Stenger & Stenger, P.C. is a collections law firm in Grand Rapids, Michigan, established in 1994. It represents creditors, and its attorneys are licensed in about a dozen states, so a letter or lawsuit from it usually concerns a defaulted consumer account.
- Type
- Collection law firm
- Also known as
- Stenger & Stenger, P.C; Stenger and Stenger
- Headquarters
- Grand Rapids, MI
- Collects
- consumer accounts for creditors and debt owners
- Phone numbers it lists
- (616) 940-1190, (888) 305-7775
- Website
- stengerlaw.com
177 debt collection complaints were sent to the Consumer Financial Protection Bureau about Stenger & Stenger, P.C 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 Stenger & Stenger?
Stenger & Stenger, P.C. describes itself as a collections law firm, established in 1994, that provides legal representation to creditors. Its office is at 2618 East Paris Avenue SE, Grand Rapids, Michigan 49546. The firm says its attorneys are licensed in Michigan, Indiana, New Jersey, Minnesota, Kentucky, Colorado, Georgia, Ohio, Iowa, Nebraska, Montana and Tennessee. Its website lists (616) 940-1190, a toll-free line at (888) 305-7775, and a TTY line, and states that it is a debt collector attempting to collect a debt.
Texas is not on that list of states. We did not find a CFPB enforcement action against Stenger & Stenger.
Why Stenger & Stenger May Be Contacting You
The firm says it represents creditors in collection matters but does not publish a client list. A Stenger & Stenger letter typically concerns a past-due consumer account that a creditor, or a company that later acquired the debt, has referred to the firm. Because it is a law firm, its letters can come before a lawsuit, as a lawsuit (in a state where its attorneys practice), or after a judgment.
If you've been served, the court papers will show the plaintiff, which may be the original bank or a company that bought the account. Don't let a lawsuit deadline pass while you sort out the details; see what to do first if you're sued.
How to Check a Debt Stenger & Stenger Says You Owe
When a law firm is collecting, ask both what you owe and who has the right to collect it.
- Use the validation notice. A law firm acting as a debt collector must send one, naming the current creditor and itemizing the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing in time. Ask for the account agreement, the last statements and, if the plaintiff bought the debt, the documents showing the transfer of your specific account.
- Identify the client. Find out whether the firm represents the original creditor or a debt buyer, and ask when the account was charged off.
- Check the balance. Compare post-charge-off interest and fees with what your agreement allowed.
- Consider limitations. For Texas residents, a suit on most consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different periods.
What Stenger & Stenger 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)). See can the collection law firm also be a debt collector?
- A letter on law firm letterhead may not suggest an attorney has personally reviewed your file if no attorney meaningfully did (15 U.S.C. § 1692e(3)).
- It must file any collection suit where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not threaten or file suit on a time-barred debt (12 C.F.R. § 1006.26(b)).
- If you have a lawyer and the firm knows it, it must deal with your lawyer instead of you (15 U.S.C. § 1692c(a)(2)).
Visit our FDCPA attorneys page for help.
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 Stenger & Stenger, P.C. 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
- Stenger & Stenger: About
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Stenger & Stenger, P.C, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Stenger & Stenger, P.C. has violated any law. Company details change; tell us if something here is out of date.