Start My Answer

How to Beat Regional Finance in Court

George Simons | January 10, 2024

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

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: Are you being sued by Regional Finance for an old debt? Learn how to make a defense and win against Regional Finance in court.

If you are being harassed and threatened by a debt collector affiliated with Regional Finance, you may be feeling overwhelmed, intimidated, and unsure about your future. This is perfectly understandable since being hounded by a debt collector is generally considered to be an awful and unpleasant experience. If the stress of being hounded by a debt collector was not bad enough, there is a fairly high likelihood you will wind up getting served with a debt collection lawsuit. If, or when, this happens, do not despair. You have legal rights and can take specific actions to beat Regional Finance in court.

Who Is Regional Finance?

Regional Finance is a personal loan corporation based in South Carolina. They market themselves as a company that assists consumers with poor credit scores to procure personal loans and other forms of finances. Regional Finance is also notorious for sending out mass mailers to homes containing “pre-approved” loans (that typically are accompanied by a high-interest rate).

The company has over 300 offices throughout eight specific states - New Mexico, Texas, Oklahoma, Tennessee, Georgia, Alabama, North Carolina, and South Carolina. As a result, Regional Finance typically only accepts loan applications from residents based in one of these states.

Regional Finance has developed a reputation for being extremely aggressive when attempting to collect outstanding debts. Numerous consumer complaints have been filed with the Better Business Bureau, Consumer Financial Protection Bureau, and other agencies alleging collectors with Regional Finance violated various provisions of the Fair Debt Collections Practices Act. For example, multiple consumers reported that collectors affiliated with Regional Finance engaged in inappropriate and unethical communications and attempted to collect on debts that were not actually owed.

Respond to debt collection lawsuits fast with SoloSuit.

Respond Promptly to a Debt Collection Lawsuit from Regional Finance

If you are served with a Complaint filed by Regional Finance, it is extremely important to respond to the lawsuit in a timely manner. Do not ignore the lawsuit. One of the most common mistakes people make when they are sued by a creditor or debt collection agency is failing to respond to the lawsuit. Please understand that you gain nothing by doing nothing.

Whether you owe the debt or believe you were sued by mistake, you need to take action and file a formal response to the lawsuit. In legal terms, your response to the Complaint is known as an Answer.

The reason filing an Answer is so important is because failing to do so is admitting defeat and letting Regional Finance file a motion to obtain a default judgment against you. Once a default judgment is entered by the Court, you are effectively at the mercy of Regional Finance. They would then be empowered to garnish your wages, take money from your bank account, collect attorney's fees and court costs, and seize your personal property.

Another important reason to file a formal Answer to the debt collection lawsuit is that many debt collection companies like Regional Finance assume you will not file an Answer. This is because the vast majority of people who are subjected to a collection lawsuit will fail to file a response. As a result, when you take the time to file an Answer, it catches many debt collectors off guard and could create an opportunity to try and reach a settlement or out-of-court resolution with the debt collector.

Protect your assets with SoloSuit.

Make Regional Finance Prove That You Owe the Purported Debt

The debt claimed in the lawsuit filed by Regional Finance may have been packaged, sold, and resold by multiple companies. As a result, a strategy for challenging the collection lawsuit is simply requesting that the debt collection company provide evidence that you owe the alleged debt.

For example, you should demand that the collection company provide a copy of the signed agreement and balance on the purportedly delinquent account from zero to present. In many instances, the debt collection company only has sparse documentation and may not even have sufficient evidence to respond.

Make Regional Finance Prove the Lawsuit was Filed Within the Statute of Limitations

As mentioned earlier, many debt collection companies (including Regional Finance) assume people will not file a formal Answer to the debt collection lawsuit and they will obtain a default judgment. As a result, there are many instances when the debt collector fails to take the time to confirm that they have the legal ability to sue you for the debt. Keep in mind, if the applicable statute of limitations has expired, the debt collector is prohibited from suing you. In most states, a debt collector only has a finite amount of time to sue you for an alleged delinquent debt.

If it turns out that the statute of limitations has lapsed, you can raise this issue as an affirmative defense that could enable you to file a motion to dismiss the debt collection lawsuit entirely.

Filing a Counterclaim in Court Against Regional Finance

In addition to raising different affirmative defenses in response to the debt collection lawsuit filed by Regional Finance, you should explore the viability of going on offense by filing a counterclaim against this debt collection company. A counterclaim could be pursued if there is evidence that a collection agent affiliated with Regional FInance violated a provision, or provisions, of the Fair Debt Collection Practices Act (FDCPA).

Respond to debt collectors with SoloSuit and win in court.

Importance Takeaways for What To Do When Sued by Regional Finance

Here is what you need to do if you receive a debt collection notice or debt collection lawsuit filed by Regional Finance:

  • Keep track of any phone calls made by a debt collector affiliated with Regional FInance that occurred before 8:00 A.M. or after 9:00 P.M.
  • Keep track of any phone calls made to your workplace.
  • Keep track of any vulgar or inappropriate language used by the debt collector when they speak with you.
  • Make sure to file your Answer to the Complaint on time.
  • In your Answer, make sure to raise affirmative defenses like the statute of limitations and demand that the debt collection company provide proof of the specific amount owed.

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