How to Beat Revco Solutions

Patrick Austin, J.D. | April 11, 2024

Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

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.

Fact-checked by George Simons, JD/MBA

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.

Summary: If Revco Solutions contacts you about a debt, make them validate it. Respond to pending lawsuits with a written Answer to stand up for your rights and increase your chances of winning in court. If you know the debt is valid, discuss your settlement options with Revco or use SoloSettle to streamline the settlement process.

Getting harassed by debt collectors such as Revco Solutionsis annoying, stressful, and upsetting. Why? Because debt collectors often use unethical and even illegal methods to try to persuade you to pay what they think you owe. That's why Revco Solutions may call you all day and even into the night. They may try to contact you on your Facebook and send you threatening letters in the mail.

If you find yourself in this situation, do not despair. You have legal rights and protections that can help you beat Revco Solutions in court.

What is Revco Solutions?

Revco Solutions is a debt collection agency doing business out of Columbus, Ohio. Its original name was Credit Bureau Collection Services (CBCS), but rebranded itself to Revco Solutions LLC in 2020.

Revco Solutions focuses on debt collection for hospitals and physicians. The agency also engages in debt collection for public and private utility companies, government agencies, and retail and banking institutions. In fact, Revco Solutions has been collecting debts on behalf of government agencies for close to two decades.

If you need to reach a Revco collector, call them at the Revco Solutions phone number, which is listed below with the company’s other contact information:

Address:
250 E Broad St Ste 400
Columbus, OH 43215-3761
Phone number: (855) 202-0113
Email: Mail@RevcoSolutions.com
Website: https://revcosolutions.com

Is Revco Solutions legit?

Yes, Revco Solutions is a real debt collection agency, not a scam. However, it is not accredited by the Better Business Bureau (BBB) and has a B rating.

If you are feeling angry towards Revco Solutions, you're not the only one. As of 2024, Revco Solutions has received dozens of complaints on its BBB profile over a three-year period. These complaints mention several violations of the FDCPA, and they demonstrate just how aggressive Revco Solutions can be when trying to collect on a debt.

Let's take a look at a real example.

“Revco Solutions, Inc. is attempting to collect a debt that I do not owe. I have never signed a contract nor have I ever received any monies from Revco Solutions, Inc. They continue to send intimidating letters with an attempt to collect money from me. I do not owe Revco any money nor do I ever intend to pay them any money for which I never received. I would like an apology for their negative tactics and have all negative information removed from all credit reporting agencies IMMEDIATELY! Furthermore, Revco should compensate me for loss of time to handle this matter and taking my important time with unwanted letters and telephonic calls.”

Read Revco Solutions reviews

Google reviews give Revco Solutions an average rating of 1.3 out of 5 stars. Most of these reviews complain about Revco Solutions debt collectors calling and asking for social security numbers or other personal information. Many people think it's a scam, but Revco is a real debt collector.

Have a look at some real Revco Solutions reviews below:

Understand your legal rights when Revco Solutions contacts you about a debt

Revco Solutions is known to try to take advantage of people who do not know their rights under the Fair Debt Collection Practices Act. The FDCPA lays out many rules and regulations that restrict how debt collectors can contact and treat you. Some of these rules include the following:

A debt collector may not call you before 8 a.m. or after 9 p.m.
A debt collector cannot use rude or vulgar language when they contact you.
A debt collector is not allowed to threaten you with a debt collection lawsuit.
A debt collector cannot call you at your workplace.

Respond to a debt lawsuit against Revco Solutions

If Revco Solutions sues you for debts you allegedly owe, it is vital to respond to the lawsuit quickly and aggressively. Do not ignore the lawsuit and throw the notices in the trash. The lawsuit will always be there and even if you ignore it, it will not go away. Ignoring the suit means Revco Solutions wins by default. This gives them the right to garnish your wages and put liens on your property. Never make this mistake of ignoring a debt lawsuit—you can fight back!

