Start My Answer

How to Beat SCA Collections

Sarah Edwards | October 19, 2022

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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.

Beating SCA Collections feels like ^^

Summary: Is SCA Collections suing you for a debt? SoloSuit can help you take a stand and win in court.

Getting a debt collection letter from SCA Collections in the mail is nobody's idea of a great start to the day. And finding out that you might owe money to someone you've likely never heard of can be a real head-scratcher.

When you find yourself on the receiving end of a debt collection letter, the best way to handle it is to read through it and try to obtain the information you need to determine whether it's a legitimate debt or just someone's mistake.

The first notification that you receive in the mail from SCA Collections is likely to set off a barrage of actions. You may find yourself getting multiple phone calls from representatives of the company attempting to make you pay the debt.

To stop the calls and any other collection-related activity, try sending a Debt Validation Letter. By law, debt collection agencies must validate a debt and give you 30 days to dispute its validity in writing.

Once you've sent the Debt Validation Letter to SCA Collections, activities will cease unless they're able to provide you with documentation to validate the debt. Such validation normally includes the name of the original lender, your account number, your name, and the amount that was owed at the time the debt was purchased by SCA Collections.

If they provide you with the requisite information, debt collection activities will resume. However, it's important to make sure their activities are in line with the requirements set forth by the Fair Debt Collection Practices Act (FDCPA).

What debt collection activities are prohibited by the FDCPA?

The FDCPA was established in the 1970s to protect consumers from aggressive debt collection actions. Prior to the FDCPA, debt collectors were known for using all kinds of tactics to induce consumers to pay overdue debts.

These tactics could be scary and were found to be harmful to society in general. The federal government felt that reining in the methods used by debt collectors could lead to better outcomes for consumers.

Some acts that are banned by the FDCPA include:

  • Repeatedly calling an individual at their home throughout the day.
  • Letting the phone ring “off the hook” until someone answers.
  • Using abusive language toward the consumer, such as calling them a criminal.
  • Calling people at their workplace, especially when their employer forbids it.
  • Saying they are with law enforcement when they aren't.

If you experience these actions by a debt collector from SCA Collections — or any other behavior you think might be illegal or constitute harassment — you can file a complaint with the Consumer Financial Protection Bureau.

Is SCA Collections a legitimate debt collector?

Yes, SCA Collections is a legitimate debt collector. It's based in North Carolina and primarily seeks to collect delinquent accounts for healthcare providers. However, it is not accredited by the Better Business Bureau (BBB).

If you're feeling frustrated with SCA Collections, you're not alone. As of 2022, SCA Collections has had 112 complaints filed against it in a three-year period through the BBB. Even worse, the Consumer Financial Protection Bureau has reported 493 complaints against SCA Collections in the past ten years. A review of the current complaints shows numerous occasions where the company has failed to substantiate a debt for the consumer, or they have not removed the debt from a credit report.

For most complaints, the company chooses to hide behind HIPAA legislation rather than resolving the issue for the consumer.

Let's take a look at a real example.

“This company is reporting a collection account on my credit report. I have never received service from the original creditor to the best of my knowledge, and have definitely not received any correspondence in regards to any balance current or past due from either the original creditor nor this company SCA collections. Not giving me an option to dispute the charges or the collection prior to reporting as a collections account to all 3 credit bureaus is unduly, unfair, unacceptable, and a direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act and must be deleted from my credit reports IMMEDIATELY!”

What should I do if I'm sued by SCA Collections?

If you receive a notice that you are being sued for a debt held by SCA Collections, you'll want to take immediate action. In most cases, if you ignore the debt and it proceeds to court, a default judgment will be issued against you.

This judgment can severely impact your credit and allows SCA Collections to pursue further collection activity against you, such as garnishing your wages or freezing your bank account. You don't need that in your life, especially if the debt isn't yours to begin with.

Instead, you should file a written Answer in your local court. Here's how.

Respond to a debt lawsuit against SCA Collections

The first step to beating SCA Collections is to respond to the lawsuit with a written Answer. You have 14-35 days to submit your Answer, depending on which state you live in. If you don't respond in time, SCA Collections will request a default judgment.

You can save the money and stress of finding an attorney and represent yourself with SoloSuit's help.

Follow these six tips to draft an Answer to a debt lawsuit against SCA Collections:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing SCA Collections to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that SCA Collections should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to SCA Collections. At the end of your Answer document, include a certificate of service when you verify the address you used to serve SCA Collections the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

In many cases, filing an Aanswer will stop the lawsuit from proceeding further. Sometimes, the collection agency may drop it altogether, especially if they don't have the evidence they need to prove in court that you owe the debt.

SoloSuit can help you draft and file an Answer in all 50 states.

Learn more about these six tips in this video:

Contact SCA Collections

If you need to reach SCA Collections, you can use the following contact information.

SCA Collections, Inc.
300 East Arlington Blvd, Suite 6-A (27858)
P.O. Box 876
Greenville, NC 27835

Phone number: 800-334-7713 or 252-355-5500


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

Get Started

We have answers.
Join our community of over 40,000 people.

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.

Ask a Question

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

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court