Start My Answer

How to Beat ERSolutions

George Simons | December 12, 2023

Summary: Is ERSolutions suing you for an old debt? Stressed out about how you're going to pay it back? Don't worry any longer. Learn how to respond to ERSolutions and win your debt collection lawsuit.

If you are being bothered by a debt collector such as ERSolutions, you probably are going through a stressful time. Why is this the case? Because ERSolutions and other debt collection agencies may use inappropriate techniques to get you to pay what you supposedly owe to a creditor. That's why ERSolutions may call you all day long to try to get you to pay. They may harass you at work and attempt to connect with you on Instagram and Facebook to get money out of you.

The Infamous Reputation of ERSolutions

ERSolutions is well-known in the industry for using aggressive ways and methods to collect debts from consumers. This debt collection agency is located in the US and it has had several complaints lodged against it, alleging that it has violated the Fair Debt Collection Practices Act. These companies will often do anything to get money out of people because they don't get paid unless they collect money. They will say all sorts of things that could be illegal. You have to just be aware of the rules.

For instance, some consumers say that debt collectors with this company use unfair communication tactics that are against federal law and may try to collect on nonexistent debts! If ERSolutions contacts you, remember that you have legal rights, so respond with care.

If you get unpleasant phone calls and letters from ERSolutions, or have had a lawsuit filed against you, never give up hope. Rather, we recommend that you take action and discover the resources that SoloSuit offers. We have a simple mission: We want to help consumers who have been harassed by debt collectors and debt-collection lawsuits.

To help you, we have placed a lot of time and resources into your work to gather critical information that will help you deal with debt collector lawsuits. When you have this powerful information available, you'll know what you can do and how to protect your rights from shady companies such as ERSolutions.

The debt collection companies want you to think there is no hope of fighting them. But people in this country have rights even when they owe a lot of debts. With proper foresight and planning, you may be able to beat ERSolutions and not pay a dime.

Don't let debt collectors push you around. Respond with SoloSuit.

What To Know About Your Rights When Contacted by ERSolutions

ERSolutions is known to attempt to take advantage of people who do not understand their legal rights under the Fair Debt Collection Practices Act. This law has several regulations that say what debt collectors may and may not do to collect a debt. Some of the rules include:

  • Debt collectors cannot ever contact you at work.
  • Debt collectors cannot use rude and vulgar language when they talk to you on the phone or in letters.
  • Debt collectors are not allowed to threaten you with lawsuits.
  • Debt collectors cannot call you in your house before 8 am or after 9 pm.

How You Can Protect Yourself If ERSolutions Sues You For Debts

If you are sued by ERSolutions, it is smart to respond to the lawsuit as soon as you can. It's not a good idea to ignore the lawsuit and hope it goes away. The lawsuit will still be there and the debt collection company will win by default if you ignore it. There are things you can do to fight the lawsuit and maybe get it dismissed.

Below are some smart things to do when you write your Answer:

  • Never admit that you owe the debt. The debt collection company must prove that you owe the debt. Don't make their job easy for them!
  • File an Answer with the Clerk of Court within 20 or 30 days of receiving the complaint, or whatever the timeline is.
  • Mail your Answer copy to ERSolutions and make sure it was stamped by the Clerk of Court.

Protect yourself from aggressive debt collectors. File a response with SoloSuit.

Try These Effective Affirmative Defenses In Your Answer

To beat ERSolutions at their own game, you need to respond to the lawsuit. You can point out any problems and weaknesses in their allegations. Remember that the debt collector has to prove that you owe them the money they allege in the complaint. This means ERSolutions has to show these things before they can say you owe the debt:

  • The debt collection agency has the right to sue you.
  • You are the one who owes the debt.
  • You owe the money that is stated by ERSolutions in the complaint.

If the debt collection agency does not meet these requirements, you may be able to get the lawsuit thrown out.

Depending on your case circumstances, you could argue that the company did not file the suit before the statute of limitations expired. This is the amount of time someone has to file a lawsuit against someone else.

If the statute of limitations has lapsed, you may file a motion to have the case dismissed with prejudice.

Also, there are other ways that you can beat ERSolutions in court. Try filing a countersuit. If you can prove the company violated the FDCPA, you may be eligible for compensation and have your legal bills covered.

Respond to debt collection lawsuits in 15 minutes with SoloSuit and win your case.

What to Do If You Are Sued by ERSolutions

We've covered a lot here, but here's a fast rundown of what to do if you get sued by ERSolutions:

  • Take careful notes when you receive phone calls before 8 am or after 9 pm. Debt collectors are prohibited from calling you before or after regular business hours. They also cannot call you at work or use foul language.
  • Be sure to file an Answer within the proper time frame.
  • In the Answer, you should raise at least one affirmative defense, such as the company violated the FDCPA. Also, demand that ERSolutions prove that you owe the amount they say. They also need to prove you are the person who owes the debt.

These are effective methods you can use to beat ERSolutions and leave them empty-handed. Also, try to file a counterclaim if you think they 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


Get Started


>>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

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

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.

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.

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.

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.

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.

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.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources