How to Answer a Summons for Debt Collection in South Carolina (2025 Guide)

Edited by Hannah Locklear

No one ever wants to find out that they're being sued for debt collection. These days, with everything else going on, it probably feels like too much to handle. Chances are high that you don't have extra money laying around to hire legal assistance and are unsure how to proceed on your own. It's tempting to ignore your debt lawsuit, but unfortunately it won't go away. And if you don't respond, you are handing victory over to the other side.

The good news is that responding on your own to a debt collection lawsuit doesn't have to be intimidating, whether you're working with SoloSuit or simply armed with more information. In this article we will walk you through the steps to respond to a South Carolina debt collection lawsuit, including deadline information, state forms, and filing fees specific to South Carolina.

(Don't like reading? Watch this video instead.)

Table of Contents

• Deadlines
• Forms
• Fees
• Steps to Respond
• South Carolina Statute of Limitations on Debt
• South Carolina Debt Collection Laws
• How to Resolve Your SC Lawsuit (Real Example)
• Settle Debt in South Carolina
• South Carolina Debt Relief
• Check the Status of Your SC Court Case
• Stop Wage Garnishment in South Carolina
• South Carolina Legal Aid
• South Carolina Courts
• Key Takeaways

You have 30 days to file your Answer in South Carolina

Each state has unique rules regarding the deadline to respond to a debt collection lawsuit. According to South Carolina Rules of Civil Procedure, Rule 12(a) states:

“A defendant shall serve his answer within 30 days after the service of the complaint upon him.”

In other words, the deadline to respond to a debt collection lawsuit is 30 days in South Carolina. The clock starts on the day you were served the Summons and Complaint documents.

If you fail to respond within that time frame, the party suing you (the plaintiff) can request that the Court issue an order in their favor, which is called a default judgment. This judgment will be for the amount they requested in the Summons and Complaint, plus courts costs and attorney fees. If a default judgment is granted, you will have missed the opportunity to contest the amount or any other allegations by failing to respond.

Fortunately, residents of the Palmetto State do not need to be concerned with having their wages garnished by a private debt collector. SC Code § 15-39-420 states that private debt collectors are prohibited from pursuing a wage garnishment order for consumer debt, such as unpaid credit card balances, medical debt, and so forth. However, there are some notable exceptions to this prohibition.

For example, wage garnishment is allowed if you owe money to the government (state or federal). In addition, wage garnishment is allowed if you owe money for unpaid child support or spousal support. Also, wage garnishment is allowed if a valid garnishment order was entered in another state where you previously resided there later relocated to the Palmetto State.

Even though private debt collectors cannot garnish your wages, they still retain the right to file a debt collection lawsuit against you and can obtain a valid, enforceable court judgment to collect on the debt. In many instances, rather than pursue wage garnishment, private debt collectors utilize other collection tactics, such as garnishment of non-wage income, writs of execution and liens.

Use these South Carolina Answer to Summons forms

You can use SoloSuit's Answer form to respond to the lawsuit; it works in magistrate court and other South Carolina courts. It's drafted by professional litigation attorneys and has protected over $100 million for consumers like you.

If you want to do it on your own, and your case is in Magistrate court, you can use court form SCCA/703 from the South Carolina Magistrate courts. The South Carolina Magistrates have civil jurisdiction over legal matters when the amount in controversy does not exceed $7,500. If the amount at issue is more than $7,500, you will have to draft your own response (likely for the Circuit Court) as there is no available online form through the South Carolina court system. We will walk you through that process below, step-by-step.

Alternatively, if you decide to use SoloSuit, we will take care of all of the detail work for you by creating and filing your Answer. We'll just need you to answer a few questions online to get us started. We can then lay out your answers in the proper legal format. Before we file the paperwork on your behalf we'll have an attorney review the completed Answer to verify that everything is in the correct format.

South Carolina courts do not charge an Answer filing fee

Luckily for you, there is no fee to file an Answer in South Carolina. That being said, there are fees for filing other court documents in South Carolina. The fee schedules below outline the South Carolina court filing fees:

• South Carolina Court Fees
• South Carolina Motion Fees

SoloSuit calculates the filing fees for you.

