How to Answer a Summons for Debt Collection in Mississippi (2024 Guide)

George Simons | June 29, 2024

Edited by Hannah Locklear

“I hope I get sued for debt collection today!” — said no one ever.

This article helps to make the process of responding to a debt lawsuit a little bit easier. Below, you'll find helpful topics on how to answer a summons for debt collection in the Mississippi and what to expect in this type of legal action. This list includes information specific to filing in Mississippi, like Mississippi deadlines, forms, and fees.

Table of Contents

• Deadlines
• Forms
• Steps to Respond
• Settle Debt in Mississippi
• Statute of Limitations in Mississippi
• Mississippi Debt Collection Laws
• Mississippi Debt Relief
• Stop Wage Garnishment in Mississippi
• Check Your Mississippi Case Status
• Mississippi Legal Aid Organizations
• Key Takeaways
• Guides for Other States

Mississippi Deadline for Answering a Debt Collection Summons

You have 30 days to respond to a summons for debt in Mississippi.

Your first notice of the lawsuit against you was likely receiving the Summons and Complaint. This is what starts a lawsuit.

The Summons is the notice from the Court that a lawsuit has begun (with the filing of the Complaint) and tells you the time period for your response. And “service” or “being served” refers to when you received these documents, usually in-person or via U.S. Mail. Often these documents will also have a “certificate of service” which states the date that you were notified.

The Complaint is the allegations by the plaintiff (either your creditor or a third-party collection agency that purchased the debt from your original creditor) and specifically mentions the debt amount owed plus interest and court costs. This document usually contains a numbered list of all the claims against you.

Knowing the date of service is vital to determining your deadline to respond. In Mississippi, you have 30 days to respond to a debt collection lawsuit.

This deadline is outlined in Miss. R. Civ. P. 12, which states:

"A defendant shall serve his answer within thirty days after the service of the summons and complaint upon him or within such time as is directed pursuant to Rule 4."

When it comes to responding to a Missisippi Summons, it's important to keep a few things in mind:

• These deadlines are very strict, but less-so for self-represented parties.
• The clock on your 30 days starts as soon as you are served.
• The 30 day response time may include times that the Court is not open, like weekends or federal holidays. If the 30th day falls on one of those days, the deadline would be the next business day that the Court is open.

Abiding by this deadline is the single best thing you can do for yourself in this situation. It's tempting and very common to want to ignore a lawsuit against you. And that reaction is exactly what the party bringing the lawsuit against you (or “plaintiff” in legal terms) is banking on. Because if you don't respond to the debt collection lawsuit within the allowed time period the Court will order something called a default judgment in favor of the plaintiff.

A default judgment means that they win the lawsuit simply because you didn't respond to it. In some circumstances it might be possible to ask the Court to set aside a default judgment to allow you an opportunity to respond, but this is extremely rare. Once they have a default judgment in-hand, the plaintiff can come after you in more aggressive ways to collect the money, most commonly by using the Court order to garnish your paycheck or tax returns. This results in money coming out of your paycheck before you even see it, which will put you in an even worse financial position than before. And while it might be possible to ask the Court to set aside a default judgment and give you a chance to respond, it's very rare that this happens.

Knowing this, you can see just how important it is to make sure that you do respond to the lawsuit within the allowed timeframe. First of all, it throws a wrench into the works for the plaintiff, who was hoping to just intimidate you and then sit back and collect their judgment and money. If you respond, they'll need to pay their own attorneys to handle the case and it'll take time and effort on their part. They hate that. So let's do it.

Mississippi Answer to Summons Forms

Missisippi doesn't have a statewide Answer to Summons form, but SoloSuit's Answer form is easy to fill out and is accepted by courts throughout the entire state. With just a few questions, the SoloSuit software helps translate your responses into the proper legalese and format to file an Answer in Mississippi. In addition, an attorney can review it to make sure everything is just right, and a legal support specialist will file it on your behalf so you don't need to worry about any of the details.

There are also number of forms available online for other legal actions in Mississippi. Here's a sample Answer form, although please note it is not specific to Mississippi. We will guide you through the process to draft a proper answer below, both in form and content, to use as your defense in your debt collection case.

If the lawsuit is filed in Justice Court (for civil matters concerning less than three thousand five hundred dollars) you can check out this helpful guide for representing yourself (also referred to as “pro bono.”)

Follow these steps to respond to a Mississippi Summons for debt

A lawsuit begins when the plaintiff files their Complaint against you in the Court and then serves that document along with a Summons from the Court.

