Guglielmo & Associates is a creditors' rights law firm founded in 1981, headquartered in Tucson, Arizona, that focuses on debt collection and collection litigation. It represents financial institutions, debt buyers and other creditors in Arizona, Colorado, Nevada, New Mexico and Utah.
- Type
- Collection law firm
- Also known as
- Guglielmo and Associates
- Headquarters
- Tucson, AZ
- Collects
- accounts for financial institutions, accounts owned by debt buyers, other creditors' consumer accounts
- Phone numbers it lists
- (877) 325-5700
- Website
- guglielmoandassociates.com
42 debt collection complaints were sent to the Consumer Financial Protection Bureau about Guglielmo and Associates from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Guglielmo & Associates?
Guglielmo & Associates calls itself a creditors' rights law firm and says it has been "focused exclusively on creditors' rights and debt collection litigation" since 1981. Its website lists an office at 3040 North Campbell Avenue, Suite 100, Tucson, Arizona 85719, and a toll-free number, (877) 325-5700, with Spanish-speaking staff available. It names Arizona, Colorado, Nevada, New Mexico and Utah as the states it serves.
The Better Business Bureau also lists an Albuquerque, New Mexico location at 500 Oak Street NE, with (505) 883-2944, and names Paul Guglielmo as owner. Consumer payments are taken through an online portal at portal.payglaw.com. The firm's website states that its communications are from a debt collector.
We did not find a CFPB enforcement action against Guglielmo & Associates.
Why Guglielmo & Associates May Be Contacting You
The firm says its clients are financial institutions, debt buyers and other creditors. The firm doesn't list specific debt types, so a letter could concern an account still owned by the original lender or one a debt buyer purchased after charge-off. Ask which applies to yours.
Since collection litigation is its focus, a first letter from the firm may be followed by a lawsuit in one of the five states it serves. If you are served with a complaint, the deadline to answer runs from the date of service, not from when you contacted the firm.
How to Check a Debt Guglielmo & Associates Says You Owe
- Find out who the client is. The validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) must name the current creditor. If that's a debt buyer, ask for the original creditor and account number.
- Ask for proof of ownership. For a purchased account, request the bill of sale or assignment showing your specific account was transferred.
- Check the itemization. Compare the balance on the itemization date with your last statement, and question any interest or fees added afterward.
- Dispute in writing in time. A timely written dispute pauses collection until the firm sends verification. It doesn't pause a court deadline.
- Know the limitation period. Texas sets four years for most consumer debt suits (Tex. Civ. Prac. & Rem. Code § 16.004) and bars debt buyers from suing on time-barred consumer debts (Tex. Fin. Code § 392.307). The states this firm serves have their own periods.
What Guglielmo & Associates Can and Can't Do
A law firm that regularly collects consumer debts, including through lawsuits, is a "debt collector" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)).
- It must file a consumer debt suit in the judicial district where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not sue or threaten to sue on a time-barred debt (12 C.F.R. § 1006.26(b)).
- It may not ask the court for interest or fees the agreement or law doesn't allow (15 U.S.C. § 1692f(1)).
- Once it knows you have a lawyer for the debt, it must deal with the lawyer (15 U.S.C. § 1692c(a)(2)).
See our debt lawsuit questions and FDCPA attorneys pages.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Guglielmo & Associates or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Guglielmo & Associates: home page
- Guglielmo & Associates: About
- BBB business profile: Guglielmo and Associates
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Guglielmo and Associates, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Guglielmo & Associates has violated any law. Company details change; tell us if something here is out of date.