Use these steps to respond to a debt collection case in South Carolina

A South Carolina debt lawsuit is initiated when the plaintiff (the person or company suing) files a Summons and Complaint in court and serves you with copies of the documents. The Summons is the official notification of the lawsuit, while the Complaint lists the specific claims against you.

As we discussed above, the deadline to file a response in a South Carolina debt collection lawsuit is 30 days. It's very important to file your Answer before that deadline expires to preserve your rights in the legal matter and avoid a default judgment.

As such, you need to know the start date to properly calculate your deadline, which is the date that the Summons and Complaint were served. Usually, the plaintiff must file a certificate of service, notifying the court that the documents were properly served and the defendant (in this case, you) have been notified of the case.

The flowchart below illustrates the general timeline of a debt collection lawsuit and ways you can win:

Even though it can certainly feel intimidating to respond to a legal matter on your own, we're here to tell you that it's less complicated than you think.

Follow these three steps to respond to a South Carolina debt collection lawsuit:

1. Answer each issue of the Complaint.
2. Assert your affirmative defenses.
3. File the Answer document with the court, and serve the plaintiff with a copy.

Now, let’s take a closer look at each of these steps. Alternatively, you can watch this video to learn more:

1. Answer each issue of the Complaint

The next step is to answer each issue in the Complaint. In general you should make it a point to directly respond to each and every allegation against you separately, which we'll explain further below.

If you're drafting your own response for Circuit Court, you should answer each numbered paragraph with one of the following three responses:

1. Admit: in other words, “This is true.”
2. Deny: in other words, “Prove it.”
3. Deny due to lack of knowledge: in other words, “I don’t know.”

Make certain that you are using the same number for your response as the number of the paragraph you are answering, so it is clear which response goes to which allegation.

Most attorneys recommend that you deny as many claims as possible, but it won't hurt your case to admit to facts that are true, such as your name or address.

You should deny any allegations that are not true, although you could admit in part and deny in part if the numbered paragraph contains more than one allegation. Finally, feel free to use the final option of “deny due to lack of knowledge” if it is something that you can't independently verify, such as specific information about the debt collection company who is suing you.

Let’s consider an example.

If you're using the Magistrate Answer form, however, you'll need to consolidate your responses together into one of only four responses:

1. Contest the jurisdiction of the court
2. Admit everything in the complaint and do not want a trial
3. Admit responsibility, but not for the total amount claimed because: ____
4. I deny I am responsible at all because: _____

The form provides a few lines for your explanations, if needed, but you can attach additional pages if necessary. We will discuss more of what you might want to expand on in section 3 below.

Also keep in mind that you will need to sign the online form to verify that the “information contained in this answer is true and correct to the best of my knowledge” so it's important to be fully truthful with your responses.

SoloSuit makes it simple to respond the right way.

2. Assert affirmative defenses

This next step is where you get to fight back by asserting your affirmative defenses. Affirmative defenses are any reason you can raise to show that the plaintiff does not have a case against you. This can include factual disputes, such as if your account number or name does not match the one in the pleading, or legal arguments, such as those included in the South Carolina Judicial Branch General Rules of Pleadings rule 8(c), which states:

“(c) Affirmative Defenses; Reply. In pleading to a preceding pleading, a party shall set forth affirmatively the defenses: accord and satisfaction, arbitration and award, assumption of risk, condonation, contributory negligence, discharge in bankruptcy, duress, fraud, illegality, injury by fellow servant, laches, license, misrepresentation, mistake, payment, plene administravit or the administration of the estate is closed, recrimination, release, res judicata, statute of frauds, statute of limitations, waiver, and any other matter constituting an avoidance or affirmative defense. When a party has mistakenly designated a defense as a counterclaim or a counterclaim as a defense, the court shall treat the pleading as if there had been a proper designation. A party may file a reply to any of the foregoing affirmative defenses.”

You can assert any and every one of these affirmative defenses that applies to your case. We will discuss some of the more common affirmative defenses briefly below, but please note that this does not include all the possible choices.