You can respond in one of two ways; either an Answer document or a Motion. An Answer document is more straightforward and usually sufficient. Motions are requests made to the Court that should really be handled by attorneys as there is a lot more specific procedure involved.

As we discussed above, if you don't respond within that 30-day period, you will automatically lose your case by default judgment. All you need to do to avoid that outcome is to complete the four steps below:

1. Create an Answer document.
2. Answer each issue of the complaint.
3. Assert your affirmative defenses.
4. File one copy of the Answer document with the court and serve the plaintiff with another copy.

It's never a bad idea to make an additional copy of the paperwork for your own records as well. We will detail each step below.

1. Create an Answer Document

Step one tom making your response to a debt collection lawsuit is creating your answer document in the proper format.

To do so, you'll need to gather the information listed on the Complaint and Summons and add it to your Answer. This includes the following:

• Your personal information: address, name, etc.
• The plaintiff's information: the attorney suing you, the company suing, their address, etc.
• The Court's information: the name of the court the case is in, which division in Mississippi, the address of the court, etc.
• The case information: the case number, cause number, index number, or civil number, the amount of the lawsuit, etc.

SoloSuit can walk you through collecting this information and then take care of all the formatting for you.

Make certain to create the caption portion (plaintiff vs. defendant etc.) in the same format as the documents you received. This is necessary to file your Answer with the Court. Once you have formatted your Answer document with the information you gathered you're ready to move on to step two.

2. Answer each issue of the Complaint

The next step is to respond to the Complaint. It's probably a lot easier than you think.

SoloSuit makes it easy to respond to every paragraph.

You'll want to read through the Complaint and consider each numbered paragraph separately, and then respond with one of the following three ways:

• Admit
• Deny
• I don't know

Choose whichever of the above responses is appropriate and list it in your Answer document. Be certain to list each response beginning with the same number as the corresponding paragraph in the Complaint, so it is clear to see which response goes with each allegation.

Keep in mind that you don't need to deny each allegation in order to win (although that can be a strategic decision, more on that below.) There's no harm to admitting facts that are true, such as your name and address. You should use the third response when you can't verify something, for example, the debt collection company suing you may state that they are incorporated in Mississippi. Chances are you have no way to independently verify that claim, so saying “I don't know” as your response is perfectly fine.

As an alternative, you could go with making a general denial, where you deny everything in the complaint and force the other side to prove everything. This is a tactic often recommended by attorneys. It puts the burden of proof on the plaintiff to prove everything.

3. Assert affirmative defenses

The third step might even be fun because this is where you get to fight back by asserting affirmative defenses. An affirmative defense is a reason you can assert to show why the plaintiff doesn't have a case. There are plenty of possible affirmative defenses under Mississippi law. You can list any and all affirmative defenses that apply to your situation.

SoloSuit can show you all of the available affirmative defenses and how to determine which apply to you.

Below are some of the more common defenses we see in Mississippi debt collection cases:

• The account listed in the Complaint is not yours. The account number might be wrong. Or perhaps you've been a victim of identity theft and someone else opened the account. If you have any documentation to support this defense (like a statement with your actual account number and/or name, or a police report you filed about the identity theft) you should reference it and include a copy in your Answer as an exhibit.


• The debt has been paid or excused. Maybe you already paid this debt. If so, they can't collect it again. Or perhaps you came to an agreement with the creditor to pay a lesser amount to satisfy the debt in full satisfaction. Again, reference and attach any supporting documentation such as bank records showing a cashed check or online payment, or any correspondence between you and the creditor regarding a lower payment.


• You disagree with the amount of the debt as stated in the Complaint. You can admit to owing a debt and still contest the amount if you feel it is excessive and would unjustly enrich the creditor. Usually, by the time an unpaid debt gets to the lawsuit stage, it has grown far larger than the original amount through interest, late fees, and penalties.


• The debt was already discharged in a bankruptcy. If you previously filed a bankruptcy case and this debt was included and successfully discharged then the plaintiff cannot try to collect it through the Court. You are no longer legally responsible for a debt that has been discharged in bankruptcy.


• The statute of limitations has expired. A statute of limitations is a law that sets a deadline for legal action. We will discuss the Mississippi statute of limitations on debt collection in more detail later in this article.


