Roosen, Varchetti & Olivier is a creditors' rights law firm that collects delinquent accounts and files collection suits in Michigan and Georgia. A letter from it means a creditor such as a bank or auto lender has placed an account with the firm.
- Type
- Collection law firm
- Also known as
- Roosen, Varchetti & Olivier, PLLC; Roosen, Varchetti & Olivier - GA PLLC
- Headquarters
- Clinton Township, MI
- Collects
- bank and credit accounts, auto loans, judgments
- Phone numbers it lists
- (844) 871-3126, (586) 868-2737, (844) 833-0033, (404) 458-0123
- Website
- rvolaw.com
65 debt collection complaints were sent to the Consumer Financial Protection Bureau about Roosen, Varchetti & Olivier, PLLC 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 Roosen, Varchetti & Olivier?
Roosen, Varchetti & Olivier, PLLC is a law firm whose home office is in Clinton Township, Michigan, a northern suburb of Detroit. Its Better Business Bureau business profile lists the office at 39541 Garfield Road, gives a start date of November 2006, and names Paul E. Varchetti as founder and managing partner. A related entity, Roosen, Varchetti & Olivier - GA PLLC, is listed in Atlanta.
The firm's website splits contacts by state. For Michigan accounts it lists (844) 871-3126 and (586) 868-2737; for Georgia accounts, (844) 833-0033 and (404) 458-0123. It also offers online account resolution and payment for each state.
Why Roosen, Varchetti & Olivier May Be Contacting You
The firm describes its work as collecting delinquent receivables, with litigation in Michigan and Georgia, and acting as forwarding counsel for matters elsewhere. It says it handles early-out, pre-charge-off, primary, secondary and tertiary collection portfolios, plus judgment enforcement. Its BBB profile says it represents creditors such as banks, auto lenders and large businesses. It also does creditor-side bankruptcy work and foreclosures.
The range of portfolios means you might hear from the firm while your account is still open but behind ("pre-charge-off"), after a charge-off, or years later when a creditor is trying to collect a judgment. If you live in Texas and get a letter, the account may date from time spent in Michigan or Georgia, or the firm may be acting as forwarding counsel.
How to Check a Debt Roosen, Varchetti & Olivier Says You Owe
- Find out what stage the account is in. Ask whether there is a lawsuit or a judgment. If there's a judgment, ask for the court, case number and date, and check the court record yourself.
- Use your validation rights. The firm must provide the details required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34. Dispute in writing within the stated period if anything is wrong.
- Confirm the client. Ask which bank, lender or buyer the firm represents, and whether the account was sold.
- For auto accounts, ask for the repossession sale details. A deficiency should account for the sale price and any fees.
- Watch limitation periods. Texas allows four years to sue on most debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on consumer debts beyond that (Tex. Fin. Code § 392.307). Michigan and Georgia have different periods, and judgments are governed by separate rules.
What Roosen, Varchetti & Olivier Can and Can't Do
Lawyers who regularly collect consumer debts, including through litigation, are debt collectors under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). When collecting a consumer account, the firm:
- Must sue only where you live or where you signed the contract (15 U.S.C. § 1692i).
- May not threaten a lawsuit, garnishment or other step it does not intend to take or cannot legally take (15 U.S.C. § 1692e(5)).
- May not falsely claim a lawyer personally reviewed your account (15 U.S.C. § 1692e(3)).
- Must respect Regulation F's call limits of seven calls in seven days (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Roosen, Varchetti & Olivier. See where a creditor can sue you in Texas, or our FDCPA attorneys page.
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 Roosen, Varchetti & Olivier 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
- Roosen, Varchetti & Olivier: home page
- Roosen, Varchetti & Olivier: Areas of law
- BBB business profile: Roosen, Varchetti & Olivier, PLLC (facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Roosen, Varchetti & Olivier, PLLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Roosen, Varchetti & Olivier has violated any law. Company details change; tell us if something here is out of date.