• Payment: This is the ultimate defense to any collection action, because if you can prove you paid the debt in question, that will end the lawsuit. It's more common than you might guess because usually you aren't being sued by your original creditor, rather the plaintiff represents a third-party debt collection debt company who purchased your debt for pennies on the dollar. These transactions tend to be in large bundles, so all of the details for each individual debt/account are not always fully explored by the new owner.
• Accord and satisfaction: This refers to any agreement that you may have entered into with the creditor to pay a lesser amount to satisfy the debt in full satisfaction. Here again this could be a detail that fell through the cracks from the original creditor when the debt was purchased by a debt collection agency. Attach any proof you have of such an agreement to your Answer document.
• The debt was already discharged in a bankruptcy. Once a debt is discharged in bankruptcy then it can no longer be pursued for collection through the legal system. So if you previously filed a personal bankruptcy that included this debt and received a discharge then the plaintiff has no legal case.
• Statute of limitations has expired. A statute of limitations is a law that sets a deadline for legal action. We will discuss the South Carolina statute of limitations on debt collection in more detail later in this article.

Let’s take a look at another example.

Make the right affirmative defense the right way with SoloSuit.

If you are using the Magistrate Answer form this is where you will likely need additional pages if you have checked the box next to response “C” or “D” so that you can list and argue all of your affirmative defenses. If you are drafting your own response, you can create a new section following your responses to Complaint to go through each relevant affirmative defense separately.

Beyond affirmative defenses you can also assert counterclaims against the plaintiff. This could be appropriate in the event that you can show that the plaintiff violated South Carolina debt collection laws. South Carolina follows the federal Fair Debt Collection Practices Act and supplements that protection with the South Carolina Consumer Protection Code to further protect consumers from unfair debt collection in South Carolina. Please keep in mind, however, that counterclaims can be very complex and would be difficult to pursue without knowledgeable legal counsel.

3. File the Answer with the court and serve the plaintiff with a copy

The final step is to file your response with the proper court and serve your documents on the plaintiff to prove that you have responded within the allowed 30 day timeframe.

You should print out at least two copies of your Answer and your Appearance. Whenever possible, it is a good idea to make a third set for your own records. Make sure that you mail the first copy to the Court (use the address from the Summons and Complaint) or file in person at that Court. The other copy needs to be mailed to the plaintiff's attorney.

SoloSuit can file your Answer for you in all 50 states.

>>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.)

Statute of Limitations on debt in South Carolina

The statute of limitations for South Carolina debt collection is three years. This means that any debt collection action for credit cards, medical debt, or ongoing contracts have to be begun before this three year period expires. Otherwise any collection efforts are time-barred because the statute of limitations expired.

Exception: the statute of limitations on judgment debts is 10. So if you lose your debt lawsuit and the collector gets a judgment against you, that judgment is valid for 10 years.

In other words, debt collectors have three years from the last activity on your debt account to take you to court. If they do not file the debt lawsuit within the three-year statute of limitations, the case is invalid, and you can use this as a defense in your Answer.

The table below further outlines the South Carolina statutes of limitations on debt and its different types:

Statute of Limitations on Debt in South Carolina

Debt Type	Deadline
Credit card	3 years
Medical	3 years
Student loan	3 years
Auto loan	3 years
Personal loan	3 years
Oral contract	3 years
Judgment	10 years
Mortgage	20 years
Source: SC Code § 15-3-520, § 15-3-530, and Hardee v. Lynch

Other South Carolina debt collection laws protect consumers

Aside from the statute of limitations, there are other state laws that protect consumers from unfair treatment by debt collectors. South Carolina law defines a debt collector as anyone who regularly contacts consumers to recover money on past-due accounts. Debt collectors must follow the law at all times, this include the following rules:

• They cannot sue you for time-barred debts.
• They cannot harass you by calling too early or too late.
• Debt collectors cannot embarrass you by publicizing your debts.
• They cannot lie.

The Fair Debt Collection Practices Act (FDCPA) outlines the regulations a debt collector must follow.

South Carolina debt collection laws prohibit wage garnishment to satisfy consumer debts. However, they can use other remedies, such as bank account levies and property liens.

Responding promptly to debt collection lawsuits can prevent the creditor from seeking a garnishment order.

SoloSuit helps consumers resolve debt at any stage. It's entirely online, and you use it to communicate with debt collectors, file your court response, force a case out of court, and settle a debt.

