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      1000 Mid Rivers Mall Drive  •  St. Peters, Missouri 63376
       Phone:  (636) 352-1111

Missouri Collection Attorney

The Missouri collection attorney Russell M. Zelei provides efficient and cost-effective client service in consumer and commercial collection cases. For a free initial consultation about our ability to serve the collection of your accounts, contact one of our attorneys in St. Louis.

We handle all kinds of consumer collections in St. Louis and the Greater St. Louis area, including St. Charles County, Lincoln County, Warren County, and St. Louis County. This Firm handles credit card debt, auto loans, department store or other retail credit, home improvements, sub prime finance loans, Title Loans, PayDay Loans, small retail finance loans, and purchase money security interests on substantial household purchases.



Summary of Collections

This firm strives to pursue claims in an aggressive yet respectful and professional manner. For each claim or account, this Firm will provide the following services:

        (1)  Review the claim or account to see if it is viable;
        (2)  Review the claim to determine if a lawsuit should be filed;
        (3)  Send a Collection Letter and/or make Collection calls;
        (4)  File a Petition in the respective jurisdiction;
        (5)  Appear in Court and proceed to obtain a settlement or Judgment;
        (6)  Collect per the settlement or execute on the Judgment.

To protect this firm and its clients, this firm complies with the Fair Debt Collection Practices Act ("FDCPA") in its collection efforts. In doing so, this firm may contact the client in order to obtain any further information in the collection of its claims or accounts.

Should You Sue Your Debtor:


How much will my lawsuit cost?

Court costs are your biggest concern. The court costs to file suit, serve the debtor with summons and issue post judgment proceedings to collect the debt will cost $200 to $500.

Court costs include fees that you will be required to pay the court to file your lawsuit, have summons served on your debtor and for garnishing your debtor's wages, bank account or other assets. You may also have to pay detective fees and asset searches and in some instances, appearance attorney fees in outlying counties to appear and take judgments. We do not outsource cases.

Do you have good documents?

Do you have sufficient documents to prove your case? Necessary documents include contracts, agreement confirmation letters, invoices, statements, delivery receipts, etc. If you don't have complete documentation, you may not be able to win trial if the debtor disputes your claim.

Do you have a witness?

If your case goes to trial, a person who has knowledge of the events must be available to present your case. If the person who handled the transactions is no longer working for you or cannot come to court to testify, you can substitute a person who is familiar with the debtor's file. This could be the collection or credit manager.

Does your debtor have assets?

If you don't know where your debtor works, banks or owns property, try to locate assets before you invest money in court costs. Hiring a detective to locate assets can save you money. If you can't locate assets, you can collect by bringing the debtor to court to testify about his assets.

Decide to file a law suit is based on a hard examination of your chances to win. If you assess your documents, witnesses and costs before you file suit you will strengthen your chance of winning in court and collecting your debt. My initial consultation is free. I will be happy to review your documents and help you assess your cas

Why Choose a Law Firm for Your Collections Work?

Attorneys are able to take real legal action. Collections agencies can only threaten the actions we are able to take. In addition to sending letters to debtors or making phone calls, we use all the tools at our disposal to collect debts in a simple, matter-of-fact manner through the use of lawsuits and post-judgment collection methods.

We will continue to collect until we have completed your case. This means that we will actively pursue payment until:

  • We reach a settlement with the debtor, or
  • You receive full payment of the debt, or
  • By law, we are no longer allowed to collect, or 
  • You direct us to stop our efforts.

This communication, from a debt collector, is an attempt to collect a debt, and any information obtained will be used for this purpose.



LEGAL DISCLAIMER: This Web Page provides general information only and is not intended to be relied upon as legal advice.  Laws change over time and differ from State to State. Applicability of the legal principles discussed may differ substantially depending on individual situations. Persons accessing this site are encouraged to seek legal advice from an attorney regarding their individual legal issue. An attorney-client relationship is created only upon acceptance of your case after consultation with an attorney, either in person or via the telephone.

The choice of a lawyer is an important decision and should not be based solely upon advertisements. The information on this
St. Louis Attorneys & Lawyers / Law Firm website is for general information purposes only. Nothing on this or associated pages, documents, comments, answers, emails, or other communications should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.

The Law Office of Russell M. Zelei represents clients in Family Law, Non-Compete Agreement Law, Collections Law, Consumer Law, Business Law, Contract Law, Debtor Collections, Credit Card Collections, Breach of Contract Law, and FDCPA Law matters throughout the State of Missouri, including St. Louis, St. Louis County, St. Charles County, Boone County, Earth City, Jefferson County, Lincoln County, Phelps County, Franklin County, Ste. Genevieve, St. Clair and the Cities of St. Louis, Kansas City, St. Charles, O’Fallon, Lake St. Louis, St. Peters, Wentzville, Troy, Clayton, Rolla, Columbia, Jefferson City, Farmington, Cuba, Augusta, Union, Maryland Heights, Cape Girardeau, and Springfield.