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How to Beat Asset Recovery Solutions

George Simons | December 08, 2023

Summary: Is Asset Recovery Solutions suing you for an old debt? Don't ignore them! And don't give up! Learn how you can beat them in court!

Getting harassing phone calls and letters from a debt collector such as Asset Recovery Solutions is upsetting and stressful? How come? Because Asset Recovery Solutions, like other major debt collection organizations, will use inappropriate and unethical methods to try to get you to pay what you supposedly owe. Asset Recovery Solutions may call you all day long, try to connect with you on social media, and send you nasty letters.

The Negative Reputation Associated with Asset Recovery Solutions

Asset Recovery Solutions has a poor reputation for using unethical and aggressive methods to collect debts. The agency works in the United States and has been the subject of many complaints by consumers who allege serious violations of the Fair Debt Collection Practices Act.

For instance, some consumers have filed complaints with the Better Business Bureau and/or the Consumer Financial Protection Bureau indicating that debt collectors with Asset Recovery Solutions tried to communicate with them in ways that are against federal law, such as contacting them at work, contacting them online through social media, or even contacting friends and relatives. They sometimes try to collect money that you do not even owe. If you ever got a call, letter, or email from Asset Recovery Solutions, you should be aware of your rights before you say anything and agree to make any type of repayment.

If you get annoying phone calls and letters from this debt collector or have gotten sued by Asset Recovery Solutions, don't give up hope. There are specific ways to respond to debt collectors and defenses you can raise to combat a debt collection lawsuit filed by Asset Recovery Solutions. The one thing you should not do is simply ignore the debt collection lawsuit. Why? Because ignoring the lawsuit is effectively raising the white flag of defeat. The debt collector will then file a motion to get a Default Judgment against you. At that point, they will be able to seize your assets and even garnish your wages.

Don't let debt collectors win a default judgment. Respond with SoloSuit.

Knowing Your Rights When Asset Recovery Solutions Contacts You For Debt Repayment

Asset Recovery Solutions is notorious for trying to take advantage of consumers who may not know their rights under the Fair Debt Collection Practices Act. The FDCPA lays out rules and regulations that state what debt collectors can and cannot do. Some of the restrictions on companies such as Asset Recovery Solutions include:

  • Asset Recovery Solutions is not allowed to call or contact you at work.
  • Asset Recovery Solutions is not allowed to use vulgar language when contacting you by phone, email, text, or mail.
  • Asset Recovery Solutions' collectors cannot make threats about a lawsuit.
  • Asset Recovery Solutions cannot try to call you at your house before 8 AM or after 9 PM.

Many consumers are unaware of the rules that debt collectors must follow. Debt collectors know most people are ignorant of the provisions of the FDCPA. But once you know the rights that you have, you have a better chance of beating any lawsuit filed against you.

File a response to debt collection lawsuits fast with SoloSuit.

Defending Yourself Against Asset Recovery Solutions

If you get sued by Asset Recovery Solutions, it's vital to respond. Do not ignore the lawsuit and hope it disappears. It will not go away. If you do not respond, you are giving up and allowing Asset Recovery Solutions to win. There are things you can do to beat them at their own game!

Instead of ignoring the lawsuit, here are things that you can do in your Answer:

  • Never admit that you owe the alleged debt. Asset Recovery Solutions must prove that you are the one who owes the debt.
  • File an Answer with your local Clerk of Court in the proper time frame. Usually, you need to respond within 20 or 30 days.
  • Mail your Answer that the Clerk of Court stamped to Asset Recovery Solutions.

Possible Defenses to Utilize In Your Answer

When you give an Answer to the debt collection lawsuit, you have the chance to point out any deficiencies with the allegations in the suit. Also, remember that debt collectors must prove that you owe them money they claim in the complaint. This means Asset Recovery Solutions must show the following things before you are proven to owe the debt:

  • Asset Recovery Solutions has the right to sue you.
  • You are the person who owes the debt.
  • You owe the exact amount alleged in the complaint.

If Asset Recovery Solutions cannot prove the above, there is a high probability you will win in court. You could get the lawsuit thrown out.

Depending on your case, you could say that Asset Recovery Solutions was unable to file the suit within the statute of limitations. The statute of limitations is the time limit a person or entity has to file suit against someone else.

If the facts of your case show that Asset Recovery Solutions sued you and the statute of limitations expired, you may file a legal motion to have the suit dismissed with prejudice.

There are other ways to win against Asset Recovery Solutions in court. Consider filing a countersuit, if you possess evidence that Asset Recovery Solutions is in violation of the FDCPA. If you have proof, you may be eligible for compensatory damages and to have your legal fees paid.

Use SoloSuit to make the right affirmative defenses and win in court.

What to Do If Asset Recovery Solutions Takes You to Court

Here's a summary of what to do if you have a debt collection lawsuit filed against you:

  • Write down details of any phone calls from the debt collector before 8 AM or after 9 PM. Also, note if the debt collector contacts you at work or uses offensive language.
  • Be sure to file an answer within the timeframe the Court gives you.
  • In the Answer, think about raising one or more affirmative defenses, such as the statute of limitations. You also should insist that Asset Recovery Solutions gives you the proof of the amount owed and that you are the one who is legally responsible for the debt.
  • Consider filing a counterclaim if the debt collector violated the FDCPA.

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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