January 14, 2021
Summary: If you've been sued for a debt by the Reunion Student Loan Finance Corporation, use SoloSuit to respond in just 15 minutes and win your lawsuit.
It was probably challenging enough to pay off your student loans. If you thought that undertaking was daunting, then what do you do when you are sued by a company like Reunion Student Loan Finance Corporation? Despite the stress and uncertainty of this situation, SoloSuit understands and is here to help.
Throughout the collection process of Reunion Student Loan Finance Corporation, you have rights and there are certain “answers” you can raise if you are named in a lawsuit. These answers are known as affirmative defenses and they can help you win a debt collection lawsuit brought against you by Reunion Student Loan Finance Corporation
If you've never heard of Reunion Student Loan Finance Corporation and can't understand why they had you served with a summons of a lawsuit they have filed against you, know that you are not alone.
Headquartered in Aberdeen, South Dakota, Reunion Student Loan Finance Corporation is a corporation in good standing with the state. It is noteworthy that on August 7, 2020 an amendment to their corporation was submitted to the South Dakota Secretary of State changing the corporate name to ZuntaFi Corp. Located at 105 First Avenue SW in Aberdeen, Reunion Student Loan Finance Corporation (soon to be ZuntaFi Corp.) has shown at times overly aggressive collection tactics in attempting to collect student loan debts.
Reunion Student Loan Finance Corporation is a Student Loan Servicer. Simply put, a loan servicer is given the responsibility of complete administration of managing the collection and resolution of a student loan by the financial institution that financed the loan. These banks and credit unions that provide the money to the borrower contract loan servicers to manage their loans. Reunion Student Loan Finance Corporation makes a fee for every account they service for their financial institution clients. So, they have a vested interest in the resolution of every account. Failure on their part could result in the end of that contract from the bank or financial institution which results in loss revenue for Reunion Student Loan Finance Corporation.
If you are served a summons for a lawsuit filed by Reunion Student Loan Finance Corporation, it can feel nerve wracking. Be aware that there are actions that you can take that will protect your rights as a consumer and to put yourself in the best possible position to prevail in the upcoming lawsuit.
Being sued is not something that many people have experience with and can lead to anxiety that can prevent you from taking the appropriate action. That is exactly what Reunion Student Loan Finance Corporation wants from you. If you allow yourself to be overwhelmed, there is a good chance that you will ignore the lawsuit.
This is precisely what they hope you do. You see, if you don't challenge the business affidavit and accounting of Reunion Student Loan Finance Corporation, they will proceed to attempt to secure a default judgment. If the consumer doesn't respond to the summons, the default judgement is all but assured. If the courts grant the default judgement in favor of Reunion Student Loan Finance Corporation, that is when the real nightmare can begin.
A default judgment gives Reunion Student Loan Finance Corporation the power to garnish your wages. They could choose to freeze your bank account or even seize personal property like your car in an effort to satisfy the student loan debt. You can change this from happening by responding to the Complaint.
This is critical. It is important to draft your “Answer” to the Complaint in a timely fashion. It has to be timely because most times there is a limited window of time for you to respond. When Reunion Student Loan Finance Corporation files a lawsuit they generally rely on “business records affidavits”. It is possible to raise specific defenses that could reveal the weakness in the Reunion Complaint. This is where SoloSuit can help.
Your response to the Complaint isn't the end of the lawsuit. The Complaint has a court date and prior to that date there is a “discovery” phase. This is where both parties can submit requests in writing for information and documentation.
This is your opportunity to demand an accounting of the alleged debt and to request that Reunion Student Loan Finance Corporation provide documented proof that you owe the amount alleged in the lawsuit. This could be important because they would have to provide the documentation that the allegations in the lawsuit are 100% accurate. You can also request that Reunion Student Loan Finance Corporation justify any fees, penalties, and other expenses that have been added on to the outstanding debt allegedly owed. Basically, it is your right to hold the Reunion Student Loan Finance Corporation accountable and make them actually prove their case against you.
To summarize, here is a checklist of the things you need to do if you are sued by Reunion Student Loan Finance Corporation for an alleged outstanding debt:
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. 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.
"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
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.