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How to Beat Accredited Collection Services in Court

Chloe Meltzer | December 07, 2023

Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Are you being sued for an old debt? Find out how to beat Accredited Collection Services in court.

Accredited Collection Services, Inc. is a legitimate third-party debt collection agency. They have been buying and collecting debts for almost 40 years. But throughout this time, they have received many consumer complaints. These complaints allege violations of the Fair Debt Collection Practices Act (FDCPA). If you are struggling with a lawsuit from Accredited Collection Services, read on. We may be able to help you beat them in court.

Respond to debt collectors fast with SoloSuit and win in court.

Accredited Collection Services is a Debt Collector

If you have not paid a credit card debt or loan, then your original creditor may decide to sell or assign your debt to a third-party debt collection agency. If you have a lawsuit brought upon you by Accredited Collection Services, then this is the debt collector your debt was sold to.

Use These Tips to Beat Accredited Collection Services in Court

Never Ignore a Debt

The first step in any debt lawsuit is to make sure you do not ignore it. It can be very easy to ignore a lawsuit because you simply do not want to face it. This is the worst thing you can do for yourself because it is not going to go away. Instead, you will be awarded a default judgment, meaning you automatically lose. Your wages can be garnished, money can be taken directly from your bank account, and you may even acquire more debt.

Responding to the lawsuit allows you to negotiate for yourself. Despite this, make sure that you deny all liability for the debt.

Use SoloSuit to respond to debt collection agencies the right way.

Never Accept Liability for a Debt

You will be required to file an official response that denies liability for the money that you owe. This is essential if you wish to fight your debt collection lawsuit in any way shape or form. If you automatically accept liability then you will have accepted full responsibility, and there is not a good chance you will have room to negotiate.

Ask for Proof of the Debt

If you file a denial of liability and the debt collector does not back down, it means you need to follow up with a request. Request evidence of your debt. They will be legally required to provide evidence that they own your debt, they have the right to sue you for the debt, and proof of where it came from.

Proof can come in the form of the original credit receipt or other “chain of custody” paperwork. What happens sometimes is that the debt has gone through many different hands. This means that information may be lost, and it may be impossible to bring forth proper proof.

Choose the Right Defenses to Fight Debt Collectors

There are other defenses you can consider as well. These might include:

  • Mistaken identity
  • Past bankruptcy
  • Fraudulent charges
  • Expiration of the statute of limitations
  • Filing a counterclaim due to violations of the FDCPA by the debt collector

Pick the right affirmative defenses with SoloSuit.

Remember You Have Options

When you face a lawsuit from Accredited Collection Services, it can feel like there is nowhere to turn. It is essential to consider the defenses you may have and always ask for proof. You always have options and do not need to allow debt to control your life.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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