notice of intent to file Default case number Dept 6
Alicia
3 years ago
I’m being sued by Guglielmo & Associates for a debt that I do owe; however, i want to make sure they are legit. Also, what is the statute of limitations on a debt? Any guidance is greatly appreciated.
Kathryn
2 years ago
Would like to settle on 3 judgments/liens that Gugliemo was attorney for. I stopped paying credit card bills because I couldn't work due to disabilities. I also didn't know about credit card lawsuits due to disabilities. Please contact me right away.
Michael Agruss
2 years ago
Hi Kathryn. I will be in touch to discuss the liens you have against you from Guglielmo and Associates and the credit laws in regard to disability. You can also contact me at 888 572 0176. Thanks, Mike
Michael Agruss
2 years ago
Hi Alicia. How old is the debt that you have with Guglielmo and Associates? The statute of limitations depends on where you live and the statutes in that state. Do you have the paperwork that you were served? If you do, you can send it over to my office at [email protected]. I can review it and call you to discuss this in more detail. Thanks, Mike
Michael Agruss
2 years ago
Hi Jeannine. Can you send over the notice of intent to my office at [email protected]? I will look it over and contact you to discuss your next steps. Thanks, Mike
Michael Agruss
2 years ago
Hi Consuelo. Were you ever served papers about a lawsuit from Guglielmo and Associates? Have you checked with your local courthouse? Give me a call to discuss this and maybe we can help you to get this resolved quickly and fairly. 888 572 0176 Thanks, Mike
Michael Agruss
2 years ago
Hi Myron. I am going to give you a call to discuss the case against you and the payment you've made to Guglielmo and Associates. Once I get some further information, I may be able to help you decide what options you have. Thanks, Mike
James
2 years ago
This company waited 3+ years after a judgement and just happens to coincide finalizing a home purchase after charging in inflated interest rate. Well above pre and post judgement amounts. (Original debt is $7200 and current amount owed is $20,877) This company will not furnish information regarding who the attorney is that has the ability to negotiate the debt beyond 10% they allow all staff to negotiate. This seems predatory and unconscionable that they would try to charge insane amounts 9 years after a car was voluntarily surrendered at a time (home purchase) that seems inentional.
Michael Agruss
2 years ago
Hi James. It is surprising when these debts show up when you thought they were dealt with. It is possible that you're dealing with a predatory loan and that your rights have been violated. I would like to speak with you in more detail to determine what your options are and how you may be able to get this taken care of quickly and fairly. I will give you a call, but you can also reach me at 888 572 0176. Thanks, Mike
jennifer
2 years ago
I was paying monthly on a $12k debt they purchased from American Express. I paid for 16 months from 11/2018 - 2/2020, totaling about $4880. At that point I think I was late on one payment and had difficulties getting through to their company. By the time I reached them to pay, they said my payment program was no longer in effect. Now ARSI claims to have purchased that debt but it is still listed at the original $12k. I would like to know if my payments to Guglielmo reset the statute of limitations on this debt, and exactly what happened to my $4880, if there was some shady clause in my contract with them that states if I default, they get to keep the funds or what. Amex claims no knowledge of Guglielmo ever having the debt, they only show ARSI, who i have not interacted with yet. I look forward to your call.
Jerome
1 year ago
This amount owning was not connect to me. In my family I have there Jerome or Jerry Wringers. I did open this account years ago I\'m sure some one found my SS security number. I am 74 years old and retired and I really don\'t watch my accounts of the amount owed. As I daid I opened this account years ago and paid it off years ago. Its possible someone in my family used this account without my knowledge. I dont believe I have ever signed a document with charges to JPMorgan with with account listed 7645. I do apologize for not returning this information do to my disability.
Alisha
1 year ago
I am being sued by Guglielmo and Associates. The attorney is Roberta Johnson for LVNV funding which brought the account from another agency for Credit One. I responded to the complaint at the courthouse and sent them a certified letter and now they are trying to file default because they never signed off on the certified return receipt card. What should I do. Please advise
Maricruz
1 year ago
Hello, I am being sued by Guglielmo and Associates. they have filed a case against me I still have about 10 days to answer the court or come up with an agreement documents that benefits both parties for a debt I owe and they want me to pay on the agreement negotiation they sent starting tomorrow 2/22/2023 without even having an agreement signed or agreed it their some way for help?
Fredrick
1 year ago
Hello, I was recently sued by LVNV Funding. I was given a default in court. I did not receive a phone call to appear or a letter in the mail for the court date. I contacted LVNV and was given Resurgant as the debt holder. I contacted Resurgant and was told to call Guglielmo & Associates.
Chris
2 months ago
This law firm represents Discover Card whom I had an outstanding debt with in 2022. Due to financial circumstances, I was unable to pay this obligation. In August 2023 I contacted this law firm and made a reduced payment arrangement for $15,000 and they set the time as 15 calendar days. On the fourteenth day, they took my debt to court and were awarded the full $20,xxx debt plus a lien against my house in West Jordan Utah. Subsequently I cannot get a HELOC on my home until I repair the two credit cards issues (this one and another) that were sold to debt collectors. And now I have a lien against my primary home. What are my options other than paying them? Text me as I do not answer unknown numbers. Thanks, Chris

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