April 06, 2021
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.
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.
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.
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.
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:
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.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.