How to Beat Prince Parker and Associates

Dena Standley | August 02, 2023

Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Prince Parker and Associates is a debt collection agency that collects on behalf of companies and organizations in many different sectors. If Prince Parker is contacting you about a debt, request that they validate it with a Debt Validation Letter. If the matter escalates to court, respond to your debt collection lawsuit against Prince Parker with a written Answer.

Prince Parker and Associates is not just any debt collector. The company is licensed and bonded in every state. So wherever you are in the United States, you should not be surprised if they contact you.

Add to that the fact that it collects debts for credit providers across different industries, and the probability of hearing about them increases. Prince Parker's clients include telecommunications, hospitals, digital and print media marketing, and utilities.

But you should not feel intimidated because Prince Parker is a big company. You can be equal to the task with some information and a few tips.

So, how does Prince Parker operate?

Is Prince Parker a scam?

No. Prince Parker and Associates, also called Prince Parker or PPA, is a legitimate debt collection agency headquartered in Charlotte, North Carolina. The agency collects for companies and organizations in the following industries: medical groups, hospitals, telecommunications, communications satellite, internet broadband, digital and print media marketing, utilities, and more.

Prince Parker has been BBB accredited since April 2017. Below is the contact information for Prince Parker & Associates:

Physical address: 8625 Crown Crescent, CT #200, Charlotte, NC 28227
Post office address: P. O. Box 474690, Charlotte, NC 28247-4690
Phone: 704-841-2424

Keeping Prince Parker’s post office and mailbox address on hand is a good idea because it is the best mode of communication with any debt collector, and you keep better records when you correspond in writing. PPA cannot discuss your debt via email.

Use USPS-certified mail with a delivery confirmation request to know when PPA receives any communications from you.

Sued byt Prince Parker? Use SoloSettle to settle before going to court.

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Prince Parker's consumer reviews

Although it is a nationwide company, consumers don't seem to think highly of Prince Parker. As of 2022, the average for customer reviews on Google is 1.9 stars from 124 reviews.

PPA’s reviews on BBB average 1.25 out of five stars. They have received 50 complaints on their BBB profile in the last three years.

The CFPB has received nearly 200l complaints against Prince Parker too. Many disgruntled consumers are unhappy with PPA's credit reporting.

One said,

"I checked my credit report and noticed I had a collection from Prince Parker that was opened on 04/25/2022 for $2,144 ...that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them…."

If you have a similar complaint as this consumer, you should take two steps. First, send PPA a Debt Validation Letter. Then dispute the entry with PPA and the credit reporting bureaus.

How does the Debt Validation Letter work?

A Debt Validation Letter forces the debt collector to provide documentation for the account. You should send the letter to the debt collector as soon as they first contact you.

The letter puts PPA's collection efforts on hold until they can prove the debt is true and accurate.

Send a Debt Valid Letter to Prince Parker and Associates in minutes.

The letter formally asks Prince Parker to provide details such as:

Amount of debt.
Name of and address of the original and current creditors.
Signed documents, receipts, and payment history.

You have 30 days after PPA contacts you to ask for validation. Otherwise, they will assume the debt is valid.

Let's take a look at an example.

Example: Prince Parker & Associates keeps contacting Tammy about an old medical debt that she thought was already paid off. Tammy sends a Debt Validation Letter to PPA because she suspects they have incorrect information. After some investigating, PPA realizes that the debt was paid off years ago and the documents they were given from the hospital were out of date.

Check out the video below to learn more about how a Debt Validation Letter can help you beat Prince Parker:

If PPA reports erroneous information to your credit, you can dispute it.

Dispute errors in your credit report

The FTC advises you to dispute any mistakes you notice in your report. Errors can affect your credit health. They determine whether or not you can access affordable credit, rent a house, get a job, or get insurance approval.

You are usually allowed one free credit report a year from all three major consumer reporting bureaus at AnnualCreditReport.com. However, US citizens can now get free weekly access through December 2023.

If you identify an error, dispute it by sending a letter to the bureau that reported it. Here are their addresses:

Experian
P.O. Box 4500
Allen, TX 75013

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

Learn how to create a credit report dispute letter.

Afterward, dispute the error with the company that provided that information. In this case, PPA. Use the address above to communicate with PPA.

If Pince Parker determines that they erred, they will inform the bureaus and rectify the mistake. If the error resulted from identity theft, you should report it to identitytheft.gov.

Let us see what more rights you have when facing debt collectors.

Assert your FDCPA rights

It is common for debt collectors to take advantage of consumers' ignorance. Let Prince Parker know that you know what they can and cannot do when they contact you.

For example, the caller must:

Identify themselves.
Identify who they represent.
Positively identify you.

They should not:

Call you repeatedly.
Use foul language when speaking to you.
Ask you to pay a debt that is not yours.
Report false information to your credit report.
Pretend to be government agents.
Pretend to be a lawyer.
Threaten to arrest you; because owing money is not a criminal offense.

A debt collector who is not compliant is liable to the government. You can sue them for compensation.

Make your FDCPA demand letter.

Finally, what should you do if Prince Parker and Associates sue you?

Upon receiving the court documents, read the Summons and Complaint documents carefully. Then follow the steps below to respond. Don’t like reading? Check out this video instead:

1. Respond to each claim

You should state whether you accept, deny, or deny for lack of knowledge in response to every claim that is listed in the Complaint document.

For example, suppose that PPA claims that you signed a contract with AT&T, and you do not remember doing so. You can deny the allegation.

If you deny every claim, PPA will have to prove you are guilty. Most attorneys recommend denying as many claims as possible.

2. Assert your affirmative defenses

Now that you’ve responded to each claim against you, you should list your defenses.

What reasons do you have to show you are not guilty? Is it fraud? Or maybe it is the statute of limitations? State your reasons clearly in the Answer.

Using SoloSuit to generate your Answer simplifies the process. For instance, when communicating with you, SoloSuit does not use unfamiliar words such as estoppel and res judicata. We use simple questions and fill in the legal terms for you.

Make the right defense the right way with SoloSuit.

3. File your response at the court

Drafting the Answer is important, but filing before the deadline is crucial.

In the US, you should file your Answer within your state’s deadline to avoid losing by a default judgment. . The Summons usually indicates how much time you have to respond.

If you don’t respond in court in time, Prince Parker will probably be granted a default judgment against you. With this court order, Prince Parker can garnish your wages and seize your property.

You can have us file for you at a small fee. Or you can print and file yourself. Just be sure to send a copy of the Answer to Prince Parker's attorney and keep one for yourself.

Please file my Answer for me.

Only after filing the Answer in time can you offer to settle or use the Arbitration clause to get the case out of court.

Below is an example of a real customer who used SoloSuit to fight off a debt collector like PPA.

Example: Dan was sued by a debt collector after falling behind on his credit card payments during the COVID-19 pandemic. The collectors were very aggressive and, at time, hard to work with. Dan used SoloSuit to respond to the lawsuit and negotiated a settlement offer through SoloSettle. In the end, Dan was able to avoid a default judgment and reach a debt settlement with the collectors. They accepted a percentage of the overall debt amount because of SoloSuit’s help, saving Dan hundreds of dollars in the end.

You can beat Prince Parker and Associates

When Prince Parker and Associates start contacting you, it is best not to ignore them. The debt will not go away.

Instead, respond with a Debt Validation Letter. You can also dispute errors in your report. And if PPA sues you, fight back like a pro and win the lawsuit with SoloSuit.

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

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