How to Win a Debt Lawsuit Against Security Credit Services

George Simons

August 19, 2020

If you are the swimmer, and Security Credit Services is the gator, then SoloSuit is the Elbow-Drop Guy.

Summary: Sued for a debt by Security Credit Services? This guide is for you. Use SoloSuit to respond in 15 minutes.

If you were served with a lawsuit filed by Security Credit Services, your mind is probably inundated with questions or concerns, most importantly, “What steps can I take to beat Security Credit Services in court?” SoloSuit may be able to help in responding to the debt collection lawsuit. The information provided below offers key insights and advice on how to effectively defend and fight against Security Credit Services in court.

Overview of How Security Credit Services Operates

Security Credit Services is a debt collection company based in Oxford, Mississippi. They specialize in buying delinquent and charged off debts from banks, retailers, and other financial institutions at a substantially discounted rate. They then turn around and file lawsuits in an effort to collect on those outstanding debts.

Since its inception, Security Credit Services has received numerous complaints alleging multiple violations of the Fair Debt Collections Practices Act (FDCPA). Some of the most commonly cited violations include failing to provide debt verification and attempting to collect debts from people who did not actually owe them any money.

You May Be Able to Pursue Compensatory Damages Against Security Credit Service

In addition to defending against a Security Credit Service lawsuit, you have the option to go on offense by filing a counterclaim against this debt collection company. You can go on offense by filing a counterclaim pursuant to the aforementioned FDCPA.

Consumers have the right to file a lawsuit for alleged violations of the FDCPA, such as receiving collection calls before 8:00 AM or after 9:00 PM. If you prevail in this counterclaim, you could be entitled to statutory damages of $1,000, plus punitive and economic damages.

Make Sure to Respond to the Lawsuit Filed by Security Credit Services

If you get served with a Summons and Complaint by a representative of Security Credit Services, it is extremely important to actually file a response to the lawsuit. In addition, your response needs to be filed with the court in a timely manner.

SoloSuit makes it simple to respond the right way.

One of the most common mistakes people make when they are sued by a debt collection company like Security Credit Services is failing to actually respond to the Summons and Complaint. Whether you actually owe the debt or believe you were sued by mistake, you need to provide a response to the allegations levied by Security Credit Services. In legal terms, your response to the Complaint is known as an Answer.

The reason providing a response is so important is because failing to do so will enable Security Credit Services to file a motion to obtain a default judgment against you. If a default judgement is entered by the Court against you, Security Credit Services will be authorized to garnish your wages, take money from your bank account, collect attorney's fees and court costs, and seize your personal property.

Another important reason to respond to the lawsuit is because many debt collection companies like Security Credit Services are assuming you will not file an Answer to the Summons and Complaint. This is because the vast majority of people fail to respond. As a result, when you take the time to provide a response, it actually catches many debt collectors off guard and could even create an opportunity to reach a settlement or out-of-court resolution with the debt collector

Make Security Credit Services Prove That You Actually Owe the Alleged Debt

There is a very good chance the debt claimed in the lawsuit has been packaged, sold and resold before the current debt collection agency, such as Security Credit Services, purchased it and is suing you to try and collect on it. As a result, a strategy for challenging the lawsuit is simply requesting that the debt collection company provide the original signed agreement and a balance on the account from zero to present. In many instances, the debt collection company only has a portion of the statements and likely will not have access to the original signed agreement.

Make Security Credit Services Prove the Lawsuit was Filed Within the Statute of Limitations

As mentioned earlier, many debt collection companies (including Security Credit Services) assume most people will not actually respond to the collections lawsuit and they will obtain a default judgment. As a result, there are many instances when the debt collection company fails to actually take the time to confirm that they can legally sue you for the debt. Keep in mind that if the applicable statute of limitations has expired, the debt collector is legally prohibited from suing you on the debt. In most states, a debt collector only has a finite amount of time to sue you for an alleged delinquent debt.

If it turns out that the statute of limitations expired, you can raise it as an affirmative defense that could enable you to file a motion to dismiss the lawsuit entirely.

SoloSuit helps you make the right defense the right way.

To learn more about how to effectively respond and defend against a Security Credit Service lawsuit, use the tools and resources available through SoloSuit.

How SoloSuit Can Help

SoloSuit makes it easy to respond to a debt collection lawsuit. Here is what to expect when you use SoloSuit. First, you will utilize our step-by-step web-app. This app will ask you a series of questions. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

If you need assistance on how to best respond to a debt collection lawsuit, consider utilizing SoloSuit. What is SoloSuit? Take a moment to review these FAQs to learn more.

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Overview of What You Should Do If You are Sued by Security Credit Services

Here is what you need to do if you receive a debt collection notice or debt collection lawsuit from Security Credit Services:

  • Take note of any phone calls made before 8:00 A.M. or after 9:00 P.M, any phone calls made to your place of work, and any use of vulgar or inappropriate language.
  • File your Answer to the Summons and Complaint in a timely manner (typically within 20-30 days after being served with the lawsuit).
  • In your Answer, make sure to raise affirmative defenses like the statute of limitations and demanding that the debt collection company provide proof of the specific amount owed.
  • Consider filing a counterclaim for any violations committed by Security Credit Services of the Fair Debt Collection Practices Act.

Best of Luck!

Additional Resources

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

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