How Mason won his credit card debt lawsuit in South Carolina

The following is a summary of Mason's story about how he won a credit card debt lawsuit against Discover credit card.

Mason woke up Monday at 7:00 am to a sheriff knocking on his door. He says, "A sheriff served me with lawsuit papers from this credit card company. And at first, it was nerve-wracking because we were woken up very early."

The papers claimed he owed $5,777 in credit card debt, several times more than he remembered. Plus, it was such an old debt that he wondered why anyone would sue him.

Despite the initial shock, Mason wasted no time. He scoured the internet for help. Fortunately, his search uncovered SoloSuit. That same day, Mason arranged for his Answer to be sent to the court. Mason had 30 days until the deadline but chose to act immediately.

How did the SoloSuit software help Mason?

"Certain websites… just sort of tell you kind of what you should do, but there's no real definitive answer on what's next or what you should do or any guidance on how you should file an Answer or anything like that. I found SoloSuit. So I went through the process. It asked some simple questions on the Summons that I had received: the date, the court… I followed that step-by-step process, which I found very intuitive and easy because it just asked the questions, and it even had images of where that information was located—like case number and the court."

Mason chose the standard package, which lets consumers create the Answer document themselves—afterward, SoloSuit files for them.

Mason used the tracking numbers SoloSuit gave him to track the court filing and check that the opposing attorney also received the papers. Eleven days later, the court had officially filed his Answer. He was elated.

But Discover's attorneys kept pushing.

"After about, I would say, eight days, I received a response from the plaintiff attorney in a nice manila envelope, and they were filing for a Motion for Summary Judgment after receiving the Answer document and after the court had acknowledged them…. I read over the paperwork, and they were essentially submitting the same documents in the Motion for Summary Judgment that they had submitted originally, which I knew were inaccurate or false. They were submitting just a statement of how much was owed to Discover, which was not an accurate representation of when the account was last paid on."

Mason did not ignore the Motion for summary judgment, either. He used SoloSuit to file a Motion to Compel Arbitration. The court received and acknowledged his motion filing and set up a hearing.

When Mason finally appeared before the court, he was still feeling apprehensive, but he was prepared. He had his documents in order and was able to present his case.

The judge ruled in his favor, with prejudice, meaning he can never be sued again for this debt. It was clear that Discover was pursuing an old debt beyond the statute of limitations.

Discover dismissed the case, thanks to SoloSuit.

Hear Mason's full story in the video below:

Settle debt in South Carolina with these three steps

You can request debt settlement in South Carolina before or after a lawsuit begins. Some creditors agree to settle debts to build their portfolios and avoid lengthy court proceedings. Others do so to avoid losing everything, especially if the consumer is high-risk. Debt settlement allows consumers to clear overburdening debt faster and cheaper.

Settling a debt requires you to make a substantial offer—60-80% of the balance. It works if you have a steady income flow. Approach your creditors after you have saved enough to make an offer.

Take the following steps to get the best debt settlement deal in South Carolina.

• Respond to every debt lawsuit with an Answer
• Make an offer to start settlement negotiations
• Get the debt settlement agreement in writing

Here is why every step is crucial.

Step 1: Responding to the debt collection lawsuit with an Answer

Debt collection lawsuits end in default judgments because many consumers ignore the Summons. It's hard to win a case when you never get a chance to defend yourself. Therefore, if you receive a debt collection Summons, respond immediately. Responding sets up the stage for possible negotiations with your creditor.

You will receive a Complaint document with every Summons. Be sure to respond to each complaint on the document. For every claim the plaintiff makes, respond with:

• Admit- means you accept the charges
• Deny - means the plaintiff must prove their accusations or
• Deny for lack of knowledge- means you do not understand the complaint and need further information

Lawyers advise you to deny everything to force the creditor to prove their case.

Afterward, list your affirmative defenses, whether that is a passed statute of limitations, fraud, or a fully paid account. A strong defense can move your creditor to accept debt settlement instead.

Next, file your response with the court. Remember to keep time when filing. You have 30 days in South Carolina.

Step 2: Make an offer to start negotiations

Before making an offer, consider whether you have enough funds. Creditors prefer lump sum payments. Also, you want to avoid defaulting on the offer payment after acceptance.

