Start My Answer

What to Do If You've Been Sued by Atlantic Credit and Finance

Chloe Meltzer | October 19, 2022

Don't let debt collectors rob you of your last meal.

Summary: Is Atlantic Credit and Finance suing you? Are you stressed about how you're going to pay it all back. Learn how to respond and win your debt collection lawsuit.

Have you been receiving suspicious letters, phone calls, or in-person service of court documents? You may have been informed that Atlantic Credit and Finance LLC is suing you over outstanding debt. If this is the case, then you may immediately hang up, throw out the letter, or freak out. What you shouldn't do, is ignore it. This could mean you may face damaging financial consequences if you do not respond in time, and in the right manner.

Who Is Atlantic Credit & Finance?

First off, Atlantic Credit and Finance LLC is a legitimate modern junk debt buyer. This means that they purchase debt from allegedly defaulted consumer debt accounts. Then they attempt to sue consumers for these debts and collect on them.

According to the BBB, Atlantic Credit and Finance was founded in 1996 with headquarters in Roanoke, VA. On their website, ACF states that they help customers to handle their debt. Despite this, their collection tactics include robocalls, letters, and lawsuits.

Companies like Atlantic Credit and Finance LLC purchase your account at a fraction of the cost of what you owe, typically from credit card companies, banks, and other companies. These accounts are usually considered risky or hopeless to collect on, and therefore Atlantic Credit and Finance LLC hopes to collect on the full amount by filing lawsuits in bulk against you.

Respond to your debt collection lawsuit fast with SoloSuit.

What Happens If You Do Not Respond to a Complaint

Atlantic Credit & Finance LLC knows how to work the system. They also know that they can obtain an automatic judgment if you do not respond to their summons. Obtaining a debt judgment can be devastating and can lead to the following consequences:

  • Bank and wage garnishments
  • Judgment liens leading to foreclosure
  • Credit report damage
  • Forced sale of personal assets

Should You Use a Lawyer for a Debt Collection Lawsuit?

Although your situation may be frightening, you may not need to hire a lawyer. This is because these lawsuits are not a guaranteed win for the debt collector. Some debt lawsuits are based on real accounts and debts, but because many lack the necessary documentation to prove that you owe the amount, you may be able to avoid accepting liability. This is because debt can change hands multiple times before a lawsuit is ever filed.

What to Do If You've Been Sued by Atlantic Credit and Finance

Answer the Lawsuit

If you have ever been served a Summons and Complaint, then you must respond to it. This is typically the number one mistake people make when sued for debt. Whether you owe the debt or think you have been sued in error, you still need to respond. This is done in the form of an Answer.

If you do not send an Answer, then you will provide an easy opportunity for Atlantic Credit and Finance to file a default judgment against you. This is when things get serious and the collector can now try to garnish your wages, take money out of your bank account, and even attempt to collect attorney's fees, court costs, and interest charges.

What to Do If You Owe the Debt

Even if you owe this debt, you should respond in around two sentences denying liability. If you automatically admit to the lawsuit, then the collector may secure all of the funds. If you end up being given the liability but you originally responded, then you may be able to negotiate a settlement and save money in the long run.

Responding means that the debt collector will either back down or offer a settlement. The debt collector typically files the lawsuit assuming that you will not file an Answer. If you do, they may be surprised, and not want to put much more effort into collecting from you. This is why if you automatically deny liability, they will work to settle the debt for a lower cost.

Make the right defense the right way with SoloSuit.

Challenge the Debt Lawsuit

Challenge the debt collector's, ability to file the lawsuit against you in the first place. When it comes to credit card debt, it is typically bought at a very low rate by a collection agency. This is why they try to sue you to collect the money owed. Despite this, they also need to prove they have the right to do so. This evidence can be in the form of a transfer of the signed credit card agreement. Most often they do not have this documentation because it was not properly transferred to the collection agency.

If you are planning to ask the court to dismiss the case, it would be because the debt collector does not have the "chain of custody" paperwork. This means that they do not have the right to collect this debt from you.

Use the Statute of Limitations as a Defense

Because Atlantic Credit automatically assumes that you will not respond, they are typically not prepared for your response. This also means that they often do not even check to see if they can legally sue you for the debt. The Statute of Limitations is the maximum amount of time that a third-party debt collector can sue you for debt. After this amount of time, the Statute of Limitations expires and the collector will no longer be able to sue you in court. This can be used as a method of defense against a lawsuit.


Countersuing is an option if a debt collector has violated any of the provisions in the Fair Debt Collection Practices Act (FDCPA). In this case, you may be able to sue them and be awarded damages. The Fair Debt Collection Practices Act includes when you can legally be contacted and in what manner.

Being sued for debt is never fun, but you always have a way out. Especially when being sued by a third-party debt collector such as Atlantic Credit and Finance. Take these tips and make a decision that works best for you, but always remember, you must respond.

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?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

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

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review