Start My Answer

How to Beat Northstar Capital Acquisition

Chloe Meltzer | December 02, 2022

Win in court against debt collectors.

Summary: Are you being sued by Northstar Capital Acquisition? Not sure what to do next? Find out how to respond to a debt collection lawsuit and win in court.

Northstar Capital Acquisition is a debt collector that commonly purchases debts from creditors. When this occurs, you may find yourself being sued for that debt. This is extremely common, with around 50% of judgments being from debt-collection lawsuits. When you are sued for a debt, you often find out about it by receiving a summons and complaint. The complaint will explain why you are being sued, and what they are looking to obtain from you. This is often what you owe, but also court costs, lawyer fees, and possibly interest.

You will then be notified of the complaint through the summons. This will be served through the mail or to you directly. This will contain information about how and when you can file your formal response, as well as when you need to show up in court. Most debt collectors believe that you will not show up in court, and bet on this.

You must show up in court. If you do not show up then the debt collector will be given an automatic judgment. This will lead to wage garnishment, liens on your property, frozen bank accounts, and even money being taken directly from your account. This is why you need to respond via an Answer.

Don't ignore debt collectors. Respond fast with SoloSuit.

What to do when fighting Northstar Capital Acquisition in court

If you are being sued for a debt, it is most likely not by your original creditor. Typically debt has been sold multiple times. You may not even recognize the debt because it is so old. This is called zombie debt. Often it is past the statute of limitations that governs how long you may be sued for debt. The length of the statute of limitations varies based on the state you are being sued in. Despite this, on average, it is four to six years. Once that passes, the debt is considered “time-barred.” This means you can no longer be sued. This is a violation of your rights. Despite this, you will still owe the debt, and if you do not pay it, it will continue to lower your credit score.

Ask for a verification letter

Review your records and ask the debt collector for a validation and verification letter. This should be sent automatically, but if it is not, they will be required to send it. From these documents, you should be able to understand who the creditor is, if the amount is correct and if you owe the debt. Often there are errors when it comes to debt and amounts may be incorrect.

Respond to the lawsuit promptly

You will need to respond to a debt lawsuit within 20 to 30 days. The exact date will be mentioned on your summons. If you do not respond then you will suffer from more serious consequences. This includes having your wages, savings, and assets at risk. You will also no longer be able to dispute the debt at all.

Some people choose to work with a lawyer because this process can be complicated. In many cases, a lawyer may provide a free consultation, and take their legal fees if you win. If you win, the debt collector will be required to pay those fees, so it would be a win for everyone. This is not guaranteed though, so it is something you need to consider carefully.

You might want to hire a lawyer to look into defenses you weren't aware of or to help you write out your formal Answer. You may also want a lawyer if you end up going to court. This can help you because the debt collector may not be able to verify the debt and it might get dismissed.

Make the right defense with SoloSuit and win in court.

How to handle your court case

Your hearing will determine whether or not you need to pay, and it will be your chance to work on a defense. Before the hearing, you can also attempt to work out a deal with the debt collector. At this point, you can set up a payment plan and work to make regular payments on the bill, or settle the debt.

Settlements are typically for less than you originally owed and are very common with debt collectors. This is because these debts are often purchased for pennies on the dollar. This provides you with room to negotiate. If you do get a settlement, be sure to get a written agreement that says the creditor considers it settled and that they will report it to the credit bureaus.

Using an affirmative defense

If you do not think you should pay the debt then you can use various affirmative defenses. These might include:

  • Item was purchased, but defective
  • Item was never delivered
  • The debt contract was unenforceable
  • Contract was illegal
  • Forced into a credit contact based on falsehoods
  • You canceled the contract within the lawful time frame

Use SoloSuit to make the right affirmative defense and win your case.

Other affirmative defenses include the statute of limitations, which is one of the strongest you can bring forward. Essentially, the defense of using the statute of limitations means a suit was brought on after the statutory limit has passed. This is known as the most powerful affirmative defense you can have.

Another strong defense is “lack of standing”. This occurs when the debt collector does not have a legal right to file a suit. It can mean that there is no clear ownership of the debt or no obvious change of hands during the assignment. Often this occurs when there is a lack of a paper trail in the sale or assignment of a debt from the creditor to the debt collector.

Finally, if the debt collector has failed to cite the statute and give you enough time to fight the lawsuit, then you can state “failure to state a claim upon which relief may be granted”. This essentially means there is not enough to build a case on.

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 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? We're 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 Defendant's 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 Spouse's 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

You're Drowning in Debt — Here's How to Swim

Help! I'm 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? Here's 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