Start My Answer

How to Beat Bay Area Receivables

Dena Standley | November 07, 2022

Beating Bay Area Receivables in court feels like this ^^

Summary: Bay Area Receivables (BAR) is a debt collection agency that will not hesitate to sue you for past-due debts. BAR doesn’t have the greatest reputation, so it’s important to know your rights when dealing with its debt collection representatives. Use SoloSuit to fight off BAR debt collectors and win in court.

A debt collection agency can purchase your debt if you've fallen behind on payments for months or years. Many companies find chasing unpaid accounts difficult, so they sometimes hire an individual or company to follow up on it or sell the debt. Bay Area Receivables is one company that buys long-standing debt, usually for pennies on the dollar.

Third-party agencies are a special breed; their only concern is collecting your money using whatever tactics they can find. They use these methods to harass and pressure you into paying—but the law protects you as the consumer. Today, SoloSuit will share the following information to help you beat Bay Area Receivables:

  • How Bay Area Receivables operates
  • Your legal rights when dealing with them
  • How to respond to a lawsuit in case they sue you
  • How to settle the debt outside court

Let’s dive right in.

What is Bay Area Receivables, and how does it work?

Bay Area Receivables (BAR) is a third-party debt collection agency that helps collect for commercial and consumer businesses, medical accounts, and legal debts. Among their specialties are activity reporting, credit bureau reporting, litigation services, debt recovery, competitive rates, pre-collection programs, and online payment options

According to Better Business Bureau (BBB), Bay Area Receivables Inc. was established in 1989 and serves the Delmarva Peninsula and surrounding areas of Maryland. The company acquired Delmarva Collection Inc. in July 2020.

BAR is also known for purchasing old debts from creditors at a discounted rate and reaching out to consumers to collect the full debt amount.

Bay Area Receivables can be contacted at the following:

714 Eastern Shore Drive, Salisbury, Maryland 21804
P.O. Box 3535 Salisbury
Phone: 410-860-1600
Website: bayareareceivables.com

Are there any complaints against Bay Area Receivables?

Yes. As of 2022, the Better Business Bureau website reports 33 complaints against Bay Area Receivables in the last three years, with less than half of those complaints being resolved. The Consumer Financial Protection Bureau (CFPB) website has received more than 100 complaints against Bay Area Receivables, Inc. over the past ten years, ranking 977 for reported complaints. The following is a recent complaint in the CFPB database regarding their operations:

“I have filed collection disputes with credit bureaus, with documentation showing the debt was paid before going to collections. The company refuses to remove debt despite the receipts and invoices of amounts paid.”

Know your rights when Bay Area Receivables contacts you

It is illegal for BAR to harass or threaten you when collecting a debt under the Fair Debt Collection Practices Act. Also, the CFPB's new Debt Collection Rule went into effect on November 30, 2021.

It clarifies what information the debt collectors must provide at the start of collection, how consumers can exercise their rights, and how to communicate with Bay Area Receivables. Part of your rights is the legal authority to send Bay Area Receivables a Debt Validation Letter.

The Bay Area collection company must show proof of your debt after receiving the letter. More advantages to sending the letter include:

  • You will know precisely what you owe–or you may owe nothing if they can’t prove the debt belongs to you.
  • It may put an end to them harassing you by phone and email.
  • It forces them to report the disputed debt, which may improve your credit score.
  • They may give up pursuing the debt after receiving the letter.

Other consumer rights under the FDCPA that protects you from BAR are:

  • Debt collectors cannot call you multiple times a day for the same debt.
  • Debt collectors must identify themselves and answer all your questions.
  • Debt collectors cannot call your friends, colleagues, or family members regarding your debt.
  • Debt collectors cannot threaten to confiscate your documents.
  • Debt collectors cannot threaten you with arrest or a lawsuit.
  • Debt collectors cannot use vulgar or abusive language when discussing your debt with you.
  • Debt collectors cannot call you before 8 a.m. or after 9 p.m.
  • Debt collectors cannot pretend to be attorneys, government agencies, or the police.

