Velo Law Office is a creditors' rights law firm in Grand Rapids, Michigan that collects past-due accounts for creditors, both by letter and phone and through lawsuits. A letter from Velo means a creditor has hired a law firm to collect.
- Type
- Collection law firm
- Also known as
- VELO LAW OFFICE; Velo Law; Velo Legal Services, PLC
- Headquarters
- Grand Rapids, MI
- Phone numbers it lists
- (616) 333-0707
- Website
- velo.law
70 debt collection complaints were sent to the Consumer Financial Protection Bureau about VELO LAW OFFICE 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 Velo Law Office?
Velo Law Office describes itself as "a multi-state debt collection law firm headquartered in Grand Rapids, Michigan, with licensed practice in Michigan, Ohio, Indiana, Montana, Wisconsin, and South Dakota." It says it was founded in 2010 and built from the start as a creditors' rights firm, offering "both traditional and legal collections" with in-house collectors, paralegals and attorneys. The BBB lists the business at 1750 Leonard St NE, Grand Rapids, MI 49505, with a start date of January 2010 and the alternate name Velo Legal Services, PLC.
The firm's phone is (616) 333-0707, and its office hours are Monday through Friday, 8:00 a.m. to 4:30 p.m. Eastern. Its website warns consumers not to trust email that claims to come from the firm unless it is sent from an @velo.law, @velolawoffice.com or @payvelo.com address.
Why Velo Law Office May Be Contacting You
Velo collects for creditors "across the country," but it does not publish a list of clients or debt types. A first letter is usually a demand for payment on behalf of the creditor named in it. If the account isn't resolved, the firm may file suit in one of the states where its lawyers are licensed, and its website has pages on payments, payment plans and post-judgment garnishee matters. If you live in Texas and receive a Velo letter, ask which creditor it represents and whether any suit has been filed; Velo's listed licensed states do not include Texas.
How to Check a Debt Velo Law Office Says You Owe
- Read the validation notice closely. Even from a law firm, it must name the current creditor, itemize the amount and set a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before the deadline and ask for account statements, the date of default, and proof of ownership if the creditor bought the account.
- Look for a case number. If papers say you've been sued, check the court's docket right away. A dispute letter does not extend a court deadline.
- Verify where to pay. Use only the payment channels on the firm's official site, given its own warning about fraudulent emails.
- Check the statute of limitations. Texas generally allows four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Michigan and the other states where Velo practices have their own periods.
What Velo Law Office Can and Can't Do
Lawyers who regularly collect consumer debts are "debt collectors" under the FDCPA, including in litigation (Heintz v. Jenkins, 514 U.S. 291 (1995)). For Velo that means:
- A letter on law-firm letterhead may not suggest an attorney has reviewed your file if none meaningfully has (15 U.S.C. § 1692e(3)).
- Any lawsuit must be filed in the county where you live or signed the contract (15 U.S.C. § 1692i).
- It may not claim fees, interest or costs that the contract or law doesn't allow (15 U.S.C. § 1692f(1)).
- Wage garnishment is not available in Texas for ordinary consumer debts (Tex. Const. art. XVI, § 28), whatever the rules in other states.
We did not find a CFPB enforcement action against Velo Law Office. Read more about collection law firms as debt collectors.
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 Velo Law Office 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
- Velo Law: home page
- Velo Law: Contact
- BBB business profile: Velo Law Office (business facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: VELO LAW OFFICE, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Velo Law Office has violated any law. Company details change; tell us if something here is out of date.