Roosen Varchetti & Olivier (2026): Who They Are, Complaints & Your Options
If Roosen Varchetti and Olivier just sent you a letter or filed a lawsuit, you're probably trying to figure out who they are and whether this is serious. It is. Roosen Varchetti & Olivier is a plaintiff-side collection law firm licensed in Michigan and Georgia that files civil suits on behalf of debt buyers — companies that purchased your old account for cents on the dollar and are now trying to collect the full balance. They are not a scam. They are a real firm, and they can take you to court.
This page covers what RVO does, who their typical clients are, what happens if you ignore them, and what your options look like — including settlement.
Who is Roosen Varchetti & Olivier?
Roosen, Varchetti & Olivier, PLLC is a high-volume collection litigation firm based at 39541 Garfield Road, Clinton Township, MI 48038 in Macomb County. They also operate a separately registered Georgia entity — Roosen, Varchetti & Olivier - GA PLLC — out of 3520 Piedmont Road NE in Atlanta.
The firm has been a member of the National Creditors Bar Association (NCBA) since 2012. Under their NCBA profile, they list the following practice areas: auto loans, credit cards, commercial collections, judgment enforcement, student loans, residential lease deficiencies, and government/tax debt. Richard Roosen is the name that appears on most filed suits. Paul E. Varchetti serves as Resident Agent.
They also run a consumer-facing payment portal at rvolaw.com, where debtors can make payments directly on accounts RVO is handling. If you got directed to that URL, you are dealing with this firm.
Roosen Varchetti Olivier is not a general practice firm. They do one thing: collect on charged-off accounts, primarily through litigation.
Why is Roosen Varchetti and Olivier contacting you?
RVO represents debt buyers. Their documented clients include LVNV Funding LLC, Cavalry SPV I LLC, Credit Corp Solutions Inc., and Pharus Funding. Each of those companies buys portfolios of charged-off consumer accounts from original creditors — Citibank, First National Bank of Omaha, and others — at a steep discount, sometimes for 3–7 cents per dollar owed. The debt buyer then hires Roosen Varchetti & Olivier to file suit and collect the full balance.
That's the model. You stopped paying a credit card or auto loan, the original creditor sold the account, the buyer brought in RVO, and now RVO is the one sending the letter or filing the complaint. The original creditor is no longer in the picture.
If you're a business owner getting contacted by Roosen Varchetti and Olivier, it's usually one of two things: a personal guarantee on a consumer-type obligation (a business credit card that you guaranteed personally), or a commercial account that was sold to one of their debt-buyer clients. Their NCBA listing includes commercial collections as a practice area, so they do work both sides.
Can Roosen Varchetti & Olivier sue you?
Yes. That's the core of what they do.
Roosen Varchetti Olivier files civil suits in Michigan and Georgia courts. If you don't respond to a summons within the required window — typically 21 days in Michigan — they get a default judgment. Once they have a judgment, enforcement options open up: wage garnishment, bank levies, and liens. Those tools are real and they use them. The BBB complaints on file for the Georgia entity specifically mention wage garnishment after a claimed settlement and a lien filed on a disputed debt.
Do not ignore a summons from RVO. Ignoring it does not make the case go away. It makes the outcome certain and one-sided.
One thing worth understanding: if the debt is a business obligation without a personal guarantee, you're in different legal territory. The FDCPA — which governs collector conduct and gives consumers specific rights — generally applies to personal, family, or household debts, not pure commercial debts. If RVO is pursuing a business-only obligation, your FDCPA rights are limited. That distinction matters when you're deciding how to respond.
Your rights when Roosen Varchetti and Olivier contacts you
For personal debts, the Fair Debt Collection Practices Act applies to Roosen Varchetti & Olivier. Within 30 days of their first written contact, you can send a written validation request demanding they verify the debt. If they can't produce the documentation — the original account agreement, the chain of assignment from the original creditor through each sale — collection activity is supposed to stop until they do.
Debt buyers don't always have clean paperwork. Assignment chains get messy across multiple portfolio sales. That's a legitimate defense in some cases, though it needs to be evaluated by someone who can actually look at the documents.
There is also a statute of limitations on debt collection lawsuits. In Michigan it's 6 years for most written contracts. In Georgia it's 6 years as well. If the debt is older than that, a lawsuit may be time-barred — but that also needs to be raised as an affirmative defense in court. It doesn't make the suit disappear automatically.
