How to Beat Van Ru Credit Corporation

George Simons

April 06, 2021

You can defend yourself against debt collectors.

Summary: Are you being sued by the Van Ru Credit Corporation? Find out how to fight against this debt collector and win in court.

If you are being harassed and threatened by a debt collector such as Van Ru Credit Corporation, you may be feeling overwhelmed, intimidated, and unsure about your future. If the stress of being hounded by a debt collector was not bad enough, there is a high likelihood that you will wind up getting served with a collection lawsuit.

If you find yourself in this difficult situation, your mind is probably inundated with questions, including: “What steps can I take to beat Van Ru Credit Corporation in court?” SoloSuit is here to help. The information offered by SoloSuit is designed to help you effectively defend yourself against a collection lawsuit filed by Van Ru Credit Corporation and other debt collectors.

Use SoloSuit to respond to debt collection lawsuits fast.

Who Is the Van Ru Credit Corporation?

Van Ru Credit Corporation is a debt collection agency that has been hounding consumers for decades. The agency was originally founded in the 1950s and operates out of a headquarters based in Des Plaines, Illinois. They market themselves as a “full-service” Accounts Receivable Management company that “specializes” in the collection of third-party debts.

Van Ru Credit Corporation has developed a reputation for being extremely aggressive when attempting to collect outstanding debts. Numerous consumer complaints have been filed with the Better Business Bureau alleging that Van Ru Credit Corporation violated various provisions of the Fair Debt Collections Practices Act.

For example, multiple consumers reported that collectors affiliated with Van Ru Credit Corporation engaged in inappropriate and unethical communications and attempted to collect on debts that were not actually owed.

This means if you were served with a collection lawsuit filed by Van Ru Credit Corporation, do not throw up your hands in despair. You have legal rights and may be able to fight back against Van Ru in court.

Don't let debt collectors push you around. Fight back with SoloSuit.

Respond Quickly to a Debt Collection Lawsuit Filed by Van Ru Credit Corporation

If you are served with a Complaint filed by Van Ru Credit Corporation, it is vitally important to respond to the lawsuit. Also, your response needs to be filed within the timeframe set forth by the Court.

One of the most common mistakes people make when they are sued by a debt collection company like Van Ru Credit Corporation is failing to respond to the lawsuit. Whether you actually owe the debt or believe you were sued by mistake, you need to take action and file a formal response to the lawsuit. In legal terms, your response to the Complaint is known as an Answer.

The reason filing an Answer is so important is because failing to do so is admitting defeat and letting Van Ru Credit Corporation file a motion to obtain a default judgment against you. Once a default judgment is entered by the Court, you are effectively at the mercy of Van Ru Credit Corporation. They would then be empowered 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 file a formal Answer to the debt collection lawsuit is that many debt collection companies like Van Ru Credit Corporation assume you will not file an Answer. This is because the vast majority of people who are subjected to a collection lawsuit will fail to file a response. As a result, when you take the time to file an Answer, it catches many debt collectors off guard and could create an opportunity to try and reach a settlement or out-of-court resolution with the debt collector.

Respond to debt collection lawsuits in 15 minutes with SoloSuit.

Make Van Ru Credit Corporation Prove That You Owe the Debt

The debt claimed in the lawsuit filed by Van Ru Credit Corporation may have been packaged, sold, and resold by multiple companies. As a result, a strategy for challenging the collection lawsuit is simply requesting that the debt collection company provide evidence that you actually owe the alleged debt.

For example, you should demand that the collection company provide a copy of the signed agreement and balance on the purportedly delinquent account from zero to the present. In many instances, the debt collection company only has sparse documentation and may not even have sufficient evidence to respond.

As mentioned earlier, many debt collection companies (including Van Ru Credit Corporation) assume people will not file a formal Answer to the debt collection lawsuit and they will obtain a default judgment. There are many instances when the debt collector fails to take the time to confirm that they have the legal ability to sue you for the debt. Keep in mind, if the applicable statute of limitations has expired, the debt collector is prohibited from suing you. 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 has lapsed, you can raise this issue as an affirmative defense that could enable you to file a motion to dismiss the debt collection lawsuit entirely.

File a Counterclaim Against Van Ru Credit Corporation

In addition to raising different affirmative defenses in response to the debt collection lawsuit filed by Van Ru Credit Corporation, you also have the option to go on offense by filing a counterclaim against this debt collection company. A counterclaim could be pursued if there is evidence that a collection agent affiliated with Van Ru violated a provision, or provisions, of the Fair Debt Collection Practices Act (FDCPA).

Here is what you need to do if you receive a debt collection notice or debt collection lawsuit filed by Van Ru Credit Corporation:

  • Keep track of any phone calls made by a debt collector affiliated with Van Ru that occurred before 8:00 A.M. or after 9:00 P.M.
  • Keep track of any phone calls made to your workplace.
  • Keep track of any vulgar or inappropriate language used by the debt collector when they speak with you.
  • Make sure to file your Answer to the Complaint on time.
  • In your Answer, make sure to raise affirmative defenses like the statute of limitations and demand that the debt collection company provide proof of the specific amount owed.

What is 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.

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


Get Started


>>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

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

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

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa