Start My Answer

How to Beat General Revenue Corporation

Dena Standley | August 16, 2022

When you beat General Revenue Corporation ^^

Summary: Is General Revenue Corporation suing you for a debt? SoloSuit can help you take a stand and win in court.

Do you have a pending student loan? Has General Revenue Corporation contacted you yet? If not, expect a call from them soon if you do not make plans to pay your student loan debt.

General Revenue Corporation (GRC), a subsidiary of Navient Corporation, is a student loan servicing organization and debt collection agency headquartered in Mason, Ohio. GRC specializes in student loan debt collection, working with colleges and universities of all sizes.

GRC is committed to aggressively collecting their debt and may sometimes use illegal means to get you to pay, such as:

  • Talking to your relatives about your debt.
  • Threatening you with arrest.
  • Calling countless times a day.
  • Giving you misleading information about the debt.
  • Using abusive language.

If you are a victim of any of these practices, you're not alone. Here's everything you need to know about General Revenue Corporation, your rights, and how to beat the company.

GRC has received many complaints

GRC has been in business for over 40 years and is Better Business Bureau (BBB) accredited with over 78 complaints submitted to its profile.

Let's take a look at a real complaint from the complaints board:

GRC contacted Laura about her daughter's debt. The agent told her he was not supposed to call her but still needed to find her daughter. She demanded to know why he was calling her and that he violated her daughter's privacy rights. The GRC agent continued to say that he would call her entire family and friends until he reached her daughter to collect the debt.

If you experience such mistreatment, report GRC to the Fair Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB), where legal action will be taken against them.

GRC may also add the debt to your credit report, harming your credit score. Let us look at how you can remove GRC debt from your credit report.

Request a debt validation

If GRC contacts you, they most likely have entered the debt on your credit report. The Fair Debt Collection Practises Act requires debt collectors to send more information about the debt they are collecting. Request GRC to verify the debt by sending a Debt Validation Letter. The validation notice they send back should include the following:

  • The entire amount you owe.
  • Full details of the creditor.
  • A statement showing that the debt will be assumed valid by GRC unless you dispute it within 30 days of GRC contacting you.
  • A statement that GRC will further verify the debt if you write to dispute or request for more information about the debt.

You can also request them to attach the last billing statement to confirm the age of the debt and whether it has passed the statute of limitations. Watch this video for more information about sending a Debt Validation Letter.



Dispute the debt with the credit bureaus

Once you receive the validation notice, request your credit report from Experian, TransUnion and Equifax. Compare and note down any discrepancies. If you find conflicting information or an incorrect amount, dispute the debt with the credit bureaus. The table below gives you the credit bureaus' contact information.


Credit Bureau Contact Information

Bureau

Contact Information

Equifax

Equifax Information Services
P.O. Box 740256
Atlanta, GA 30374-0256

Phone: (888) 298-0045
Website

Experian

Experian
P.O. Box 4500
Allen, TX 75013

Phone: (888) 397-3742
Website

TransUnion

TransUnion LLC
P.O. Box 2000
Chester, PA 19016-2000

Phone: (800) 916-8800
Website



Sometimes the debt information may be accurate, but the entire debt may not be yours, or you had already paid it. Gather all evidence showing this information and send it to GRC and the credit bureaus. They will investigate and either remove or correct the debt.

Request for goodwill deletion

In some situations, you may have paid the debt on the credit report, but GRC changed the status from unpaid to paid. As much as this is a better entry, it still impacts your chances of getting a new line of credit because lending institutions will see it. You can politely request GRC to remove the debt from your report, giving the valid reasons why you had defaulted and how you finally cleared the debt.

Enter a pay-for-delete agreement

If you have confirmed with a Debt Validation Letter that the debt is yours, you can enter an agreement with GRC that they delete the entire debt from your credit report once you pay part or the entire debt. You can also negotiate for a lower debt payment because GRC may have gotten the debt for pennies on a dollar.

What if GRC is suing me?

If General Revenue Corporation is suing you, don't panic. SoloSuit can help you represent yourself and beat GRC in court. Here's how.

The first step to beating GRC in court is to respond to the lawsuit. When you're sued for a debt, you should receive court documents notifying you of the suit. These documents are called the Summons and Complaint (also known as Petition in some states). The Summons notifies you of the case information, while the Complaint lists the specific claims being made against you. You should respond to the Summons and Complaint as soon as you receive it by filing a written Answer with the court.

Here are six tips to follow when drafting your Answer:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing GRC to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that GRC should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to GRC. At the end of your Answer document, include a certificate of service when you verify the address you used to serve GRC the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

Learn more about these six tips in this video:



SoloSuit can help you send the required documents when you receive a lawsuit from GRC. The first document you need to send is an Answer. If you fail to send it within 14–30 days, GRC may receive a default judgment. After sending the Answer, you can use our other documents to request that GRC settle the debt out of court.

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