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What is 11 Charter Communications? Resolve Your Debt

George Simons | January 24, 2024

Edited by Hannah Locklear

Fact-checked by Patrick Austin, J.D.

Summary: 11 Charter Communications is the debt collection branch at Spectrum, and you can resolve debt with them, even if you’ve been sued. Respond to the lawsuit with a written Answer where you address each claim against you and assert your affirmative defenses. Then, reach out to settle your debt before going to court. Let SoloSuit file your Answer and start the settlement negotiation process for you.

If you are being harassed by a debt collector associated with 11 Charter Communications, you're probably feeling stressed, frustrated and anxious about the future. 11 Charter Communications, like many other debt collection companies, often use aggressive and problematic tactics to try and compel you to repay the debt you allegedly owe. That's why 11 Charter Communications may call you on your phone multiple times each day, try to connect with you on Facebook, Twitter, or other social media platforms, and they might even send you threatening letters in the mail.

If you are being subjected to this type of harassment, do not give up hope. You have legal options and tools available that can show you how to beat 11 Charter Communications in court. This article will teach you everything you need to know about 11 Charter Communications, your rights as a consumer, and how to win in court.

Let's jump right in.

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What is 11 Charter Communications?

11 Charter Communications is a debt collection company headquartered in Stamford, Connecticut. You may be surprised to learn that 11 Charter Communications is not the actual name of the company that has unleashed debt collectors on you to pursue a purported delinquent account. The actual legal name of the company is Charter Communications, Inc—also known as its brand name, Spectrum.

That's right; 11 Charter Communications is really Spectrum collections agency, or in other words, the branch of Spectrum internet company that's in charge of debt collection.

So, if you see 11 Charter Communications on your credit report, it's probably because you have an unpaid debt with Spectrum internet.

Below is the 11 Charter Communications phone number, address, and other contact info:

Consumers have filed multiple complaints against 11 Charter Communications

Many consumers have filed formal complaints against 11 Charter Communications, alleging their debt collection agents were overly aggressive, levied false threats about criminal charges, and violated numerous provisions of the Fair Debt Collection Practices Act (FDCPA). Specifically, 11 Charter Communications has received nearly 15,000 complaints on its Better Business Bureau profile in the past three years. The bulk of these complaints are related to poor customer service, billing errors, or misleading advertising.

If you have received threatening emails, letters, and/or phone calls from 11 Charter Communications, do not fret. You have legal rights and can take affirmative steps to beat 11 Charter Communications with the help of the tools and insights offered by SoloSuit.

SoloSuit has a simple mission: Help consumers fight unethical debt collectors and their lawsuits. To help you and those like you, we put much time and energy into collecting vital information that can help you understand the processes associated with debt collection lawsuits. When you have this powerful information in your hands, you'll feel more in control against aggressive debt collection agencies such as 11 Charter Communications.

Know your rights when 11 Charter Communications contacts you about a debt

11 Charter Communications is known for attempting aggressive tactics against people who are unaware of their legal rights under the Fair Debt Collection Practices Act. The FDCPA states guidelines and rules that dictate how debt collectors can act. Some of the restrictions on companies such as 11 Charter Communications include the following:

  • Debt collectors are not allowed to contact you at your place of employment.
  • Debt collectors are prohibited from threatening you with a lawsuit.
  • Debt collectors cannot contact you prior to 8:00 AM in the morning or after 9:00 PM at night.
  • Debt collectors cannot discuss your debt with your family members, friends, or coworkers.
  • Debt collectors cannot use rude or vulgar language when talking to you on the phone or in emails or texts.

Another right granted by the FDCPA is your right to receive a debt validation. This is one of the greatest ways to prevent a debt lawsuit and get collectors off your back. Keep reading to learn more.

Make 11 Charter Communications validate your debt

If you receive a collections notice from 11 Charter Communications, you’ll want to take action quickly. Read over the message to determine whether you recognize the amount due and the original creditor, which will likely be a medical facility. If you do, your medical provider probably sent your bill to 11 Charter Communications to handle.

Your next step is to send a Debt Validation Letter. This letter asks the collection agency to prove that you owe money and demonstrate that it has the right to collect it. You should request all of the following in your letter:

  • The name of the original creditor.
  • The amount that you owe.
  • The dates of your treatment.
  • A breakdown of any additional fees.
  • The age of the debt compared with your state’s statute of limitations.
  • Proof that 11 Charter Communications now owns your debt.
  • The company’s debt collection license number for your state.

Once 11 Charter Communications receives your letter, it can’t take any further action against you until it responds. If you don’t hear back, the company probably doesn’t have the evidence you requested.

However, keep a close eye on your credit report to ensure that 11 Charter Communicationsdoesn’t report any negative information. If it does, make sure to dispute it.

Read more: How to Make a Debt Validation Letter - The Ultimate Guide

You can defend yourself if 11 Charter Communications sues you

If 11 Charter Communications can validate the debt, they may sue. If you've been sued for debt, do not ignore the case in the hopes it will just go away. Why? Because the lawsuit will not just magically disappear. In addition, the debt collectors employed by 11 Charter Communications generally expect people to simply ignore the lawsuit and throw it in the garbage.

