G. Reynolds Sims and Associates, P.C., is a professional corporation that engages in the practice of consumer asset recovery, better known as debt collection. Our firm specializes in the recovery of charged off credit card debt purchased by our client directly from the banks and financial institutions generating the credit cards. We utilize two primary methodologies of recovery: pre-litigation and litigation. G. Reynolds Sims & Associates, P.C., is licensed to practice law only in the State of Michigan, and litigation recovery is limited to the State of Michigan. Your credit terms and conditions may provide for arbitration, and if so, arbitration proceedings if selected may be commenced by this law firm in your State of residence.

Pre-litigation collections are recovery efforts made by our employees (Asset Recovery Specialists) under the direction of our licensed attorneys. We do this through telephone contact with consumers and through legally compliant letters that are sent directly to consumers. Our firm's philosophy is total and complete compliance with the standards of conduct established by Federal law in the Fair Debt Collection Practices Act (FDCPA).

Litigation practices begin after voluntary recovery cannot be achieved by our asset recovery specialists through professional and respectful telephone conversations. When this occurs, our attorney makes the determination if the account qualifies for litigation. With our clients' approval, we begin the litigation process on the delinquent account. If a judgment against the account is obtained, we utilize legally acceptable remedies to settle the outstanding debt. This may include liens on real property, wage garnishment or levying on bank accounts. Our preference is always to achieve a voluntary settlement of debt.

Our asset recovery specialists are sensitive to the challenges that consumers are facing, and do their best to work out appropriate arrangements to resolve overdue debt. Since our founding, we have successfully provided settlement services to thousands of consumers faced with debt accumulation who are seeking to resolve their personal credit responsibilities and potentially improve their credit ratings.

Our number one priority and policy is to practice the profession of law in full and uncompromising compliance with consumer protection laws, such as the Fair Debt Collections Practices Act and related State and Federal consumer collection laws. This strict policy requires us to continuously train and monitor our asset recovery specialists to be both knowledgeable and fully compliant with all applicable consumer protection laws. This understanding of the law assists our asset recovery specialists in being professional in our telephone and written communications with consumers as well as sensitive to their circumstances and credit concerns.