• You can't confirm that the plaintiff holds the debt. Chances are high that the party suing you is not the original holder of your debt. As a general practice, creditors sell off uncollected debt to third-party debt collection companies after a period of time (minimum of 90 days) has passed, for pennies on the dollar. If the company suing you is not the original debt holder you can absolutely demand that they prove, through a paper trail, that they legally purchased and hold your exact debt.

The above are just a few of the many affirmative defenses. Please note, however, that inability to pay the debt is not normally a legal defense to the debt.

You also have the opportunity here to assert counterclaims, which refers to any wrong-doing by the party suing you under Mississippi debt collection laws. This can get pretty complicated, so it's best to have legal assistance when doing so. Keep in mind that it will be up to you to prove your counterclaims at trial, so be thoughtful about any counterclaims you list. Attach any documents or evidence that supports your counterclaim. If you believe that you can prove your counterclaim(s) you will also need to fill out a “statement of damages” form stating how much money you believe is appropriate for your damages.

4. File the answer with the court and serve the plaintiff

SoloSuit can handle this step for you so you don't need to leave the comfort of your own home

The final step is missed much more often than you'd think. Don't let all the work you've put in so far go to waste! Make sure to file your Answer with the Court and service the suing party.

Here's what you need to do to file your answer.

• Print at least two copies of your Answer.
• Mail one copy to the court.
• Mail the other copy to the plaintiff's attorney.

As mentioned above it's a good idea to keep a copy of your Answer and any supporting documents for your own records. If you don't have access to a printer at home or at work you can try your local branch of Mississippi's public library system or an office supply store for reasonable printing rates. You'll be able to find the addresses you need for both the court and the plaintiff's counsel in the Summons and Complaint you received in the mail.

Settle debt in Mississippi

Want to finally be free of your debt? Take steps to settle your debt for less than you currently owe. Follow these steps to resolve your debt once and for all.

Don’t ignore a debt collection lawsuit

Respond quickly to a summons for a debt collection lawsuit. Filing an Answer with the local court will communicate that you’re prepared to contest the lawsuit. Act quickly. If you fail to file an Answer promptly, you could end up losing your case due to a default judgment.

Submit an initial offer to start negotiating

Start negotiating with your creditors/debt collectors by submitting an initial offer. Your first offer should be to pay 60% of your current balance. Don’t be surprised if your first offer is rejected.

Your debt collector may respond with a counteroffer that you can accept or decline. The goal is simply to negotiate until you reach a mutually acceptable settlement.

SoloSettle can take the hassle out of negotiating. This online tool serves as a “middleman” between you and the debt collector, allowing you to negotiate without having to communicate with them directly. SoloSettle will also handle payment arrangements after you reach a settlement agreement.

Use SoloSettle today to start negotiating.

Document the completed settlement agreement

Be sure to get the final settlement agreement in writing. Having the settlement agreement in writing will protect you from future legal challenges, and it will also prevent the debt collector from seeking a default judgment once negotiations are through.

Use the tips and tricks in the video below, which are from a licensed attorney, to prepare yourself to negotiate debt settlement with creditors and debt collectors.

The statute of limitations on debt in Mississippi prevents legal action over old debts

Debt collectors have a limited window in which they can take legal action against you for unpaid debt. This is known as the statute of limitations. When this time period expires, your debt will remain, but you can no longer be sued. In Mississippi, the statute of limitations is three years for most forms of consumer debt.

So, in other words, Mississippi debt collectors do not have legal grounds to sue over a debt if three years has passed since the last action on an account. This statute of limitations applies to debt related to credit card, medical, and most loans.

Statute of Limitations on Debt in Mississippi

Debt Type	Deadline
Credit card	3 years
Medical	3 years
Student loan	3 years
Auto loan	3 years
Personal loan	3 years
Mortgage	3 years
Judgment	7 years
Source: Miss. Code § 15-1-43 and § 15-1-49

If you’ve been contacted by a debt collector, make sure to validate the debt to ensure that it’s accurate and that it falls within the statute of limitations. If not, you’ll still owe the debt, but your debt collector will be unable to use the legal system to enforce the debt.

When does the statute of limitations begin?

It’s important to know that the statute of limitations begins from the date of your last payment — not the date of the original loan or credit card purchase.

If a debt collector asks you to make a “good faith” payment on your debt, you could restart the clock on your statute of limitations. This gives debt collectors the entire 3-year period to slap you with a lawsuit.

It’s generally best to avoid making payments until you have a game plan for managing your debt.

Other Mississippi debt collection laws protect you

Mississippi consumers are protected from aggressive debt collection practices at both the national and state levels. Here are some of the most relevant Mississippi debt collection laws.

