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How to Settle with Hunt and Henriques

Written by Patrick Austin J.D. · Edited by Hannah Locklear
Last updated on May 21, 2026

Summary: To settle a debt with Hunt & Henriques, verify the debt and ensure it's accurate before negotiating, offer a lump sum or payment plan, typically 30-50% of the total amount, and secure a written agreement to finalize the settlement and ensure no further action.

If you received a letter, or a phone call, from someone stating they are with Hunt and Henriques, do not dismiss this outreach. It likely means Hunt and Henriques has been retained by a creditor or debt purchaser in an effort to collect on an unpaid debt, such as credit card debt from large credit card issuers, commercial loans, or business card accounts. If you ignore their outreach, the communications are likely to continue and may escalate to a debt collection lawsuit.

Sued by Hunt & Henriques? Respond and settle the debt outside of court.


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What is Hunt and Henriques?

Hunt & Henriques is a debt collection law firm. The firm does not typically purchase debts. Rather, the firm represents other debt purchasers and creditors who have purchased unpaid and delinquent accounts, including credit card debt accounts from large credit card issuers, auto deficiency accounts, business card accounts, and so forth.

For example, Hunt & Henriques is known to represent companies like:

  • Portfolio Recovery Associates
  • LVNV Funding
  • Citibank
  • Wells Fargo

These creditors and collection agencies hire Hunt & Henriques to represent them when they’re ready to take legal action on the debts. They give the law firm guidelines for minimum amounts they will accept to settle the debt. Hunt & Henriques coordinates all the legal efforts and will contact you directly to discuss options for settlement. You can also be proactive and reach out first to discuss your payment options. This is a good way to avoid going to court.

Hunt and Henriques LLP typically carries out fairly standard debt collection activities related to delinquent consumer obligations. They will send out letters and make repeated telephone calls. They also file debt collection lawsuits.

Contact Hunt and Henriques

If you’re ready to reach out to settle your debt, you can contact Hunt & Henriques at the following:

Settle with Hunt and Henriques

In an effort to avoid going through time-intensive litigation proceedings, and possibly getting hit with an adverse judgment, it may make sense to try and negotiate a settlement with Hunt and Henriques pertaining to your delinquent consumer obligations. Here are three steps you can take to settle debt with Hunt and Henriques.

Step 1: Review and validate the debt with Hunt & Henriques

Before engaging in settlement talks, request debt validation from Hunt & Henriques. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask for verification of the debt. Ensure that they provide documentation proving that the debt is yours and that they are legally authorized to collect it. This will also buy you time to assess your situation.

Step 2: Negotiate a settlement with the Hunt & Henriques attorney assigned to your case

Once you’ve validated the debt, begin negotiating a settlement. Start by offering a lower percentage of the total debt, typically 30% to 50% of the original amount, and be prepared to negotiate upward. Offer a lump sum payment if possible, as creditors are more likely to accept a lower amount if they receive immediate payment. Be firm but polite in your negotiation, and make sure you’re negotiating based on your financial situation.

Step 3: Get everything in writing

Before making any payments, ensure that Hunt & Henriques provides you with a written agreement outlining the settlement terms. This is known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full and that they will not pursue any further legal action or collections. Additionally, confirm that they will report the debt as "settled" or "paid" to credit reporting agencies. Once you have this in writing, proceed with the payment as agreed.

By following these steps, you can settle your debt with Hunt & Henriques while protecting your financial interests.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the credit card debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

To learn more about these steps, watch our video guide below:

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The Fair Debt Collection Practices Act protects consumers like you

Despite being a law firm and not a debt collection agency, Hunt and Henriques LLP is still obligated to adhere to state and federal debt collection laws. One of the most important consumer protection laws in the area of debt collection is known as the Fair Debt Collection Practices Act (FDCPA).

This federal law makes it illegal for debt collectors - including debt collection law firms - to engage in unfair, deceptive, and abusive collection practices. The FDCPA also provides individuals with a number of rights. If those rights are violated by a debt collector, or a debt collection law firm, you have the option to pursue legal action.

