Dena Standley | November 21, 2022
Summary: Ignoring Helvey and Associates' calls will not make them stop trying to contact you. But there are a few tips to get them off your back, such as sending a Debt Validation Letter to prevent a lawsuit and responding to a lawsuit with a legal Answer. No matter where you’re at in the debt collection process, SoloSuit can help.
The trouble with Helvey and Associates is they do their best to get on your nerves until you pay. Their persistence and harassment can make consumers start paying even without confirming the facts.
So how can SoloSuit help you? Well, we help consumers who cannot afford to hire an attorney to create legal documents, empowering them to represent themselves in court. We can also help you avoid going to court altogether by preventing a lawsuit.
This article will explain how to beat Helvey and Associates at their game. First, let’s explore what Helvey and Associates is and what your fellow consumers think about its services.
Helvey and Associates is a third-party debt collection agency based in Warsaw, Indiana, with multiple offices located across the United States. In business for more than 60 years, Helvey & Associates uses dunning letters, skip tracing services, and credit bureau reporting to get consumers, like you, to pay off debts..
Helvey & Associates’ contact information is as follows:
Address: 1029 East Center Street, Warsaw, Indiana 46580
Phone: 574-269-1726, 855-804-5704
Helvey & Associates, Inc is not an accredited business according to the Better Business Bureau (BBB), but it does have an A- rating as of November 2022. That being said, its BBB reviews stand at only 1/5 stars.
The company has been operational in the debt collection industry for nearly seven decades. Still, consumers are dissatisfied with some of its practices. Below are some examples.
If you feel like you’ve been treated unfairly by Helvey & Associates, Inc., you’re not alone.
Complaints with the BBB and Consumer Financial Protection Bureau (CFPB) demonstrate some of the questionable debt collection tactics the company is willing to employ to get people to pay up.
In these complaints, consumers allege that H&A makes false promises that they would remove accounts from consumers' credit reports if they paid in full, only to turn back and claim it is illegal to do so. They also claim that H&A has been furnishing records to the consumer reporting bureaus without proper notification.
Let’s look at a real example from H&A’s BBB profile:
“I am not liable for this debt with HELVEY AND ASSOCIATES and i do not have a contract with HELVEY AND ASSOCIATES . They were not able to provide me with the verifiable proof of any contract with my signature on it like i asked. this was a account from duke in which it was sent to collection as closed with zero dollars. their failure to positively verify the account has hurt my ability to obtain credit.”
This example suggests that Helvey and Associates failed to validate someone’s debt upon request, which is a violation of the Faird Debt Collection Practices Act. (FDCPA). It’s best to familiarize yourself with debt collection industry laws so you can protect yourself from unfair debt collection practices.
Did you know that a debt collector cannot lie to you? If the consumer quoted above can prove that Helvey and Associates lied to them, they can sue and get compensation.
Under the FDCPA, debt collectors cannot:
If Helvey and Associates know that you are aware of your rights, they will have no choice but to stick to the rules. File your complaint with the CFPB or the FTC if they fail to comply.
Below is an example of how you can win against Helvey and Associates.
Example: Karl, a consumer in New York, kept receiving threatening calls from a debt collector. The caller lied that they were lawyers and that Karl needed to appear in court. After determining that it was a lie, Karl reported it to the CFPB. He also hired a lawyer to sue the debt collector for pretending to be an attorney. To his surprise, Karl did not need to pay the lawyer. When the debt collection company lost the case, they had to pay Karl $1,000 for every violation of his rights. They also covered his attorney's fees.
When Helvey and Associates contacts you, knowing your rights can help you fight back. A great way to prevent a lawsuit with debt collectors is sending a Debt Validation Letter. Keep reading to learn more.
Suppose you allow Helvey and Associates to bully you into paying alleged debts without proper validation. In that case, you could ruin your credit by reviving accounts past the statute of limitations. You might also open yourself up to debt collection lawsuits or pay more than you owe.
The law requires that Helvey and Associates validate every debt they contact you about. However, most consumers who don't know this take debt collectors at their word and fall deeper into the traps.
It's critical to remember that accounts that have gone into collections are prone to errors. The only way to determine if H&A have their records right is by sending a Debt Validation Letter. Check out this video to learn how a Debt Validation Letter can help you:
The letter requires that H&A provide documentation supporting every account entry. They will have to stop contacting you if they cannot prove their claims with proper documentation.
Use certified USPS mail so you can track your letter.
Even though the Debt Validation Letter will not delete valid debts, it lets you get your life back. The calls will stop, at least for some time. You will prove that the debt is not only yours but is also accurate. And you can also prevent a lawsuit.
If the collector does validate your debt and ends up filing a debt lawsuit,, it is not too late to beat Helvey and Associates in court.
Helvey and Associates collect for several credit providers, including the healthcare industry. If you have a debt resulting from medical bills, you typically have more time before the account reaches your credit report.
If you see such debt on your report, H&A has likely bought the account. Most healthcare providers rarely report to the credit bureaus.
Whatever the type of debt, if Helvey and Associates buy it, they may decide to sue you to recover their money (and profit).
If you have received a Summons and Complaint for debt collection, respond to the lawsuit. Do not let Helvey and Associates win because you failed to file an Answer. It takes just three steps, which we’ve explained below. Don’t like reading? Watch this video instead:
The Complaint document that accompanies the Summons lists the plaintiff's claims. Read every accusation carefully and respond to each of them independently. You can:
Some lawyers recommend that you deny everything. This forces Helvey and Associates to prove that you are guilty. If they can’t, there’s a good chance the case will be dropped.
After you’re responded to each claim against you, include a section for your affirmative defenses. This is where you get to tell your side of the story. An affirmative defense is any legal reason that Helvey and Associates’ case is not valid.
You can use a long list of legal defenses according to the US Federal Rules of Civil Procedure, Rules 8(c). Mnay of these legal terms may be new to you, but SoloSuit can help you pick the right ones that apply to your case.
All you have to do is respond to a series of questions about your lawsuit, and SoloSuit will translate your answers into the proper legal wording and format.
Your Answer should reach the court before the filing deadline. Depending on where you live, you have between 14-35 days.
If you use SoloSuit, we can file for you. You should print the Answer document and make two copies if you plan to file yourself. File the original with the court. Send one copy to Helvey and Associates' attorney, and keep one for your records.
The advantage of using SoloSuit to file is that we will have an attorney review your Answer before filing to ensure it meets all legal requirements.
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather