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How to Beat Sequium Asset Solutions

Dena Standley | August 17, 2022

Beating Sequium Asset Solutions feels like ^^

Summary: Is Sequium Asset Solutions suing you for a debt? SoloSuit can help you take a stand and win in court.

Endless phone calls from Sequium Asset Solutions, LLC can be stressful, frustrating, and exhausting. Luckily, you don't have to put up with Sequium's aggressive debt collection tactics.

Here's everything you need to know about Sequium, your consumer rights, and how to beat the company in court.

Let's jump right in.

Sequium Asset Solutions is a legit company

Sequium Asset Solutions, LLC is a legitimate debt collection agency. They specialize in purchasing debts from original creditors who have given up on trying to collect said debts. Headquartered in Marietta, Georgia, the agency has been in practice for six years. Sequium has a Google review rating of 1.6 out of five stars from 423 reviews, and their rating with the Better Business Bureau (BBB) is a B. Sequium's contact information is:

Address:
Sequium Asset Solutions, LLC
1130 Northchase Parkway,
Suite 150 Marietta, GA 30067

Phone: 877-362-8766

Email: inquiry@sequium.com

Sequium has received many complaints

If you're feeling frustrated with Sequium, you're not alone.

has received over 1,000 complaints on its BBB profile in just three years.. Even worse, the Consumer Financial Protection Bureau reported over 1,600 complaints against Sequium in the last ten years. While debt collectors are hardly popular, these records show just what a bad reputation the company has.

Let's take a look at a real complaint against them.

“This company called me and claimed that I had a debt from Vivint from 2018. I knew This had to be fraudulent, because I called Vivint who in turn verified that my account was paid off and transferred LAST YEAR and that I have a 0 balance. I provided vivint with a payment receipt and my bank statements showing this account was paid off, when I sold my home. They were able to verify that my account was and has ALWAYS been free and clear. Do not trust this company.”

Aside from harassing consumers, Sequium continues to violate the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) regulations. You can stand up for yourself against debt collectors if you know your rights.

How to respond when contacted by Sequium

Any contact from a debt collector should be met with a request to validate the debt. Do this even if you think the debt is yours and the amount is correct.

Sequium can contact you via phone call, email, or a letter in the mail. When they first contact you, they should verify the debt in writing within five days. Whether the company confirms the debt or not, send them a Debt Validation Letter. They have thirty days from the receipt date to respond. Always use certified mail to reach Sequium to have proof of communication.

Upon receipt of the letter, Sequium must report the debt as disputed. They have to provide proof that the amount is current and accurate. They must stop contacting you about that debt until they do so.

To learn more about how to draft and send a Debt Validation Letter, watch this video:

What if Sequium reports false information to the credit bureaus?

Many debt collectors have weaponized the credit reporting bureaus. Because consumers fear ruining their credit scores, they feel compelled to pay errored and inaccurate accounts to get them off their report.

You shouldn't be intimidated into paying an unvalidated debt. Remember that paying an account in collections doesn't remove the stain from your report. It can stay there for years. Instead, use your rights under the Fair Credit Reporting Act (FCRA) to remove Sequium from your credit report and repair your credit.

According to the FCRA, a debt collector or creditor cannot report false information to the bureaus. If they do, report them to the FCRA and the Consumer Financial Protection Bureau (CFPB). A dispute letter is easy to write. Use this template, and send it to the major credit reporting bureaus at the addresses below to remove the error from your report.


Credit Reporting Agency Addresses

Experian

Equifax

TransUnion

P.O. Box 4500
Allen, TX 75013

P.O. Box 740256
Atlanta, GA 30374

P.O. Box 2000
Chester, PA 19016



How to win a debt lawsuit against Sequium

The last of Sequium's tactics is to take you to court. When that happens, don't ignore the case. When debt collectors sue, they are betting on you to ignore the case. The court issues a default against against you if you don't respond. The judge can order wage garnishment, property liens, or a freeze on your bank accounts.

It can feel intimidating to respond to an official court Summons and Complaint. But the first step to beating Sequium in court is to file a written Answer to the case. Here's how.

Follow these three steps to respond to a debt lawsuit against Sequium Asset Solutions, LLC.

  1. Answer each claim listed in the Complaint document. When you're sued for a debt, you should receive a Summons and Complaint document notifying you of the lawsuit. In your Answer, the most important thing to do is respond to each claim listed in the Complaint document. You can admit, deny, or deny due to lack of knowledge. Keep in mind that most attorneys recommend denying as many claims as possible, which forces Sequium to prove its claims. If they can't prove everything, they might just drop the case altogether.
  2. Assert your affirmative defenses. An affirmative defense is any legal reason that Sequium shouldn't win the case. You can bring up several affirmative defenses in your Answer, but if you don't assert them in your initial response to the lawsuit, you can't bring them up later on in the case. This is why it's so important to include your affirmative defenses in your Answer. For example, the statute of limitations is a common affirmative defense used in debt collection lawsuits.
  3. File your Answer with the court, and send a copy to Sequium. You have 14-35 days to file the Answer before a default judgment will be entered against you. If this happens, Sequium can garnish your wages and put liens on your properties. You can send the Answer to the court via mail, drop it off in person, or file it electronically (this option is only available in some courts). After you've filed the Answer in court, make a copy and send it to Sequium. Make sure to request a return receipt, so you have proof that you sent it.

Check out this video to leanr more about these three steps:

In response to the lawsuit, you may decide to countersue Sequium if they have violated your rights listed in the Fair Debt Collection Practices, such as

  • Calling you before 8:00 am or after 9:00 pm your time.
  • Using profanities when talking to you.
  • Sharing your debt details with unauthorized parties.
  • Threatening to take legal action and failing to follow through.

It's crucial not to fear when dealing with debt collectors. Remember, they are hoping that you don't know your rights. Outwit Sequium by asking for debt validation, reporting misconduct, removing them from your credit report, and filing your Answer to a lawsuit.

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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