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How to Beat CVCS Debt Collection

George Simons | December 12, 2023

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Is CVCS Debt Collection threatening you over an old debt? Not sure how you're going to win the fight? Learn how to respond to debt collectors like CVCS Debt Collection and beat them in court.

Has CVCS Debt Collection been harassing you to pay a debt? This is probably an upsetting time. Unfortunately, CVCS Debt Collection and other companies like them use unethical means to get consumers to pay what they allegedly owe. So CVCS Debt Collection may call you at all hours of the day to encourage you to pay what you owe. They might harass you on the job and try to bother you on your social media channels. These companies rarely give up and can hound you for years. They get the most compensation when they get you to pay, so they will keep coming after you.

Multiple Consumer Complaints Filed Against CVCS Debt Collection

CVCS Debt Collection is an aggressive debt collection company. They are known for using unethical tactics to get people to pay debts. This agency is based in the United States. It has many complaints against it for alleged violations of the Fair Debt Collection Practices Act. Companies like CVCS Debt Collection will say and do just about anything to get you to cough up some money. But if you are aware of the rules they must follow, you're far ahead of the game.

Did you know that some CVCS Debt Collection agents will use illegal communication methods and may even try to collect on debts that are not yours? If CVCS contacts you, it's important to know your rights so you have a chance to beat them at their own game.

If you are on the receiving end of nasty phone calls and letters from CVCS Debt Collection, never despair! You always have the means to fight these companies. We recommend that you take advantage of some of the resources that we offer at SoloSuit.

Our mission is simple. We want to help people who are bothered by annoying debt collectors and have questionable debt collection lawsuits filed against them. Companies like CVCS want you to believe that you have to pay them and fighting them is hopeless. But it isn't. You have rights in the US when you owe debts. With some planning, you may be able to defeat these people and not pay them anything.

At SoloSuit, we take pride in helping people stand up for themselves and beat unethical debt collection companies.

Don't let aggressive debt collectors push you around. File a response with SoloSuit.

What To Know About Your Rights When Contacted by CVCS Debt Collection

CVCS Debt Collection will take advantage of you if you don't know your legal rights as described in the Fair Debt Collection Practices Act.

This complex law has many provisions that state what a debt collector can and cannot do to get money for debts. Some of the many rules they must follow are:

  • The debt collector is prohibited from contacting you at work.
  • The debt collector is not allowed to use vulgar or rude language when they communicate with you.
  • The debt collector cannot threaten you with a lawsuit.
  • A debt collector is prohibited from calling you at home before eight in the morning and after nine at night. If they communicate with you, it must be during business hours.

Make debt collectors leave you alone by responding with SoloSuit.

How You Can Protect Yourself If CVCS Debt Collection Files A Debt Collection Lawsuit

If CVCS Debt Collection sues you, it's good policy to respond as soon as possible. Please don't think you can ignore the lawsuit and it will go away. This means the debt collection company wins. But there are several things you can try to get the lawsuit thrown out as you write your Answer:

  • Never concede to a debt collection company that you owe the debt. They must prove that the debt is yours. Don't do their job for them.
  • File your Answer with the appropriate clerk of court within the right time frame as noted in the complaint - usually 20 or 30 days.
  • Mail your Answer copy to CVCS Debt Collection and be sure it has been stamped by the Clerk of Court.

Affirmative Defenses to Potentially Raise in Your Answer to the Debt Collection Lawsuit

You want to defeat CVCS Debt Collection and not pay anything? You need to respond effectively to the suit and use some affirmative defenses. Point out any weaknesses in their case. Remember that CVCS must prove you owe the money. So they have to prove a few things before they can legally claim the debt is yours.

  • The debt collection agency can sue you.
  • You are the person who owes the money.
  • You owe the amount that CVCS claims in the complaint.

If the debt collection firm doesn't satisfy these requirements, the lawsuit may be dismissed.

Depending on the case, you might claim the company failed to file the lawsuit after the statute of limitations expired. This is how long someone has to sue you. It can range between one and three years in many cases.

If the statute of limitations expired, you could file a motion to have the lawsuit dismissed with prejudice.

Also, you may even be able to get compensation and your legal fees paid by CVCS if you can prove they violated federal law when they contacted you. If you are smart and aggressive, you can walk away without owing and dime AND have the company pay your legal fees!

Make the right defense the right way with SoloSuit.

What to Do If You're Sued by CVCS Debt Collection

We have covered a lot of ground, but here's a quick summary of what you should do if CVCS Debt Collection sues you:

  • Write down when the company calls you and note if they use bad language or call you before eight am or after nine pm. They are only allowed to call you during normal business hours and they cannot use vulgar language.
  • File your Answer to the complaint within the proper time limits.
  • Raise affirmative defenses in your answer, such as the company violated federal law when they called or wrote to you. You also should insist CVCS Debt Collection prove that you owe the debt and that you are the one who owes it.

These are proven methods to beat CVCS Debt Collection. Remember to file a countersuit if they may have violated the FDCPA.

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.

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"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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