Determine how much a creditor will accept. Original creditors typically prefer a 60%- 80% offer, but third-party debt collectors may take much less than that.

When you are ready, approach the creditor. Write a short and direct letter expressing your acknowledgment of at least part of the debt, explaining why you cannot afford to pay it in full, stating how much you are offering, and saying when you plan to pay if they accept your offer.

SoloSettle does all of the above for you within the same day. The web app also handles negotiations and documentation throughout the entire process.

Step 3: Get the settlement in writing

Many consumers get duped by debt collectors who pretend to accept a settlement, take the money, and then sue or ask for more because they never agreed to the settlement in writing. Ensure you have a written debt settlement agreement that binds both parties to the terms of the contract.

If you use a debt settlement company, ensure it is a reputable organization. South Carolina laws also protect you from unruly debt settlement companies. They must play by the following rules.

• They must be licensed and ensure continuous employee training (SC Code § 37-7-105).
• They should not charge exorbitant fees.
• They should not make unreasonable, deceitful promises.
• They should rovide a contract for every agreement reached (SC Code § 37-7-110).
• They must pay penalties if they violate any of the outlined laws (SC Code § 37-7-118).

Thousands trust SoloSettle for its easy-to-use interface, efficiency, active approach, and built-in legal protection when communicating with creditors. To learn more about these three steps, watch the following video:

Get Debt Relief in South Carolina

Many consumers feel defeated when debt becomes an unrelenting burden instead of a way out of their financial problems. The stress affects all areas of their lives. South Carolinians are familiar with the debt crisis. According to a May 2022 Federal Reserve Bank of New York report, South Carolina residents struggle with more delinquent debt than the national average.

Seeking debt relief in South Carolina may help, especially if you struggle with the following:

• Are barely keeping up with minimum repayments
• Hardly meeting your basic needs because of too many debt obligations
• Despite your best efforts, your debt is not decreasing
• Filing bankruptcy has been on your mind

South Carolina has many debt relief programs for those who qualify. Some are free, while others require a small fee.

Use credit counseling programs

Credit counselors offer guidance on debt management. If you use a reputable company, they will help you review your finances and develop a customized plan to recover from debt.

Below are some examples of reputable credit counseling organizations in South Carolina.

• Origin in Charlton
• Consumer Credit Counseling Service of Beaufort
• United Ministries in Greenville

You can find more recommendations from The National Foundation of Credit Counseling.

These programs provide avenues to evaluate your credit, debt, and budget to determine your needs. The counselor then helps you weigh your best choice—debt settlement, debt consolidation, or bankruptcy options. Once you pick an option, the company may work with you to implement it or refer you to another reputable organization.

Debt consolidation

Debt consolidation allows you to pay off your debts at a lower interest. It does minor damage to your credit score compared to bankruptcy and debt settlement.

You can consolidate debt using several ways:

• Credit transfer: Consumers with good credit scores typically have access to low interest rates. If that applies, you may qualify for a 0% APR balance transfer credit card. The credit card company lets you move all your debts to the new card. The 0% APR introductory period lasts 12-24 months. You can save hundreds of dollars if you pay off the debt within that period.
• Lower-interest personal loans: Consumers with high interest rates can find relief by seeking lower-interest loans to pay off current debts. You will save considerable money if you can get a 5%-10 % APR with favorable repayment terms.

Remember that monthly repayments may be higher if you want to pay off debts before the rates increase.

South Carolina's special assistance programs

South Carolina residents struggling with debt may qualify for the following financial assistance programs:

• SC Appleseed
• Temporary Assistance for Needy Families (TANF)
• Supplemental Nutrition Assistance Program (SNAP)
• Food and Nutrition Programs
• South Carolina Family Independence
• Private Student Loan Relief

As you seek debt relief, remember to respond to debt collection calls and lawsuits to avoid unreasonable consequences such as default judgment.

Find your court case in South Carolina

South Carolina residents can look up their court cases on the state's judicial branch website, in person at the courthouse, or by requesting copies from the National Archives and Records Administration (NARA). You should be able to provide some case details to access the files.

To narrow the search, you may also need a basic understanding of how the court system works.

South Carolina civil court system

Four levels of courts deal with civil cases in South Carolina.