Federal law protects against deception and harassment

Under the federal Fair Debt Collection Practices Act (FDCPA), debt collection agencies are prohibited from engaging in harassing or deceptive practices. Specifically, the FDCPA prohibits debt collectors from:

• Calling prior to 8 a.m. or after 9 p.m.
• Contacting you multiple times per day
• Threatening you with arrest for not paying your debt
• Impersonating law enforcement or a legal representative
• Failing to identify themselves as a debt collector
• Refusing to validate your debt

Violators can face severe fines. If you believe your rights have been violated, document the incident and report it to the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).

Consumers are further protected by the Mississippi Consumer Protection Act (MCPA)

At the state level, consumers are granted protection under the Mississippi Consumer Protection Act (MCPA). This act roughly mirrors the prohibitions of the FDCPA, protecting consumers from unfair or harassing practices at the hands of debt collectors.

However, the MCPA also grants consumers the right to seek damages and attorney’s fees if their rights have been violated.

Debt collectors must be licensed and bonded

Mississippi also requires that third-party debt collectors be licensed and bonded. If you are contacted by a debt collector, they are required to provide you with their licensing information, and this same information should also appear on any official documents.

Find debt relief in Mississippi

Where do you turn if you’re struggling with massive debt? Mississippi debt relief options can help you manage your debt as well as your finances. Here’s an overview of your available choices.

Create a debt management plan

In some cases, you can manage debt on your own by creating a debt management plan. You’ll create a budget, setting aside money to allocate toward your debt. Some consumers tackle their debt from smallest to largest (the “snowball” method), while others start with their biggest debt and work their way down (the “avalanche” method).

Credit counseling agencies can provide advice. Mississippi maintains a list of approved credit counseling agencies that you can choose from, connecting you to reliable support and helping you avoid scams.

Most of the time, a debt management plan will require you to avoid new debt until your old debts are repaid. Make sure you can live without those credit cards for roughly three to five years or until your debt is paid off.

Consolidate debt with a loan or balance transfer card

When you consolidate your debt, you’ll replace multiple monthly bills with a single loan. This can help you by lowering your total interest rate and saving money over the loan term or extending your loan term to shrink your monthly payments.

On the one hand, you may not be eligible for lower interest rates without strong credit. On the other hand, making timely payments on a debt consolidation loan can help you improve your credit as long as you meet your deadlines.

Some credit card issuers offer something called a “balance transfer card.” You can transfer your other credit card balances to this card and then pay one monthly bill. Many issuers offer promotional rates as low as 0% APR for the first year.

As long as you can pay your debt in this time, you can escape your debt without paying a dime of additional interest. But if you miss a payment, your card issuer can revoke the promotional rate and enforce penalty fees.

Settle your debt by negotiating with your creditors

It may sound surprising, but many creditors would be willing to accept a lower payment as long as you pay them right away. Negotiating with creditors can help you eliminate debt for less than you currently owe.

Debt relief companies make big promises to eliminate debt within five years or less. You’ll do this by making payments to a dedicated account. Once this account reaches a certain threshold, your debt relief company will negotiate with your creditor.

The problem is that your credit can still be damaged during this waiting period, and there’s no guarantee that you’ll secure a low enough settlement to justify the fees charged by your debt relief agency.

Instead, SoloSettle provides you with the tool to be your own advocate. Simply use this online platform to submit an offer and negotiate with debt collectors. SoloSettle can even handle payment once an agreement has been reached.

Learn more about how to settle debt in Mississippi in the following video.

File bankruptcy as a last resort

Think of bankruptcy as your “emergency chute.” You only want to take this option if you’ve exhausted all other avenues for resolving and managing debt.

Under Chapter 7 bankruptcy, your assets may be seized to repay your debts. And not all types of debt can be discharged by declaring bankruptcy. Student loans, alimony, and child support will all remain even after filing bankruptcy.

Bankruptcy can also have long-reaching consequences. A bankruptcy filing will remain on your credit report for up to 10 years, which can jeopardize your eligibility for future loans and credit applications.

Take advantage of Mississippi relief programs

As a Mississippi resident, you have access to multiple state-level programs to aid in your financial health. These include:

• County-Specific Low-Income Programs: Search programs by county.
• Mississippi Temporary Assistance for Needy Families (TANF): Benefits and support services for families with dependent children under age 18.
• Mississippi Lifeline: Financial assistance for phone service ($10 to $20 per month).

