About StopCollectors
Every year, over 4.7 million debt collection lawsuits are filed in the United States. Roughly 70-80% result in default judgments — not because consumers owe the full amount, but because they never respond and never negotiate. StopCollectors exists to change that.
Our Mission
We believe every consumer sued by a debt collector deserves a real advocate. Most people facing a debt lawsuit feel overwhelmed, confused, and powerless. They don't know they have options — that the collector has to prove they own the debt, that the statute of limitations may have already run, that FDCPA violations open the door to counterclaims.
That is where we come in. Our affiliated attorney communicates directly with the collector on your behalf, raises every defense the facts support, and works toward the strongest possible resolution. You don't go to court. You don't file paperwork. We handle it.
Our Attorney
Our debt-collection defense and legal representation is led by Ariella, a licensed attorney with experience in consumer debt law and FDCPA litigation. Ariella understands the documentation gaps in most debt-buyer cases, the leverage points in each state's procedure rules, and the specific tactics that move negotiations.
How Ariella Approaches Each Case
Ariella communicates directly with collectors and their attorneys — you do not have to deal with them. Her approach is resolution through negotiation when possible, litigation when necessary (for example, if a default judgment is imminent and needs to be vacated).
Her process includes:
- Immediate assessment of leverage — checking the statute of limitations, screening for FDCPA violations, and determining if debt validation applies (the 30-day window after first collector contact)
- Direct communication with collectors and their attorneys — presenting your financial circumstances and the legal defenses available in your state
- Chain-of-title challenges — debt buyers must prove they actually own your specific account; many cases collapse when they cannot produce the purchase agreement, bill of sale, and assignment documentation
- State-specific defenses — Rosenthal Act (CA), Consumer Credit Fairness Act (NY), wage-garnishment bans (TX, PA, NC, SC), and every other state-level protection the facts support
- Written settlement agreements before any payment — including dismissal with prejudice if a lawsuit was filed
When collectors violate the Fair Debt Collection Practices Act, Ariella pursues counterclaims on behalf of our clients — at no cost to them. The collector pays the attorney fees under federal law.
How We Work: Two Entities, One Mission
StopCollectors — Intake & Client Services
StopCollectors handles intake, marketing, and client services. We are the first point of contact when you reach out for help. We review your case, gather the necessary information, and connect you with our attorney.
Affiliated Attorney — Negotiation & Legal Representation
All debt negotiation and legal representation is performed by our affiliated licensed attorney. Whether we're negotiating a settlement or pursuing FDCPA counterclaims, you have a real attorney in your corner.
This model keeps costs low while ensuring you receive genuine legal representation — not just document templates.
Our Values
- Advocacy: We negotiate on your behalf. You are not alone in this.
- Transparency: Clear pricing, honest assessments, no hidden fees, no inflated promises.
- Substance over puffery: Our pages cite real CFPB complaint data, real statute numbers, and real CFPB enforcement actions — not invented case counts or recovery stats.
- Accessibility: Free consultation. No upfront cost for FDCPA claims. Everyone deserves help.
Contact
Phone: (424) 351-1371
Email: leo@stopcollectors.com
Harassed or sued by a debt collector? Let's review your case.
Free case review — no obligation. Our attorneys check the statute of limitations, screen for FDCPA violations, and negotiate directly with the collector.