Specifically, the FDCPA restricts debt collectors, including representatives from Hunt and Henriques, from engaging in the following conduct:

  • Failing to identify themselves as debt collectors
  • Yelling at you over the phone
  • Using obscene or profane language in communications with you
  • Using threatens or intimidation to try and compel you to pay
  • Calling you at an unreasonable hour of the day or night
  • Impersonating law enforcement officers or government agents
  • Refusing to provide certain information about the debt

You also have the right to verify basic information about the debt you allegedly owe through a debt validation letter. Check out SoloSuit’s guide on How to Make a Debt Validation Letter to learn more.

Hunt and Henriques Notice of Intent to File Suit

If you receive a letter from Hunt and Henriques LLP titled as a “Notice of Intent to File Suit” do not fret. As the title implies, Hunt and Henriques haven’t actually filed anything yet, let alone a lawsuit. Rather, this letter is simply stating that Hunt and Henriques possess the intent to file suit.

What to do if you are sued by Hunt and Henriques

You may receive a myriad of phone calls and letters from Hunt and Henriques about unpaid credit card debt from large credit card issuers. Don’t ignore them. If you do, the firm will eventually file a debt collection lawsuit against you.

If you are in fact sued by Hunt and Henriques, you will be served with a summons and complaint. These documents will identify you, state how much you allegedly owe, and instruct you to answer the complaint within your state’s deadline. Do not ignore this debt collection lawsuit. File a response. Do not bury your head in the sand and hope it magically goes away. It will not. Furthermore, failing to answer the complaint will likely enable Hunt and Henriques to request a default judgment, which makes it even easier for them to collect money from you through wage garnishment and seizing your assets.

For more tips on how to negotiate with debt lawyers, check out this conversation with a former debt collection lawyer, Yale Levy, who shares insider tips and tricks on how to settle debt with law firms like Hunt & Henriques:

Hunt and Henriques LLP can garnish your wages

In the event Hunt and Henriques secures a debt collection judgment against you for unpaid credit card debt or other types of debt - whether by default judgment (because you did not answer the complaint) or an adverse judgment entered during trial - the firm could move forward with filing a property lien, pursuing wage garnishment, or seizing money from your bank account.

The good news is that even if a judgment has been entered against you, the option to negotiate a debt settlement remains a possibility.

Key Takeaways

In sum, if you are contacted by a representative from Hunt and Henriques, it likely means you are being pursued for an unpaid debt. If this occurs, always remember that you have statutory rights under the FDCPA, including the right to ask Hunt and Henriques to validate the debt that is purportedly owed. Here are the key steps you can take to settle debt with Hunt & Henriques:

  1. Review and validate the debt.
  2. Call Hunt & Henriques and make an offer, then negotiate.
  3. Get the settlement agreement in writing.

If you are interested in figuring out a way to settle with Hunt and Henriques, consider drafting a settlement offer letter and/or using innovative tools like SoloSettle.


Read Hunt and Henriques reviews online

Hunt and Henrique reviews can tell you more about the law firm and how to interact with its attorneys. The law firm has been accredited by the Better Business Bureau since 2012 and has an A+ BBB rating. However, its BBB profile also shows that Hunt & Henriques earns 1 out of 5 stars from customer reviews. The Consumer Financial Protection Bureau reports hundreds of complaints against the firm.

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Frequently asked questions about settling debt with Hunt and Henriques

What is Hunt and Henriques?

Hunt & Henriques, LLP is a California-based debt collection law firm headquartered in San Jose, with an additional office in Concord. The firm represents original creditors and debt buyers in consumer collection lawsuits filed primarily in California state courts. Hunt & Henriques files a high volume of cases each year and is registered with the California Department of Financial Protection and Innovation as a debt collector.

Who does Hunt and Henriques represent?