Follow these three steps to respond to a debt lawsuit against Revco solutions:

Respond to each claim listed in the Complaint document. You can admit, deny, or deny due to a lack of knowledge. Most attorneys suggest that you deny as many allegations as possible. This makes Revco Solutions work harder because they have to gather all the necessary documentation to prove the debt is actually yours.
Assert your affirmative defenses. These are legal reasons that Revco Solutions doesn't have a case against you. A common affirmative defense to raise in a debt collection lawsuit is the statute of limitations. If the debt is past the statute of limitations, then Revco has run out of time to sue you for the debt. If this is true, the case will be dismissed.
File the Answer with the court, and send a copy to Revco Solutions. Make sure to file before the deadline, which is 14-35 days, depending on which state you live. Make a copy to send to Revco Solutions via USPS-certified mail. You should also request a return receipt so you can prove that you properly sent the Answer to the opposing party.

You can learn more about these three steps in this video:

Now, let's break down each step a little further.

1. Respond to each claim listed in the Complaint document

When you're sued for a debt, you should receive two court documents called the Summons and Complaint (also known as a Petition in some states). The Summons notifies you of the lawsuit, while the Complaint lists the specific claims being made against you.

The most important section of your Answer is the part where you respond to each claim listed in the Complaint. You can use one of the following responses:

Deny (like saying, “Prove it.”)
Deny due to lack of knowledge (like saying, “I don't know.”)
Admit (like saying, “This is true.”)

Most attorneys advise denying as many claims as possible. This forces Revco Solutions to do more work to prove their case. If they don't have the proper documentation to prove their claims, they may choose to dismiss the case altogether.

Use SoloSuit to create an Answer in just 15 minutes.

2. Assert your affirmative defenses

When you answer the debt collection lawsuit filed by Revco Solutions, you have a chance to highlight any problems with the allegations contained within the Complaint. As mentioned earlier, debt collectors are legally obligated to prove that you owe what they claim you owe. This means Revco Solutionsmust prove these things before you are legally responsible for the debt:

The debt collector is legally authorized to sue you.
You are the person who owes the debt.
You owe the amount noted by Revco Solutionsin the complaint filed with the court.

If Revco Solutions cannot prove the above points, there is a great chance that you can win in Court and even get the lawsuit tossed out.

Depending on your case facts, you could argue that Revco Solutions did not file the suit within the statute of limitations timeline. The statute of limitations states the time that someone has to sue you. The debt collection company needs to file the suit within that time limit or they have no legal recourse.

If the case facts show that Revco Solutions sued you for something where the statute of limitations expired, you may file a motion to have the legal action dismissed with prejudice.

There are other things you can do to defeat Revco Solutions at their shady game. Think about filing a counterclaim if you possess evidence that Revco Solutionsdid something that violates the FDCPA. If you have such evidence, Revco Solutionsmay need to pay you damages as well as cover your legal fees.

SoloSuit can help you make the right defense the right way.

3. File the Answer with the court, and send a copy to Revco Solutions

You have 14-35 days to file your Answer in the court, depending on which state you live in. You can send your Answer in the mail, deliver it by hand to a court clerk, or even file online (only some courts offer this option).

After you've filed the Answer, be sure to send a copy of it to Revco Solutions. The copy should be sent via USPS certified mail with a return receipt requested. This serves as documented proof that your Answer was properly delivered to the opposing party.

SoloSuit can file your Answer for you in all 50 states.

Does Revco Solutions report to credit bureaus?

Yes, Revco Solutions reports defaulted debt accounts to the credit bureaus, just like any other debt collection agency. There are two ways you can remove Revco Solutions from your credit report:

Ask them to validate your debt and dispute it. If you suspect that the debt reported to the credit bureaus is inaccurate, dispute it. Send a Debt Validation Letter to Revco Solutions to force them to prove that the debt is owed and real.
Pay Revco Solutions. If you know the debt is valid, set up a payment plan with Revco, discuss settlement options, or pay off the full amount on their portal. Keep reading to learn more.

Pay Revco Solutions

It’s easy to pay Revco Solutions because of their online payment portal where you can log on, review your current balance, choose a payment plan that works for your budget, and submit your payment online.

If you know you owe the debt, working with Revco Solutions to settle it might be in your best interest. Debt settlement helps you resolve a debt without having to pay the full balance, saving you money and making it more possible to pay Revco Solutions if you’ve experienced financial hardship.

SoloSettle, powered by SoloSuit, can help you get the debt settlement conversation started. The SoloSettle software helps you send and receive settlement offers when you get sued for a debt. It’s proven to help people reach an agreement with collectors and resolve their debts for good.

To learn more about how to settle a debt with Revco solutions, check out this video:

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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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate