February 05, 2021
Summary: Sued by Paragon Revenue Group and need to know how to win? Represent yourself with a little help from SoloSuit!
Blindsided by a debt collection lawsuit? Were you sued by Paragon Revenue Group, and now you're wondering how to win? Short on funds and unable to hire an attorney?
You don't actually need one. It's entirely possible to represent yourself in a debt collection lawsuit. And win!
But to do that, you'll need some help. In this post, we've outlined everything you need to know about how to beat Paragon Revenue Group in court.
Paragon Revenue Group is a third-party debt collection agency. Founded in 1986, the company's headquarters reside in North Carolina. They work for clients in 35 states across the US.
As a third-party debt collector, Paragon Revenue Group pursues debt for their clients. Most of the companies that hire Paragon Revenue Group work in the medical field. If Paragon Revenue Group is calling you, chances are it's for unpaid medical bills.
Paragon Revenue Group doesn't have the best reputation. According to the Better Business Bureau (BBB,) borrowers have filed more than 90 complaints against Paragon Revenue Group.
Ok, so Paragon Revenue Group is a debt collection agency. But why are they after you? You never borrowed money from them.
In fact, this may be the first time you've heard of Paragon Revenue Group. That's because they don't lend money themselves, they just collect it. Your original lender may have hired Paragon Revenue Group to pursue you on their behalf. Or Paragon Revenue Group may have bought you debt outright. Either way, Paragon Revenue Group is responsible for your debt now.
If you're involved in a Paragon Revenue Group lawsuit, you should have received a packet of court documents. This packet should have contained at least two documents: a Complaint and a Summons.
Every court case begins with a Complaint. In this document, the plaintiff (Paragon Revenue Group) will explain their situation to the court. Their Complaint will detail how much money you owe, along with proof of the debt. Since Paragon Revenue Group is the plaintiff, they're responsible for establishing your guilt. Remember, in the US, you're presumed innocent until proven otherwise.
This proof will come in the form of various paperwork. First, Paragon Revenue Group will need to produce your original loan agreement. They'll also need proof that they're legally allowed to collect your debt.
It's important to act quickly after you receive a Complaint. In most jurisdictions, you only have 14-30 days to respond to it. If you don't answer within this time, the court may enter a default judgment against you. Then Paragon Revenue Group will win their case automatically.
If Paragon Revenue Group receives a default judgment, that's a bad outcome for you. Why? If they prove their case, they'll earn the right to collect your assets. The two most common ways they can do that are liens and garnishments.
A lien is a claim on a piece of the debtor's property. If the debtor tries to sell the property, they must pay any proceeds to the creditor first. The defendant must pay the entire sum of their debt before they can take any equity from the sale of the property.
In contrast, a garnishment is a way creditors can skim money off the top of your income. After a creditor wins their court case, they can petition the court to garnish a debtor's wages. That means Paragon Revenue Group will take a portion of every paycheck you make. This will continue until your debt is paid in full.
Want to avoid these two outcomes? All you need is a killer Answer.
An Answer is the defendant's equivalent of the Complaint. In the Answer, the defendant tells the court why they're not responsible for paying the creditor. You can't just come up with any excuse, though. You have to have a legitimate reason for not paying the creditor.
The best way to do this is by scrutinizing the creditor's evidence against you. If you can find an error in their paper trail, you can take advantage of it to dismiss your case.
Debt collectors often by debt in “as is” condition. This often means that pieces of information are missing from your file. If the original creditor is missing a piece of information, a third-party debt collector will never receive it. Bring this to the court's attention in your Answer. It may just win your case.
There's another major defense that the court will accept in your Answer. State laws dictate a statute of limitations for debt collection cases. These can range from 6 to 10 years, depending on the state. A debt collector is not allowed to file a lawsuit after the statute of limitation passes.
Double-check the date of your original debt agreement. If the statute of limitation has passed, tell the court in your Answer. For statute of limitation laws specific to your case, consult a lawyer.
When you file your Answer, you'll need to do it using court-approved standard forms. These forms are unique to each jurisdiction. Courts from one jurisdiction may not accept forms from another. How are you supposed to find the right forms? That's easy - trust SoloSuit.
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.