Use these steps to respond to Bay Area Receivables lawsuit

In cases of nonpayment, BAR may sue you, and it's essential to answer any lawsuit against you, regardless of whether or not you owe the debt. You have 14–30 days to reply once you receive a Summons and Complaint. If you (the defendant) don't respond or fail to show up in court, Bay Area Receivables (plaintiff) can seek a "default judgment" against you (Federal Rule 37(b)(2)(v).

A default judgment is a ruling by judges or courts that favors a plaintiff. For example, Bay Area Receivables can try to garnish your wages or access your bank accounts. A concern consumers have is whether they can vacate the default decision. The short answer is Yes. But you must give valid grounds for not attending court or ignoring Summons.

The following are steps to help you respond in good time with a strong defense. Don't like reading? Check out this video instead:

1. Answer each claim listed in the Complaint

When you receive the Summons and Complaint, read it carefully. As you read the Complaint, you will notice that the allegations are divided into consecutive paragraphs. Respond to each section of the Complaint with the exact number provided. You can use the following three responses:

  • Admit—”this is true.”
  • Deny—”prove it.”
  • Deny due to lack of knowledge—”I don’t know.”

Most attorneys recommend that you deny as many claims as possible. This forces BAR to prove their claims are true, and if they can’t, the case will likely be dismissed.

Let’s consider an example.

Example: Sue is being sued by Bay Area Receivables for an old credit card debt. She uses SoloSuit to respond to the lawsuit. In her Answer document, Sue denies the majority of the claims against her. When BAR receives her Answer, they realize the don’t have all the necessary documentation to prove their claims, so they decide to dismiss the case voluntarily.


Use SoloSuit to draft your Answer in minutes.

2. Assert your affirmative defenses

Your responses in step one state your denials of the claims made. But you must also list your affirmative defenses that excuse or justify why BAR should lose the case. For instance, if you state the statute of limitations as a defense, it limits the time Bay Area Receivables has to sue you to collect the debt.

If you skip a debt payment, the clock starts ticking towards expiry (unless you begin repayments), and your unpaid debt becomes "time-barred" once the statute of limitations expires. For example, California's statute of limitations on debt is six years.

Other affirmative defenses to debt collection cases are:

  • You do not own the debt account.
  • Your debt to the creditor has been canceled, so you are not responsible for it.
  • There was a payment or an excuse for the debt.
  • A partial payment was made on the debt.
  • You were a co-signer but unaware of your obligations.

Now, let’s consider another example.

Example: When Todd gets sued by Bay Area Receivables for an old debt in Maryland, he is shocked. After doing some research online, Todd learns that the statute of limitations on credit card debt is only three years in Maryland. He checks the last activity on the debt account and realizes the account has been inactive for almost four years. Todd uses SoloSuit to draft an Answer to the lawsuit, where he uses the expired statute of limitations as an affirmative defense. The case gets dismissed, and Todd is off the hook!


Make the right defense the right way with SoloSuit.

3. Send a copy of the Answer to Bay Area Receivables and file it in court

When you have completed your Answer document, file it immediately with the court. You can take it in person, mail it, or file it electronically if the court permits. Make an extra copy of the Answer document and send it to Bay Area Receivables' attorneys. To ensure delivery, send a certified copy of the Answer by USPS with a return receipt.

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

Negotiate a debt settlement with Bay Area Receivables

It costs money for the collection agency to contact you by letter, phone call, email, or text message. Consequently, the agency is anxious to get you to pay part of the debt owed, and they may be willing to negotiate.

Here is an example of how a settlement works.

Example: You owe your credit card company $2,000, and Bay Area Receivables buys the old account for $600 after a charge-off. BAR contacts you to pay the debt, and you fail to deliver. A few months later, BAR files a lawsuit against you. As you search online, you discover SoloSuit’s Debt Lawsuit Settlement Letter can help you enter a settlement agreement with BAR. After several rounds of negotiations, BAR settles for $1,000. They still profit even though you only pay half of the original debt.


Check out this video to learn more about how to negotiate a debt settlement with Bay Area Receivables:

What is SoloSuit?

With SoloSuit, you can fight debt collectors easily. SoloSuit allows you to respond to debt collection lawsuits, send validation letters to collectors, or even settle debts. The SoloSuit Answer service is a web app that guides you through the entire process. Once your document is complete, we will have an attorney review it and file it for you.

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


Get Started


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


>>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 your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court