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How to Resolve Debt With Samara Portfolio Management

George Simons | January 23, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
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.

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: Don't get stressed if you're sued by Samara Portfolio Management. You've got options to effectively engage with debt collectors in court. Feel confident about communicating with Samara Portfolio Management with the help of Solo.

If you are being sued by Samara Portfolio Management for an unpaid debt, don't panic! You must remain calm and explore your options to resolve your debt issue. Let's discuss some key steps that can help you claim victory over this debt collector.

First, we'll learn about Samara Portfolio Management. Because the better you understand your adversary, the easier it is to face them.

Settle debt with Samara Portfolio Management

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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Who Is Samara Portfolio Management?

Samara Portfolio Management is like many other debt collection agencies. They routinely purchase delinquent credit card accounts that have been charged off.

Operating out of Texas, Samara Portfolio Management regularly files credit card lawsuits in their home state in an attempt to collect on their purchased debts.

Who does Samara Portfolio Management collect for?

Samara Portfolio Management routinely pursues debts on behalf of companies in the financial services sector, primarily credit card companies.

Read Samara Portfolio Management reviews online

If you are curious to know what people have said about their interactions with Samara Portfolio Management on different debt collection matters, then take a moment to read these reviews:

Despite Samara Portfolio Management’s online reviews being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including Samara Portfolio Management, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Negotiate a Debt Settlement with Samara Portfolio Management

If you received a debt collection lawsuit from Samara Portfolio Management, you still may be able to negotiate a settlement. It is important to proactively respond to the debt collection lawsuit so you have enough time to engage in productive settlement negotiations. Here are some recommended steps to try and settle a debt with Samara Portfolio Management:

  1. File an Answer to the debt collection lawsuit.
  2. Calculate how much you can actually afford to pay with the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Make a reasonable settlement offer that is less than the maximum amount you can pay.
  4. Be ready to go through multiple rounds of negotiating.
  5. When you reach a debt settlement agreement, get the terms in writing.

To learn more about these tips and others that may assist you on your journey to settle debt with Samara Portfolio Management, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

Defend yourself in court if sued by Samara Portfolio Management

Aside from staying calm, one of the first things you should do when facing a lawsuit from Samara Portfolio Management is to request documentation that proves you are responsible for the debt in question.

As mentioned, you have some very critical factors working in your favor, and one of them is the fact that Samara Portfolio Management struggles with producing evidence of debt. You see, Samara Portfolio Management often relies on its threatening tactics to collect on debts.

They hope that people like you will simply cave into the pressure and fork over however much money is being demanded. But history shows that when Samara Portfolio Management is challenged, they have a hard time proving that they are the rightful owner of the debt.

Use SoloSuit to ask debt collectors for proof.

This can bode remarkably well for you in court. But you have to make sure that you don't shoot yourself in the foot along the way. If your case goes to court, there's a very real possibility that by doing and saying the correct things, you will walk away as the winner and won't have to pay Samara Portfolio Management a dime.

Let's not get ahead of ourselves, though. There are a few things you need to do first before you meet Samara Portfolio Management in court. And that's if it even goes the distance. As you will soon see, there's a chance that it won't.

Send a Request for Production of Documents

As discussed a moment ago, you need to first make sure that you send a Request for Production of Documents. Send your request by certified mail so that you have a receipt of the paperwork and when you made the request.

You should also send a copy to the judge, as this will look good on your part and show that you are questioning the legitimacy of the debt. If Samara Portfolio Management is unable to produce the requested documentation, you can count on winning at your court date.

If they are able to show this documentation, hang onto it and bring it with you to court.

Respond to debt collectors with Solo fast.

Find Out the Statute of Limitations

In Texas, debt collectors have exactly four years to sue you for an unpaid debt. The four-year mark begins from the date that you made your last payment. Lawsuits often get filed near the end of this four-year deadline.

As such, it's helpful to know when the exact day was that you made your last payment. If you can show that Samara Portfolio Management is past the statute of limitations, you will win the lawsuit and be absolved of having to pay anything.

Show Up to Court

There is always a possibility that one of the parties won't show up for court. Many times, it's the debt collector who is hoping that you won't show up. If this happens, the court will award them the victory, and you'll have to pay the debt.

Never allow this to happen. Show up on time and come ready to advocate for your best interests. There is always the possibility of the debt collector not showing, in which case you will win by default.

However, it's more likely that Samara Portfolio Management is banking on you not knowing your legal rights and being awarded the victory.

Make a defense with SoloSuit and win in court.

Question Everything You're Accused Of

Remember what we said earlier about Samara Portfolio Management having a hard time producing proof of debts? This is where you can take advantage of their lack of preparedness and come out on top.

No matter what Samara Portfolio Management claims in court, never admit that you owe them money. Maintain constant professionalism and be ready to speak when it's your turn. When asked, you need to question its legitimacy and say that you require proof that the debt belongs to you.

Since debt collection agencies like Samara Portfolio Management buy their debt in bulk, there is rarely direct evidence showing you are responsible for the debt in question. Direct evidence is your signature on the original bill.

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Make an Offer

Make Samara Portfolio Management prove their case

It is very unlikely that Samara Portfolio Management will be able to show the court an original bill or agreement with your signature on it. As such, you will be declared the victor and will walk away without having to pay anything.

Samara Portfolio Management may try showing the court other documentation, but anything other than your signature on the original will be considered heresy as long as you continue to contest it.

The moment you agree with anything they present, Samara Portfolio Management can be awarded the lawsuit. Stand your ground and don't waiver. On the off chance that they can present the original document, you may just have to admit that the debt is yours and agree to pay it.

Again, this is highly unlikely. But you won't know unless you follow the above steps and see the lawsuit through to the end.

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