Hunt and Henriques represents major credit card issuers and debt buyers, including Capital One, Citibank, Discover, Midland Funding, Portfolio Recovery Associates, and Cavalry SPV. The named plaintiff on the Complaint identifies the actual party suing you — Hunt and Henriques is the law firm serving as outside counsel. Capital One is one of the firm's most frequent clients in California cases.

Is Hunt and Henriques a legitimate law firm?

Yes, Hunt & Henriques, LLP is a legitimate, licensed California law firm and a registered debt collector under the California Fair Debt Buying Practices Act. The firm is subject to State Bar of California oversight and California consumer protection laws. Consumers have filed complaints with the Better Business Bureau and the Consumer Financial Protection Bureau regarding the firm's collection practices.

How do I contact Hunt and Henriques?

Hunt and Henriques can be reached by phone at 877-509-2497 during regular business hours. The firm's main office is located at 7017 Realm Drive, San Jose, CA 95119. Send all written disputes, debt validation requests, and settlement correspondence by certified mail with return receipt requested to maintain a record. If a lawsuit has been filed, contact the attorney of record listed on the Complaint.

What is a Notice of Intent to File Suit from Hunt and Henriques?

A Notice of Intent to File Suit is a pre-litigation letter Hunt and Henriques sends warning that a lawsuit will be filed if the debt is not paid or settled. The notice typically gives 30 days to respond. Receiving this letter is a strong signal that litigation is imminent. Responding with a debt validation request or a settlement offer before the deadline is often the best strategy.

How do I respond to a Hunt and Henriques lawsuit?

To respond to a Hunt and Henriques lawsuit in California, file a written Answer with the court within 30 days of being served, or 40 days if served by substituted service. Address each numbered paragraph in the Complaint with admit, deny, or deny for lack of knowledge. Raise affirmative defenses including expired statute of limitations and lack of standing, and serve a copy on Hunt and Henriques.

Will Hunt and Henriques settle a debt for less than I owe?

Yes, Hunt and Henriques routinely settles debts for less than the full balance, especially when the underlying client is a debt buyer who purchased the debt at a discount. The firm has authority from its clients to negotiate within set parameters. Settlement leverage increases significantly after you file a written Answer demanding documentation, since the cost of trial often favors a reduced settlement.

What percentage will Hunt and Henriques accept as a settlement?

Hunt and Henriques typically accepts settlement offers between 30% and 60% of the claimed balance, with the exact percentage depending on whether the original plaintiff is an original creditor or a debt buyer. Debt buyer cases typically settle in the 20% to 40% range. Lump-sum settlements generally receive better terms than payment plans, and documented financial hardship can further reduce the accepted percentage.

How do I make a payment to Hunt and Henriques?

Hunt and Henriques accepts payments through its online portal, by phone at 877-509-2497, or by mail to its San Jose office. Before making any payment, verify that the debt is within California's 4-year statute of limitations for credit card debt and confirm the firm can produce documentation proving the debt is yours. Always get any settlement agreement in writing before sending funds.

Can Hunt and Henriques garnish my wages in California?

Hunt and Henriques can garnish wages only after winning a judgment against you in court. Under California Civ. Proc. Code § 706.050, wage garnishment is limited to the lesser of 25% of disposable income or the amount exceeding 40 times the state minimum hourly wage. Filing a timely Answer to prevent default judgment is the most reliable way to avoid wage garnishment.

What is the statute of limitations on debts collected by Hunt and Henriques?

Under California Civ. Proc. Code § 337, the statute of limitations on credit card debt and most written contracts is 4 years from the date of last payment or account activity. Once the 4-year period expires, the debt is time-barred and the creditor cannot legally win a lawsuit. Expired statute of limitations is a complete affirmative defense in your written Answer.

Can a Hunt and Henriques lawsuit be dismissed?

Yes, lawsuits filed by Hunt and Henriques are regularly dismissed when the firm cannot produce required documentation, including the original signed credit agreement, account statements, and the complete chain of custody for debts purchased from another party. Filing a written Answer that demands proof of standing, denies each allegation, and asserts expired statute of limitations creates the strongest position for dismissal.

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