Again: if you're a business being sued on a commercial account, the FDCPA consumer protections don't apply. Different rules govern commercial collections.
Settlement as an option
Debt buyers settle. Routinely. They paid a fraction of the face value for your account, so there's room between what they paid and what they're asking for. RVO's clients are not the original lender holding principal at risk — they're investment vehicles optimizing return on a purchased portfolio.
What that means practically: negotiated settlements below face value are common in this space. Whether you're a consumer dealing with a personal account or a business owner with a personally guaranteed obligation, a structured resolution is often available before or after a suit is filed.
For business accounts specifically — especially if multiple obligations are in play at once — Business Debt Adjusters works with business owners on commercial debt resolution, including accounts that have been placed with collection firms like Roosen Varchetti & Olivier.
Before you respond to any collector or law firm, it helps to know every option on the table. Start with our guide to help with MCA debt.
When you need an actual attorney
If you've already been served with a complaint, you need to talk to a licensed attorney in Michigan or Georgia, depending on where the suit was filed. The response window is short and missing it means a default judgment.
There's also a document-integrity angle worth exploring in any debt buyer case. Roosen Varchetti and Olivier represents buyers who acquired accounts through one or more portfolio sales. Each sale requires a valid assignment of the debt. When those assignment documents are incomplete or missing, it can affect whether the plaintiff has standing to sue at all. An attorney can request and review the chain-of-title documentation during discovery.
Federal FDCPA cases have been filed against RVO — including Nichols v. RVO, Washington v. Roosen Varchetti, McInerney v. RVO, and Roe v. RVO in Eastern and Western District Michigan courts. No final adverse judgments have been identified; most cases settled or were dismissed. But the case history shows the firm has been on the receiving end of consumer protection claims, which is relevant context if you believe they've violated the FDCPA in your situation.
If any of this applies to your situation, start with a free consultation here to get oriented before you respond.
Frequently asked questions about Roosen Varchetti and Olivier
Is Roosen Varchetti & Olivier a legitimate law firm?
Yes. Roosen, Varchetti & Olivier, PLLC is a licensed collection law firm operating in Michigan and Georgia. They are a member of the National Creditors Bar Association and have been since 2012. rvolaw.com is their legitimate payment portal. If you received a letter on their letterhead or got directed to that site, it's real.
Why is Roosen Varchetti & Olivier calling me?
They represent a debt buyer — most likely LVNV Funding, Cavalry SPV, Credit Corp Solutions, or Pharus Funding — that purchased a charged-off account associated with your name or your business. RVO's job is to collect that balance, either through negotiation or by filing suit. Check the letter for the creditor name and account number to confirm which debt this refers to.
Can Roosen Varchetti & Olivier sue my business?
Yes, if the debt is a business obligation they've been assigned to collect, or if you personally guaranteed a commercial account. Their NCBA profile includes commercial collections as a listed practice area. If the suit is against your business entity on a commercial account, FDCPA consumer protections don't apply — different rules govern that situation.
What do the CFPB complaints about Roosen Varchetti & Olivier show?
Per ComplaintRate.com cross-referencing CFPB data, RVO has 8 total complaints on file with the CFPB since 2011. The Georgia BBB entity shows 5 complaints in the last 3 years, with 4 closed in the last 12 months. Complaint themes include wage garnishment after a claimed settlement, a lien filed on a disputed debt, and payment portal errors. No CFPB enforcement action has been identified. RVO formally responds to BBB complaints.
What happens if I ignore Roosen Varchetti & Olivier?
If you ignore a letter, collection efforts continue and litigation is likely. If you ignore a summons after a suit has been filed, RVO gets a default judgment — typically within weeks. With a judgment in hand, they can garnish wages and levy bank accounts. In Michigan, they have 10 years to enforce a judgment and can renew it. Ignoring the situation does not stop the clock.
Talk it through before you respond
Getting a letter or a summons from Roosen Varchetti and Olivier is stressful. The instinct to wait and hope it resolves is understandable. It won't. But reacting without a clear picture of your options can also cost you — you might settle for more than necessary, or miss a defense that's available to you.
Take 30 minutes to understand your situation first. Schedule a free consultation with Business Debt Adjusters here — no commitment, just clarity on what you're dealing with and what your real options are.
This page is for informational purposes only and is not legal advice. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent Roosen, Varchetti & Olivier, PLLC. Company names are used for identification only. If you're facing an active lawsuit, consult a licensed attorney in your state.
