February 04, 2022
Summary: Here's a guide on everything you need to know about Radius Global Solutions and how to beat them in court. You can use SoloSuit to win your case.
A natural reaction to a call and a letter from any collection agency is denial or indifference. Neither approach is practical. Even small or old debt can stick with you for years, resulting in annoying calls and communication from debt collectors and potential damage to your credit score.
The best approach is to handle the debt quickly to avoid legal issues and further complications. How do you prevent these issues when Radius Global Solutions comes after you?
Radius Global Solutions has over 1,000 complaints filed against it with the Consumer Financial Protection Bureau (CFPB) and 100 or more with the Better Business Bureau (BBB). Radius Global Solutions has over 1,000 complaints filed against it with the Consumer Financial Protection Bureau. Unsuccessful debt validation requests, inaccurate reports, and inadequate communication are among the many complaints you hear.
But you can beat Radius Global Solutions.
Radius Global Solutions, LLC is an account recovery and debt collection company in the United States. Radius Global Solutions' BBB rating is an A+, but customer reviews give them one star out of five. When Radius Global Solutions buys one of your debts from the original creditor, you'll know promptly.
The creditor will send you letters requesting payment and call you to demand it. As soon as the collection account appears on your credit report, your credit score will plummet. You may pay off the debt, but there is a secret that industry insiders wish you didn't know: your credit may not improve by paying off the collection amount.
Below is Radius Global Solutions' contact information:
7831 Glenroy Road, Suite 250, Edina, MN 55439
Other Office addresses
50 West Skippack Pike Ambler, PA 19002
108 Thomas Circle Monticello, MN 55362
4370 W 109th Street, Suite 100 Overland Park, KS 66211
Other offices locations
Jacksonville, Fl, Panama City, Panama, Decorah, Iowa Montego Bay, Jamaica, Mumbai, India, Pasadena, CA West Deptford and Ramsey, New Jersey, Jenkintown, PA Houston, TX
Debt collectors are often unpleasant to deal with. Your best bet is to ask them to stop contacting you. The Fair Debt Collection Practices Act (FDCPA) grants you this right, and you can subsequently request all correspondence to reach you by mail. Be sure to use certified mail if you renegotiate a settlement, submit a Debt Validation Letter, or request to delete goodwill.
When dealing with credit bureaus, the CFPB, or the legal system, you want to leave a "paper trail."
If Radius Global Solutions calls or sends you a letter, you first need to validate the debt, and the process is time-sensitive. You have 30 days after the first contact from Radius Global SOL to request debt validation under the FDCPA. Request debt validation by sending a certified Debt Validation Letter. Collection agencies must respond with all the information regarding the collection account, such as:
Certified mail guarantees they receive your letter, and you will receive a return receipt. It protects you and strengthens your case if you need to escalate it further to a credit bureau—Equifax, TransUnion, Experian—or in court.
When Radius Global Solutions verifies your debt and provides supporting documentation, you owe the company the money. If that's the case, get help from a credit repair company to remove the item from your credit report. But where Radius Global Solutions cannot verify the debt, the law requires them to cease their debt collection efforts and delete the collection account.
One issue with collection agencies is they habitually play a shell game with debts. Equifax, Experian, and TransUnion are the three major credit reporting agencies so a collection account may appear on one or all of your credit reports. It is crucial that you review your credit report from all three of the credit reporting agencies to have a comprehensive overview of your credit health and to identify inconsistencies between the reports.
AnnualCreditReport.com allows you to view your credit report for free. They're the only source allowed to provide you with copies of all three credit bureau reports.
Look for Radius Global Solutions when you receive the report. It would also help to search for accounts with similar amounts and dates under different names. The original creditor may appear on your credit report along with the collection agency. Often, one agency will sell a debt to another, and the same account may have multiple notations.
Validating your debt is not an option if you are outside the 30-day window. You still have options if you wish to remove Radius Global Solutions from your credit report. Pay-for-delete is one of these options: you only pay your debt if Radius Global Solutions agrees to delete the collection account from your credit file.
Many debt collectors will accept a lower amount than what you owe. Why? Because they probably bought the debt from another business for very little money. Because of this, if you pay them anything more than they bought your debt, they make a quick profit, and making money is their only concern.
Verify all negotiations via certified mail, like with the Debt Validation Letter above. Once everyone agrees, sign the agreement. This may protect you in future escalation situations. You should notify Radius Global Solutions if the collection account hasn't been removed from your credit report after a few weeks, as this is a breach of contract. Never underestimate the power of a negative item on your credit score.
Finally, you can request a goodwill deletion, which is usually a rare occurrence. Requesting goodwill deletion is the best option for people who have already paid the debt. Send them an email stating you have already paid the debt and would like the collection account off your credit report.
It is entirely up to Radius Global Solutions to remove the collection account. Be polite and concise in your letter, and remember Radius Global Solutions is doing you a favor. Some consumers may share a personal hardship. Provide supporting documentation only if the information is factual. Unexpected family emergencies or layoffs are common hardships.
The federal government protects you. They require collection agencies to adhere to the Fair Debt Collections Practices Act (FDCPA) by prohibiting actions, such as:
The Fair Credit Reporting Act (FCRA) governs how debt collectors and creditors report a delinquent debt to credit reporting agencies. The Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA) are other consumer protection laws.
You can level the playing field if you know what your rights are. The Federal Trade Commission (FTC) provides a FAQ on Debt Collection that tells you your legal rights. Radio Global SOL knows the law, but they hope you don't. Knowing your rights will make it easier to negotiate with them.
If you're sued by Radius Global Solutions, you need to respond by filing an Answer. Filing an Answer will protect your rights and save you from garnishment. In most states, you only have 14-30 days to file an Answer.
SoloSuit helps people fight debt collectors. We have everything you need to win. How it works: SoloSuit is a step-by-step web app that makes it easy to generate an Answer to a debt debt collection summons.
"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
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.
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Need help managing your finances? Check out these resources.