Is Solomon & Solomon legit -- and what do you do if they contact or sue you?

Yes -- Solomon & Solomon P.C. is a legitimate collection law firm, not a scam. It's a New York-based creditors'-rights firm that collects consumer debts -- credit cards, bank and credit-union loans, and accounts placed by original creditors and by the debt buyers that purchase charged-off balances. What makes a law firm different from an ordinary collection agency is how it collects: by suing. So the single most important rule is never ignore a summons or court paper -- file a written answer by the deadline, because a missed deadline lets the firm take a default judgment, and a judgment can lead to wage garnishment or a bank levy. At the same time, a firm that regularly collects debts is a "debt collector" under the FDCPA -- attorneys are NOT exempt -- so you keep the same rights: demand written validation, and when the plaintiff is a debt buyer rather than the original creditor, make it prove it actually owns your specific account and produce the chain of title (bought-and-resold accounts often have thin paperwork). Check the statute of limitations, because a time-barred debt is a defense and a payment or written promise can restart the clock. Don't admit the debt or agree to anything on a phone call. If the balance is genuinely yours and enforceable, these unsecured accounts can often be settled -- ideally in writing and before a judgment -- and a forgiven balance over $600 can trigger a 1099-C.

A letter -- or worse, a lawsuit -- from a law firm you've never heard of is alarming. Here's the calm version: Solomon & Solomon is a real collection law firm, not a scam. What actually protects you is knowing that a law firm collects by suing, so the response is to answer, not to panic or ignore it.

Short answer

Yes, Solomon & Solomon is legit -- a collection law firm that sues consumers for creditors and debt buyers. Never ignore a summons: file a written answer by the deadline, demand written validation, make a debt buyer prove it owns your account, and check the statute of limitations before you pay or promise anything.

Who Solomon & Solomon is

Solomon & Solomon P.C. is a law firm that collects debts -- it works accounts for original creditors (banks and credit unions) and for the debt buyers that purchase charged-off portfolios. Because it regularly collects debts, it's a debt collector under the FDCPA, and being a law firm does not exempt it. Written validation forces it to name the current creditor and the balance.

If you've been sued

Never ignore a summons. File a written answer by the deadline -- silence lets the firm take a default judgment.
Make a debt buyer prove ownership. Demand the chain of title back to the original creditor -- resold accounts often lack it.
Check the statute of limitations. A time-barred debt is a defense; a payment or written promise can restart it.

Is it a scam?

No. Solomon & Solomon is a legitimate firm, not a fake front. But two risks are real. First, impostors: scammers pose as "law firms," threaten arrest or immediate garnishment, and demand payment "today" by gift card, wire, or app -- a real firm sues through a court and validates in writing, and no legitimate debt leads to arrest. Second, a weak underlying case: when the plaintiff is a debt buyer, it still has to prove it owns your specific account -- which is your leverage.

How to deal with Solomon & Solomon

Don't admit the debt or promise payment on a call before you've validated it and reviewed the paperwork.
Keep records of every letter, call, and court document, and calendar the answer deadline.
Confirm who really owns the account -- the original creditor, or a debt buyer that must prove it.

If the debt is really yours

If the balance is validated, correct, and within the statute of limitations, these unsecured accounts can usually be settled for less than the full amount -- often more cheaply before a judgment than after. Negotiate in writing and get the terms on paper: the amount, that it resolves the account in full, and how it will be reported. Keep the agreement and proof of every payment. If more than $600 is forgiven, you may receive a 1099-C and the forgiven amount could be treated as taxable income; consider asking a tax professional.

This page is general information, not legal or financial advice. Your rights and timelines vary by state; consider consulting a qualified attorney, legal aid, or your state attorney general's office.