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Answer

Is Glasser and Glasser legit -- and how do you deal with them?

Yes -- Glasser and Glasser is a legitimate law firm that collects debts, not a scam. Because a law firm collects by filing lawsuits, the risk with a firm like this is a court summons, so the single most important rule is: never ignore one. If you're served, file a written answer by the court's deadline -- if you don't, the creditor can win a default judgment that leads to wage garnishment or a bank levy. A law firm that regularly collects debts is still a "debt collector" under the federal Fair Debt Collection Practices Act (FDCPA) -- attorneys are not exempt -- so you keep your rights: demand written debt validation, dispute anything that isn't yours, and don't admit the debt or agree to pay on a phone call before it's validated. Glasser and Glasser commonly handles credit-card accounts and auto-loan deficiency balances. That auto-deficiency point matters: after a car is repossessed and sold, the amount you supposedly still owe is the "deficiency," and because the car is gone, that leftover balance is an UNSECURED debt -- it's negotiable like other unsecured debt, and it should not be treated as if the loan were still secured by the vehicle. You can also require the lender to show the repossession and sale were handled properly (a defective or commercially unreasonable sale can reduce or wipe out the deficiency). If the plaintiff is a debt buyer rather than the original creditor, make it prove it owns your specific account, with the chain of title. Check the statute of limitations, because a payment or written promise can restart the clock. If the balance is genuinely yours, validated, and within the statute of limitations, an unsecured account -- including an auto-deficiency balance -- can often be settled in writing; get any agreement in writing before you pay, and know a forgiven balance over $600 can trigger a 1099-C.

RC
By Renee Calderon — Consumer debt & rights writer

A letter from a law firm like "Glasser and Glasser" is scarier than a collection agency's -- because a law firm can sue. Here's the calm version: it's a real, licensed law firm collecting a debt, you still have your rights, and the first job is to make sure you never miss a court deadline.

Short answer

Yes, Glasser and Glasser is legit -- a real law firm that collects debts (often credit-card and auto-deficiency balances). A letter isn't a lawsuit, but never ignore an actual summons -- file a written answer by the deadline. An attorney collecting debts is still a debt collector, so you keep your FDCPA rights.

If you're actually sued

Auto-deficiency? The leftover is unsecured

Is it a scam?

No -- Glasser and Glasser is a real law firm, not a fake front. But impostors do imitate real firm names, so verify in writing, never pay from a phone call or a link, and confirm the account before you engage.

If the debt is genuinely yours

Once it's validated and within the statute of limitations, a genuinely-owed unsecured balance -- including an auto-deficiency -- can often be settled in writing. Get any agreement in writing before you pay. If a forgiven balance exceeds $600, you may receive a 1099-C; consider asking a tax professional.

This page is general information, not legal or tax advice. Your rights and timelines vary by state; consider consulting a qualified attorney, a nonprofit credit counselor, or legal aid.

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