Experienced Defense for the Debt Buying and Debt Settlement Industries

Debt collection and debt settlement are under a microscope. Between evolving federal regulations, aggressive class actions, and increased regulatory scrutiny, the margin for error is small—and often unforgiving. Even minor missteps can carry significant liability.

Pilgrim Christakis is built to defend debt buyers and debt settlement companies in this environment, combining deep industry knowledge with the agility and focus of a specialized firm.

A Practical Approach Rooted in Experience

We approach each matter on its own terms—never through generic frameworks or standardized checklists. Every case is evaluated on its facts, informed by your business objectives and compliance priorities.

Because we also advise clients on regulatory issues and enforcement, we understand how litigation risk intersects with day-to-day operations. That perspective allows us to identify vulnerabilities and help clients strengthen compliance while defending the case at hand.

Class actions are common in this space, and our attorneys remain focused on preventing class certification whenever possible—protecting both your balance sheet and your reputation.

Who We Represent

We defend the full spectrum of industry participants, including:

• Debt buyers
• First-party and “extended business office” collectors
• Collection law firms
• Debt settlement providers
• Credit services organizations and related vendors

Whether you are a national platform, a regional operator, or an emerging provider, we understand your business model, your regulatory risks, and your litigation exposure.