While these programs are not aimed at debt specifically, they nonetheless help individuals navigate their financial situation for better overall health.

Stop wage garnishment in Mississippi

Unfortunately, if you lose a debt settlement case, the courts can grant your debt collector the right to garnish a portion of your wages to repay your debt. Here’s how to understand your rights and minimize (or prevent) wage garnishment in Mississippi.

Wage garnishment demands a court order

Debt collectors cannot garnish your wages without a court order. This is important in the event that a debt collector starts threatening to garnish your wages in an attempt to coerce you into making a payment.

Wage garnishment can only take so much

Mississippi sets limits on the amount that a debt collector can garnish from your wages. According to Miss. Code § 85-3-4, creditors can only take the lesser of:

• 25% of your disposable earnings
• The amount by which your disposable earnings exceed 30 times the federal minimum wage ($7.25/hr)

Disposable earnings refer to the portion of your paycheck that remains after mandatory withholdings (e.g., federal and state income taxes).

Ways to limit wage garnishment in Mississippi

In Mississippi, you have 30 days to respond to a notice of wage garnishment, which allows you to negotiate an alternative garnishing structure. In addition, certain types of property are exempt from garnishment, including income from disability insurance or worker’s compensation benefits. Residents can also claim exemption based on financial hardship.

Prevent wage garnishment by avoiding a default judgment

Remember: creditors can only garnish your wages if you lose the court case. So don’t lose the case by default judgment. Respond quickly by filing an Answer to the lawsuit, which will give you the chance to tackle your debt before it becomes a legal issue.

SoloSuit makes it easy. Just use the online platform to answer some questions to draft your Answer. Then you can print your Answer and file it with the court — or ask SoloSuit to do so on your behalf.

Draft and file an Answer to avoid a default judgment.

Find the status of your court case in Mississippi

Have you been named in a debt collection lawsuit? Staying on top of your court case will help you understand your next steps. Follow these steps to check the status of your court case in Mississippi.

Find the appropriate court

Mississippi courts are divided into five distinct levels:

• Supreme Court
• Court of Appeals
• Circuit Court
• County Court
• Justice Court

Most debt collection cases are heard in the Justice Court (for cases of $3,500 or less) or County Court (for cases up to $250,000). Knowing which type of court is hearing your case will be helpful in locating your records.

Find your case number

Each court case is assigned a unique case number. You can find your case number on your official court correspondence. Otherwise, you can request your case number from the court clerk. Here is a Mississippi court directory that will help you find the exact location where your case is being heard.

Access your records online

You can access case records online using Mississippi Electronic Courts, or MEC. You’ll need to register for an account, which comes with a $10 registration fee. You also will be charged $0.20 per page for any pages that result in the search.

You can search by case number, the date of the case, the type/location of the case, or the names of the parties involved.

Access your records in person

You can also access your case records in person by calling or visiting the courthouse in which your case is being heard. You can make a request through the court clerk, though there may be a fee to print copies of any court records.

Use these Mississippi legal aid organizations

All states have at least one government-funded organization that provides free legal services to people. In Mississippi, there are a number of legal aid organizations that help residents with legal services when they can't otherwise afford to hire an attorney.

MSLegalServices.org

Mississippi Center for Legal Services
414 South State Street, 3rd Floor
P.O. Box 951
Jackson, MS 39205
Toll-Free 1-800-498-1804

Mississippi Volunteer Lawyers Project
P.O. Box 1503
Jackson, MS 39215
E-mail: mvlp@mvlp.org
Phone: 601-960-9577

Mission First Legal Aid Office
275 Roseneath Street
Jackson, MS 39203
E-mail: info@missionfirst.org
Phone: 601.608.0050

Mississippi Center for Justice
5 Old River Place, Suite 203 (39202)
P.O. Box 1023 Jackson, MS 39215-1023
Phone: (601) 352-2269
Fax: (601) 352-4769

North Mississippi Rural Legal Services
Toll-Free: 1-800-498-1804

Mississippi Pro Bono Resources

Key Takeaways

So, in short, here's the review on how to answer a summons for debt collection in Mississippi.

• Remember your response deadline is 30 days.
• Draft an Answer in the proper format for Mississippi courts, or use SoloSuit's Answer form to automate the process.

To respond to a Mississippi Summons for debt, follow these three steps:

1. Create an Answer document.
2. Answer each issue in the complaint.
3. Assert your affirmative defenses.
4. File and serve the Answer.

Good Luck!

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
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• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act