If your phone is ringing with calls from Glasser & Glasser, P.L.C., or if you just received a court summons, you are likely feeling incredibly stressed.

First, take a deep breath. You have legal rights, and more importantly, you have actionable choices.

Glasser & Glasser is a legitimate law firm operating heavily as a debt collector. Because they represent major banks, credit card issuers, and debt buyers, they routinely file lawsuits against consumers. However, a collection notice or a lawsuit is not a final judgment. Instead, look at it as an invitation to negotiate.

At The Law Office of Ben Akech LLC, we protect consumers from aggressive debt collectors. Consequently, we know exactly how to handle these firms. Here is the exact process you must follow to respond to a lawsuit, followed by your best settlement options.

The Lawsuit Response Process: Act Before the Deadline

When Glasser & Glasser files a lawsuit against you, they deliver a Summons and a Complaint. Ignoring these documents is the biggest mistake you can make. Consequently, you must understand the clock is ticking.

1.Track Your Deadline:Crucial first step.

From the day you are officially served with the lawsuit, you have a limited window to respond. In Maryland, for example, you typically have 30 days to file an answer in the Circuit Court or 15 days to file a Notice of Intention to Defend in the District Court. Therefore, you must note the exact date you received the papers.

2.File a Formal Answer:Protect your rights.

You must file a written “Answer” with the court. In this document, you respond to each allegation in the complaint. If you fail to file this answer, Glasser & Glasser will automatically win a default judgment against you.

3.Avoid Automatic Consequences:Prevent aggressive collection.

Filing your answer stops them from getting that default judgment. If they win by default, they legally gain the power to freeze your bank accounts, garnish your wages, and place liens on your property.

4.Leverage the Response for Negotiation:Gain the upper hand.

Filing a strong defense forces Glasser & Glasser to actually prove their case in court. Because litigation is expensive and time-consuming for them, your formal answer instantly gives you massive leverage to negotiate a favorable settlement.

Your Payment and Resolution Options

Once we secure your legal position by responding to the lawsuit, we can safely look at resolution strategies. You generally have three paths to settle the debt.

1. Offer a Lump-Sum Settlement (The Fastest Escape)

If you have access to a pool of cash, a lump-sum settlement offers the cleanest exit. Therefore, it is usually our top recommendation.

  • How it works: You offer a single, lower payment to wipe out the entire balance. Consequently, Glasser & Glasser marks the account as “settled in full” and dismisses the lawsuit.
  • The Reality: Debt collection firms prefer immediate cash because it eliminates their future risk. As a result, they are highly motivated to accept lower offers.
  • The Trap: Never pay a single dollar without a written agreement. If you pay based on a verbal phone promise, they can pocket the cash as a partial payment and continue their lawsuit for the rest later.

2. Arrange a Structured Payment Plan (Budget-Friendly)

If you cannot afford a lump sum, you can negotiate a monthly payment plan that fits your household budget.

  • How it works: You make predictable monthly payments until you satisfy an agreed-upon, negotiated total.
  • The Danger: Glasser & Glasser’s online portal lets you make voluntary payments easily. However, their official legal fine print explicitly states that making a partial payment does not stop their collection or legal efforts.
  • The Safe Way: We negotiate formal payment agreements that legally bind the firm to halt all lawsuit activities, wage garnishments, or bank levies while you pay.

3. Use a “Step-Up” Hybrid Plan (The Middle Ground)

If you want the deep discounts of a lump-sum settlement but need time to gather the money, a hybrid plan bridges the gap perfectly.

  • How it works: You make smaller monthly payments for a brief period—usually 3 to 6 months—while saving up. Then, you deliver a final lump-sum payment to resolve the remaining balance. This strategy immediately halts active court proceedings while buying you time to secure funds.

The Critical First Step: Force Debt Verification

Before you choose any payment route, you must confirm that Glasser & Glasser actually owns or represents your debt. Mistakes happen constantly in the debt-buying industry. For instance, balances frequently include unapproved interest fees, or firms target the wrong person entirely.

Fortunately, you have the legal right to demand verification of the debt. If they cannot produce the original account contracts and chain of title, they may not have a legal leg to stand on in court.

Why You Shouldn’t Handle Glasser & Glasser Alone

Navigating debt settlement alone feels like a game of poker where the other side knows all your cards. When you call a debt collection law firm yourself, you might accidentally say something that validates an inaccurate or expired debt.

At The Law Office of Ben Akech LLC, we step in as your financial defense team. Specifically, our team will:

  • File a timely, strategic Answer to the lawsuit to protect you from default.
  • Force Glasser & Glasser to prove the debt is legally valid and accurate.
  • Manage 100% of the communication so your phone finally stops ringing.
  • Leverage our trial experience to negotiate the lowest possible settlement percentages.
  • Secure a bulletproof, written contract that permanently protects your credit and your assets.

Take Control of Your Financial Case Today

Do not ignore the court papers or wait for your deadline to pass. The sooner you act, the more leverage you have to dictate the terms of your resolution.