Start My Answer
loading...

Respond to a Lawsuit Against Armada Corp

Dena Standley | April 23, 2024

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Armada Corp sometimes sues consumers when they are unsuccessful in convincing them to pay directly to the creditor or via the Armada Corp pay online services. SoloSuit explains how to respond to the lawsuit using an Answer document and improve your chances of winning.

For most consumers, receiving a lawsuit from a debt collector is the worst nightmare. If they lose the case, the debt collector may be permitted to garnish their wages, access their active bank accounts, or put a lien on their property. The same outcomes may occur if Armada Corp sues you and you do not take action immediately.

Taking action means responding to the lawsuit before the deadline in your state. Your response needs to include important information that can cause Armada Corp to withdraw the case or, if the case proceeds, increase your chances of winning. This article will give you a step-by-step process of responding to a lawsuit by Armada Corp. Before we jump into the discussion, let's learn more about Armada Corp.

Sued for debt? Settle it with the help of SoloSettle.

Settle with SoloSettle

Make an Offer

What is Armada Corp?

Armada Corp is a legitimate debt recovery firm that has been in business for over 79 years. They are a member of ACA International, formerly known as American Collectors Associations, which monitors how debt collection agencies operate.

Armada Corp collects for various clients, including healthcare providers, utility companies, financial service providers, government agencies, and retail businesses. Their contact information is as follows:

Once you default on making payments for more than 90–180 days, Armada Corp's clients transfer your account to them and they aggressively follow you up to force you to pay. Did you know you can stop their persistent calls by sending SoloSuit’s Debt Validation Letter? This document requires them to verify the debt is yours and that the figures are accurate.

Steps to respond to Armada Corp lawsuit

If Armada Corp has sued you, don’t panic. You still have a chance to win your lawsuit. Debt collectors have a legal right to sue consumers for debt after they have tried to collect and all attempts have failed. In some situations, they may sue the wrong person or quote an inaccurate figure in the lawsuit. These are scenarios you can use in your response to win your lawsuit. But you have to follow these three steps to succeed:

  1. Answer each claim and allegation listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer in court.

To learn more about these three steps, check out this video:

Now, let’s break down each step in detail.

1. Answer each claim and allegation listed in the Complaint

In the lawsuit, you will see a Complaint document listing all the claims and allegations Armada Corp has against you. They will be outlined as statements, and you can only respond in one of three ways for each statement:

  • Admit: When you write admit, you agree with the allegation Armada Corp made against you and are ready to face the consequences.
  • Deny: When you deny Armada Corp’s claim, you are saying you want them to prove that what they claim you did or did not do is true.
  • Deny for lack of knowledge: When you are unsure of the details or facts about the allegation Armada Corp is making, you can respond with deny for lack of knowledge. This response means you need more time to investigate.

When responding, it is best to deny most of the allegations to give Armada the task of proving their case. Some debt collectors often lack enough information and end up withdrawing the case and making a settlement offer.

2. Assert your affirmative defenses

Affirmative defenses are the reasons you give explaining why you are not responsible for the debt and, in some situations, why you should not pay it even if it is yours. For every defense you give, ensure you have enough proof, such as documents and timelines. The evidence will increase your chances of the case going in your favor. Some affirmative defenses to use are:

  • You paid the debt in full, or the debt was canceled.
  • Armada Corp violated your consumer rights.
  • The debt information is inaccurate.
  • The statute of limitation for your particular debt has passed.
  • Armada Corp lacks a lawful standing to collect from you.

SoloSuit can help you develop the right affirmative defenses in your Answer document.

3. File the Answer in court

The third step is as crucial as the other two because failure to file the Answer in time equals not having responded to the lawsuit. Check the deadline for filing in your state and send the Answer via mail or take it to the courthouse in person. Other courthouses require you to file electronically. Remember to send a copy to Armada Corp and keep another copy in your records.

As you respond to the Armada Corp lawsuit, you can also countersue them for violating your consumer rights under the Fair Debt Collection Practice Act (FDCPA). Ensure you have enough evidence to prove your case. If you win, you may be awarded $1000 for every violation.

Now, let’s explore an example of how you can resolve a debt with Armada Corp.

Example: John, burdened by medical debt from an unexpected surgery, fell behind on payments and faced a lawsuit from Armada Corp. Overwhelmed but proactive, he turned to SoloSuit to create a personalized Answer to the lawsuit. This made Armada Corp reconsider the lengthy legal process and uncertainties of court. When John reached out to Armada Copr to negotiate a settlement, they accepted. John settled the debt for much less and avoided a stressful court appearance.


Negotiate debt settlement with Armada Corp

After responding to the lawsuit with an Answer, you can approach Armada Corp to settle the debt instead of proceeding to court.

Most debt collectors welcome debt settlement because the court process can be costly, and Armada Corp may be unsure they will win the case if your Answer document was professionally done. Debt settlement entails requesting Armada Corp to accept a reduced amount of the original debt. You should give reasons to show that you do not have the financial means to pay the total amount.

SoloSettle can help you send a powerful debt settlement offer that increases your chances of receiving a positive response. Start with a smaller offer because Armada Corp will likely respond with a counteroffer.

To learn more about how to settle a debt with Armada Corp, check out this video:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


Contents