George Simons | October 19, 2022
Summary: Is Radius Global Solutions suing you for a debt? SoloSuit can help you take a stand and win in court.
Facing a fierce debt collection agency in court, like Radius Global Solutions, can be intimidating. With almost 40 years of experience in collections, this agency understands the ins and outs of collection laws and may seem to have the upper hand against you in a debt collection lawsuit.
However, you can beat Radius Global Solutions in court if you prepare a good defense for the lawsuit. This article explains how to achieve that and everything else you need to know about debt collection lawsuits and Radius Global Solutions.
Radius Global Solutions, LLC, is a debt collection agency that collects payments for third parties from different industries, such as healthcare, utilities, telecom, retail, and government. Established in 1982, the Edina-based company boasts billions of dollars in successful collections and an outstanding experience.
If you're feeling harassed by Radius Global Solutions, you're not the only one. As of 2022, Radius Global Solutions has received 392 complaints over a three-year period. Even worse, the Consumer Financial Protection Bureau received 2,154 complaints against Radius Global Collections in the last ten years.
These complaints show that Radius Global Solutions is guilty of:
Let's take a look at a real complaint against Radius Global Solutions from the CFPB complaint database.
“Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by all other Radius Global collection affiliates.”
If you are a victim of any of these practices, you may be eligible for compensation. When Radius Global Collections violates the FDCPA, you should report. Keep reading to learn more.
If you receive a phone call from Radius Global Solutions, one of your lenders may have handed over your unpaid debt account to the company for collections. Since this agency collects for companies from different industries, they may contact you for uncleared debt accounts, such as credit cards, medical debts, personal loans, or student loans.
The Fair Debt Collection Practices Act (FDCPA) allows debt collection agencies to contact you through various means of communication like phone calls, emails, and messages. However, these agencies must follow certain debt collection rules. For example, they must:
Afterward, the agency begins the debt collection process. You may witness more phone calls, messages, and emails. And, they might also propose a repayment plan if they reach you. Radius will send you one final notice before filing a lawsuit if none of their collection efforts bear results.
You'll receive a debt collection Summons to which you must respond.
How you respond to the debt collection Summons and Complaint filed against you impacts the final ruling on the case. If you ignore the court Summons, the court will pass a default judgment against you. As a result, the plaintiff or their attorney will ask the court to issue a wage garnishment order that allows them to collect part of your wages to recover their debt.
You need to take note of the time limit you have to respond to the court Summons. This time limit varies from one state to another and may be found on the paperwork you receive along with the court Summons and Complaint.
After confirming the deadline, follow these three steps:
Now, let's break down each of these steps a little further. Don't like reading? Check out this video to learn more about these three steps to responding a debt lawsuit.
The complaint contains all the legal claims by the plaintiff in paragraph form. You must read each claim and decide how you respond to it. Typically, there are three ways to respond to these claims.
In most cases, attorneys suggest that you deny as many claims as possible. Denying is kind of like stating, “Prove it.” It forces Radius Global Collections to provide the proper documentation and paperwork to prove their case. If they don't have the necessary proof, the case will probably be dismissed.
Affirmative defenses are the reasons why you believe the plaintiff has no case against you. It's the best chance you have to challenge Radius Global Solutions and beat them later in court.
Examples of affirmative defenses include:
Remember to collect evidence of these affirmative defenses to support your claims. Since asserting affirmative defenses is a one-time chance, you need to explore all available defenses to improve your chances of winning the case. Once you file your initial Answer, you won't be able to bring up any defenses later on in the case.
After completing your Answer with your responses and affirmative defenses, the next step is filing your Answer. You have to make two copies of the Answer document. Mail one of the copies to the court and the other to the plaintiff or their attorney. Ensure that you use Certified Mail services to obtain proof of mailing and delivery.
If you believe that you don't owe the debt, you can dispute it in writing within 30 days from the day Radius Global Solutions contacts you. When you do so, the agency will stop all collection processes until they verify the debt. Send a Debt Validation Letter to formally request that Radius Global Collections verify the debt. Many debt collectors give up after receiving such a letter.
If you owe the debt and want to avoid going through the hectic court processes, you can try negotiating a settlement amount. The agency may agree to settle for a lesser amount than nothing at all. They may also agree not to report your account to credit bureaus once you pay the settlement amount.
Start the negotiation process by sending a Debt Lawsuit Settlement Letter. Keep in mind that many debt collection agencies are willing to settle for less than the original amount, because often they purchase the debt for pennies on the dollar. This means you can pay less than you actually owe, and Radius Global Collections will still make a profit.
Remember to keep copies of all agreements you reach with Radius Global Solutions and honor your part of the agreement.
The Fair Debt Collection Practices Act protects you from unfair debt collection practices from debt collectors. For example, these laws prohibit collectors from identifying themselves as attorneys or government representatives. The laws also prohibit them from garnishing your wages without a court order.
If a collection officer violates any of these rights, and many others, you can submit a complaint with the Consumer Financial Protection Bureau (CFPB) and the Fair Trade Commission (FTC). You may also file a lawsuit against them for violating the state collection laws within one year. If you win the lawsuit, the court may order the agency to pay for the damages and court fees incurred.
However, suing a debt collector for violation of collection laws doesn't take away your debt responsibility. You will still be responsible for clearing what you owe.
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.
"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
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Here's a list of guides for other states.
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Need help managing your finances? Check out these resources.