Chloe Meltzer
July 21, 2021
Summary: Are you being sued by Capital Collections for money you owe? Make the right defense and win your case fast!
If you have received a letter in the mail regarding debt collections, your first thought might be to throw the letter out. This is the wrong thing to do. Instead, you should educate yourself and understand what to do in the case of being sued by a third-party debt collector.
Capital Collections LLC is a third-party debt collection agency that specializes in the collection of commercial, housing, retail, healthcare, government, transportation, and even agricultural debts. Capital Collections LLC works out of Fresno, California.
If you have a large amount of debt and end up falling behind in payments, then you might be contacted by this agency. This is because they have most likely purchased your debt from the original creditor, and are coming after you to pursue you for the debt. In some cases, Capital Collections has been known to practice unfair or deceptive practices, and in these cases, you do have protection.
The Federal Trade Commission enacted an act called the Fair Debt Collection Practices Act. Known as the FDCPA, it was created to prevent harassment of debtors by debt collectors. This act allows consumers to take legal action against an agency if they feel their rights have been violated.
Don't let debt collectors take what's yours. File a response with SoloSuit.
If you have been contacted by Capital Collections then you need to know your rights. You should know that you have the right to request this agency stop contacting you about your debt. This is called cease and desist and can be done in the form of a written request. Once Capital Collections LLC receives your request to cease contact regarding the debt, they must stop contacting you. If they continue to harass you or call you then you may be able to build a claim under the FDCPA. This can award you up to $1,000, plus additional damages.
If you're being sued by a debt collector then you should know what to expect. The timeline that you will personally go through may vary, but generally, it will go according to the following.
Use SoloSuit to respond to a debt collection lawsuit in 15 minutes.
Whether or not you owe the debt, you will need to respond. This means if you believe that you owe the debt you should respond, but you should especially respond if you do not owe the debt. This might be stressful but it is incredibly important because otherwise, you open up the avenue of default judgment. Debt collectors are going to pursue a lawsuit whether or not you respond, so it is essential to do so. If you do not respond, you will not have the opportunity to challenge the lawsuit later on.
Because Capital Collections is a third-party debt collector, the debt has most likely changed hands multiple times. This means that you can use a few different methods of challenging the lawsuit:
Choose the right affirmative defense with SoloSuit.
Under the FDCPA if your rights have been violated, you may be able to bring a countersuit against Capital Collections. These violations may include:
In some cases, you might choose to fight a debt lawsuit, but other times you might choose to settle with the debt collector. This will vary based on how much you owe, what your overall financial situation is, and how close you are to the statute of limitations.
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
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
Here's a list of guides for other states.
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Being sued by a different debt collector? We're making guides on how to beat each one.
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