Start My Answer

How to Beat PYOD LLC in Court

George Simons | December 07, 2023

Summary: Is PYOD LLC suing you for an old debt? Confused how they got involved in the case? Learn all you need to know about PYOD LLC and how to defend yourself in court.

So, you're being sued by PYOD LLC for an outstanding debt. The first thing you need to do is collect yourself and stay calm. Being sued for any reason is understandably a scary thing to go through.

However, you have some helpful resources on your side to ensure you get the best outcome possible, starting with us. Here at SoloSuit, we want to be equipped with the best tools for fighting debt collection agencies.

If you follow these steps, you can significantly improve your chances of beating PYOD LLC in court. Let's first take a look at PYOD LLC to see what they're all about.

Who Is PYOD LLC?

PYOD LLC is simply a debt collection company that is based in Las Vegas, Nevada. As a branch of the Sherman Financial Group, PYOD LLC buys defaulted debt at a discounted price and then attempts to collect on that debt for a sizable profit.

It's worth mentioning that the debt PYOD LLC buys from other entities can include zombie debts. As such, PYOD could be trying to collect a debt that has long fallen off of your credit report but claims you still have to pay.

The way these unsavory business practices work is quite simple. Let's say you originally owed $1,000 in credit card debt. Sherman Financial Group or PYOD LLC buys your debt after it's been in collections for so long, snatching it up for, say, $400.

If they are successful in collecting the full amount of the debt, they will have just made a slick $600 profit. With so much additional money to be made hanging in the balance, you can guarantee that PYOD LLC (and every other debt collection agency) is going to come after you with extreme prejudice.

Sadly, because money and greed are the driving forces behind debt collection agencies, unscrupulous methods are often used to collect their purchased debt. Some companies will even go so far as to lie to make a profit.

This is often the outcome when money is your idol. As bad as these business practices sound, they could actually mean great news for you. How could that possibly be, you ask? Let's continue to find out.

Don't run from shady debt collectors. Use SoloSuit to beat them in court.

Beat PYOD LLC in Court With a Defense That Works

Debt collection companies typically buy their debt in bulk. It's how they get such a big discount on it. While there are sizable savings for the debt collectors, it also means that there is usually less paperwork for each debt.

A lot less paperwork.

More often than not, debt collection agencies don't get the original bill with your signature on it. In a court of law, this document is an absolute must to prove to the judge that the debt belongs to you and is valid to be collected.

Now, most debt collection companies count on you not knowing this helpful piece of information and use intimidation to get you to acquiesce to their demands. In some cases, people have paid debts that didn't even belong to them by bending to the tactics of the debt collector.

This “business model” is far too common among debt collection agencies, so you must protect yourself and know your rights as a consumer. Many of these companies will break the law without you ever knowing it.

Such are the lengths people will go for money. Fortunately, we're here to help you fight back. Even if PYOD LLC says you owe them money, don't just assume that you do. Now that you know the way debt collectors typically operate, you can proceed with caution.

Make the right defense the right way with SoloSuit.

Request Verification of the Debt and Never Admit the Debt Is Yours

All right, you've been contacted by PYOD LLC, and they claim you have to pay up. One of the most important things you can do is ask for verification of the debt in question. This means that you want to see the debt in writing.

Also, keep in mind that any information you give to PYOD LLC can and most likely will be used against you in court. As such, it's best to move forward by withholding as much information as you can. Don't give them your Social Security number, current or past addresses, favorite color – nothing.

Request verification and contact your attorney if you have one. If you don't, you should strongly consider speaking with one. Don't attempt to defend yourself from the debt collector. Leave that to an attorney.

Even if the debt is valid and PYOD LLC sends you verification, any illegal collection tactics could jeopardize them getting awarded the case in court. As such, you could be in a position to counter-sue PYOD LLC. However, you will need to speak with an attorney who can represent you in court on such matters.

Assuming that PYOD plays by the rules and the debt does belong to you, an attorney might be able to reach a settlement for you where you don't have to pay the full amount.

Now, here's the rub. If PYOD is unable to show proof of the debt, which, if you remember, is the original bill with your signature on it, they can't legally collect payment from you. But you'll need to make sure that the judge sees this if you go to court.

Again, a qualified debt attorney can make sure this happens. If you're unable to afford an attorney and choose to represent yourself, you need to play your cards right in court. This means remaining calm and never admitting that the debt is yours.

PYOD LLC will likely produce every other kind of document. But if they don't have the original bill with your signature on it, they haven't got a chance. A common mistake people make is admitting that the debt is theirs after the debt collector produces a stream of paperwork.

What they don't know is that this paperwork has no bearing unless they play into the debt collector's hands and admit the debt is theirs. Never do this, stand your ground, remain resolute, and follow the advice we laid out. In doing so, you can look forward to being awarded the victory over PYOD LLC.

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