• Supreme Court
• Court of Appeals
• Circuit Courts
• Magistrate Court

The Supreme Court and Court of Appeals both take up cases that have been appealed from lower courts. The Circuit Court has jurisdiction over civil cases in South Carolina, no matter their monetary value, and cases that have been appealed from the Magistrate Court. The Magistrate Court tackles small claims cases that involve $7,500 or less.

How case numbers work in South Carolina

South Carolina has used a uniform case numbering system since 1974. Each case number identifies the year, court (CP, GS, DR, or JU), county code (number), and the sequential number of that case assigned throughout the year. For example, case number 2024-CP-23-004567 would be the 4,567th Common Pleas case filed during 2024 in Greenville County.

All counties' numeric codes are available on South Carolina's Rule of Civil Procedure website.

Access court records online

South Carolina judicial branch has an online case lookup tool. Visit the website, select your county, agree to terms, and search. To search, you must enter some of the following information:

• Case number
• Case type
• Case name
• Business name
• Action type
• Filing date

You may further narrow your search by entering the court and division where the case is filed.

Visit the South Carolina courthouse

If you need to know your court's address, the SC judicial branch has compiled a list.

At each divisional clerk's office, South Carolina residents have public access to computer terminals in Charleston, Columbia, Florence, and Greenville. Searches require case numbers, party names, or filing date ranges. You'll pay for printing per page.

The clerk's office can provide copies at a small fee. Certified copies cost slightly more. You must be present in person or via written request to access the records; a phone call is not allowed because of the prepayment requirement.

Obtain copies from the National Archives And Records Administration

The fee to retrieve the first box of records is $64 and $39.00 for each additional box. The request must include the case file's Accession Number and Location Number.

You can always stop debt collection lawsuits by responding with SoloSuit's Answer. You can also settle the debt before it's too late.

Stop wage garnishment in South Carolina

South Carolina wage garnishment law favors consumers more than other states. The court cannot order employers to withhold payment for consumer debts.

Courts can only order garnishment for debts for federal government debts, child or spousal support, and those with a judgment and withholding order from a state you previously resided in. Additionally, South Carolina does not require employees to honor out-of-state wage garnishment orders.

Consumers can stop wage garnishment by using the law:

South Carolina wage garnishment statutes

The South Carolina Consumer Protection Code governs wage garnishment. Below is an overview of the statute:

• Consumer debts, such as credit cards, consumer leases, auto loans, and medical bills, cannot be garnished
• Back taxes do not require a court order to garnish wages
• Child and spousal support debts can attract garnishment
• Employers cannot terminate employees due to garnishments

Even if a debt qualifies for garnishment, some of your income is exempted.

• The court can only grant a withholding order on earnings over 30 times the weekly minimum hourly wage.
• Supplemental Security Income, benefits for disabled people, unemployment benefits, and Social Security are exempt.
• Income from child support or alimony is generally exempt.

Consider how to stop wage garnishment in South Carolina below.

Stopping wage garnishment in South Carolina

If someone is illegally garnishing your wages or the garnishment is causing your family undue stress, you can find a way out.

• Apply for bankruptcy
• Apply for exceptions
• Dispute the order

Resolve your debt in South Carolina before your wages are garnished with SoloSuit. Communicate fearlessly with debt collectors and promptly respond to debt collection lawsuits even without prior experience.

South Carolina legal aid organizations can assist you

Every state has at least one government-funded organization that provides free legal services to people who cannot otherwise afford it. In South Carolina you can check out either of the below organizations:

• South Carolina Legal Services
• South Carolina Appleseed Legal Justice Center

South Carolina court locations

Go here for a list of South Carolina Court Locations: South Carolina Court Locations

Key Takeaways

In short, here's a quick review on how to respond to a Summons for debt collection in South Carolina.

• You have 30 days to file an Answer to your debt lawsuit in South Carolina.
• South Carolina courts do not charge a filing fee.
• Use the SoloSuit Answer form to draft and file your response in minutes.
• In your Answer document, respond to each claim against you and assert your affirmative defenses.
• File the Answer with the court, and send a copy to the opposing party.
• The South Carolina statute of limitations on debt is three years.

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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• 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