James S. Nowak,
Attorney at Law
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Retail Collection

Collecting Consumer and Retail Debts in Ohio and Michigan

These days, it can seem as though everyone is on the consumer's side. They lost their job. A medical problem kept them from work. They had to choose between buying groceries or paying their bills. Whatever the case, creditors are often left struggling because their debtors refuse to pay. We have more than 30 years of experience collecting on consumer debt in Ohio and Michigan. We understand the difficult situation you are in and we will not stop until we have collected on the debt you are owed.
Aggressive Consumer Collections

Many commercial and retail entities find themselves chasing down debtors who are in default. Credit collections agencies can make harassing phone calls and empty threats, but our consumer debt collection we have the legal ability to collect the money you are owed. If you are not being paid for goods or services delivered, we will diligently pursue the debt.  We take real legal action. We will work to obtain a judgment in Ohio and Michigan, examine the debtor, register foreign judgments, attach assets, garnish wages and take every step possible to obtain the debt you are owed.

Fair Debt

We work regularly with the FDCPA (Fair Debt Collection Practices Act).  We believe that debt can be collected and a debtor treated with dignity.  We work to arrive at a payment method that is agreeable to the creditor and achievable by the debtor.

To Debtors
This communication, from a debt collector, is an attempt to collect a debt, and any information obtained will be used for this purpose.  

James S. Nowak, Attorney at Law
4808 N Summit St.
Toledo, Ohio 43611
(419) 726-2605
FAX  (419) 726-1549

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