This accomplishes nothing, except giving the debt collectors exactly what they hoped for. How? Well, if you ignore the debt collection lawsuit, it means 11 Charter Communications will simply file a motion for a default judgment in court and likely get that motion granted (since you never responded). With a default judgment, 11 Charter Communications can garnish your wages, freeze your bank account, and put liens on your property.

The first step to winning your debt lawsuit against 11 Charter Communications is to respond. Here's how.

File an Answer to your debt lawsuit against 11 Charter Communications

Do not make the mistake of ignoring a debt lawsuit. There are options available to take on and defeat debt collection agencies like 11 Charter Communications.

Follow these three tips when drafting your Answer to a debt lawsuit:

  1. Respond to every claim listed in the Complaint.
  2. Assert your Affirmative defenses.
  3. File your Answer before the deadline, and send a copy to the plaintiff's attorney.

Now, let's break down each tip in detail. Don't like reading? Check out this video instead:

1. Respond to every claim listed in the Complaint

When you're sued for a debt, you usually receive court documents called the Summons and Complaint (also known as the Petition in some states, like Texas). The Summons notifies you that you're being sued. The Complaint lists the specific claims against you. You should reply to each claim listed in the Complaint with one of the following responses:

  • Admit—like saying, “This is true.”
  • Deny—like saying, “Prove it.”
  • Deny due to lack of knowledge—like saying, “I don't know.”

Keep in mind that most attorneys recommend denying as many claims as possible. This requires more work from 11 Charter Communications to prove their allegations. If they can't prove the debt, they will probably just drop the case.

Use SoloSuit's free Answer form to respond to your debt lawsuit.

2. Assert your affirmative defenses

When you respond to 11 Charter Communications's lawsuit, you have the chance to torpedo their legal arguments if you have the knowledge of debt collection tactics and laws. Also, remember that the company must prove that you are the person who owes the debt and owe the alleged amount. This means 11 Charter Communications must prove the following:

  • 11 Charter Communications has the right under the law to sue you.
  • You are the person who owes the debt.
  • You owe the money listed by 11 Charter Communications in the complaint filed in court.

If 11 Charter Communications fails to meet these requirements, there are excellent odds you will beat them in court and have the lawsuit tossed out.

Depending on the facts of your case, you might argue that 11 Charter Communications did not file the suit within the required statute of limitations, which varies by state. The statute of limitations states that a lawsuit must be filed within a given timeframe.

If the case facts show that 11 Charter Communications sued you for debts where the statute of limitations lapsed, you may file a motion to have the suit dismissed with prejudice.

Also, think about filing a countersuit against 11 Charter Communications, if you have evidence that proves 11 Charter Communications violated the FDCPA when they contacted you to repay a debt. If you possess proof that 11 Charter Communications violated this law, you may receive compensatory damages. They may have to pay your attorney fees, too.

SoloSuit can help you make the right affirmative defenses, the right way.

3. File your Answer before the deadline, and send a copy to the plaintiff's attorney.

After you've drafted your Answer with the responses to each claim and affirmative defenses, you're ready to submit the document to the court and send a copy to the plaintiff's attorney. The plaintiff is the party that's suing you, or in this case, 11 Charter Communications.

You have 14-35 days to respond to a debt lawsuit, depending on which state you live in. Make sure to respond before the deadline. If you don't, a default judgment may be granted to 11 Charter Communications. Some courts are lenient on deadlines when the defendant, in this case you, does not have an attorney. However, it's still best practice to submit your Answer as soon as possible.

Make sure to send a copy of the Answer to the attorney representing 11 Charter Communications. Their address and name should be listed on the Summons and Complaint documents. Send the Answer via USPS certified mail with a return receipt. This will give you a paper trail that you can use to prove you responded in the correct way.

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

Settle your debt with 11 Charter Communications

After you respond to your debt lawsuit, there is a window of time in which you can work out a settlement plan.

A debt settlement is ideal for people who don’t have enough money to fully repay their debt before their court date. In a settlement, you offer to pay a portion of what you owe in exchange for the company dropping the lawsuit against you and ceasing further collection efforts.

Many debt collectors and creditors will be willing to work with you and may, typically, be wiling to settle for anywhere from 60%-80% of the total debt amount. Some may even settle for less, but it depends on the details of your case, of course.

Watch this video to learn more about how to settle a debt with 11 Charter Communications:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Overview of Actions To Take If You Are Sued By 11 Charter Communications

Here's a quick recap of actions to take if 11 Charter Communications sues you:

  • Answer each allegation listed in the Complaint that 11 Charter Communications is making against you.
  • In the Answer, think about raising at least one affirmative defense, such as the statute of limitations. Also insist that 11 Charter Communications provide proof of the amount you owe and that you are the one who owes the debt.
  • Be certain to file your Answer within the required timeframe, or you will lose the case by default.

Debt collection lawsuits are no fun, but don't despair. With the assistance of Solo Suit, you can beat these shady companies at their own game. And you might even get them to pay compensatory damages if they violated the FDCPA.

Best of luck!

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

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


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