Summary: Is US Bank suing you for a debt? SoloSuit can help you take a stand and win in court.
Debt collectors cause consumers prolonged stress with their endless requests to pay off debts. US Bank Collections is no exception, as they have a whole department dedicated to aggressively seeking consumers to pay money they owe.
Receiving calls from US Bank Collections can be intimidating, considering they are the fifth-largest banking institution in America. US Bank is Better Business Bureau (BBB) accredited with an A+ rating but a weak customer review five-star rating of 1.11. The over 5,000 customer complaints in their BBB profile range from:
Charging exorbitant late fees
Dealing with unprofessional agents
Failing to close cleared accounts
Giving wrong debt figures
US Bank Collections are liable to legal action if they break the law. Organizations such as The Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) protect consumers, like you, against mistreatment and the use of illegal tactics to collect debt. How can you beat US Collections? Today, we will give you tips on dealing with US Bank debt collectors and what to do if they take you to court.
Tips for dealing with US Bank Collections
Debt collectors assume that consumers do not know their rights or the process that goes into debt collection. They exploit consumers by harassing them, using threats, and exaggerating the debt amount. You can beat US Bank Collections by taking the following steps.
Exercise your consumer rights
The Fair Debt Collection Practices Act provides a limitation on what US Bank debt collectors can do when they contact you. For example, they cannot lie to you or pretend to be an attorney, threaten you with arrest, call you before 8 am or after 9 pm, or discuss your debt with your family members, friends or coworkers.
If US Bank collections violates these rules, you can report them to the FTC online platform or call 877-382-4357. You can also submit a complaint on the CFPB website or call 855-411-2372. US Bank Collections contact information is:
US Bank Collections
800 Nicollet Mall
Minneapolis, MN 55402-7000
Keep all communications with US Bank collection in writing
Sometimes US Bank debt collectors use words and phrases that are illegal, give you incomplete information, or avoid going through the entire legal process of debt validation. Letting them know you want to do everything in writing will prompt them to follow FDCPA guidelines. Request them to send all information by email or write everything they say while on a call with them.
Request a debt validation
Debt collectors dislike receiving a debt validation request because they have to prove the debt is valid with proper documentation. You can request a debt validation by sending a Debt Validation Letter to US Bank collection department. It will help you confirm your debt and give you time to come up with a game plan.
The debt validation notice US Bank Collections send should also include your right to dispute the debt within 30 days after receiving the document and a statement permitting you to request more information if the validation notice is not clear.
Most collection agencies and creditors would rather move on than validate a debt. Debt validation takes time and resources that might even outweigh the debt you owe, so sending a Debt Validation Letter is a smart move to get collectors off your back. If US Bank hasn't kept all the documentation proving you owe a debt, they won't have a case at all.
To learn more about how to make a Debt Validation Letter, check out this video:
Request a credit report and history
Consumers have a right to receive one free copy of their credit report yearly from Equifax, Experian, and TransUnion credit bureaus. Cross-check that US Bank Collections has not added inaccurate debt figures to your credit report. If you find errors, you can dispute the debt and request the credit bureaus to remove or correct the mistakes. According to The Fair Crediting Report Act, credit bureaus should only report accurate information. If the US Bank Collections cannot verify the figures, they must remove the debt from your report.
What to do if US Bank Collections takes you to court
US Bank Collections have a right to take you to court if you ignore their attempts to collect a debt. Consumers are also sued because they responded to US Bank Collections without verifying the debt allegations, giving US Bank Collections the upper hand to proceed to court. You have the law and consumer rights on your side, so here's how you can confidently face US Bank Collections in court:
Stay calm: Your first instinct may be to panic and make regrettable decisions such as signing a big check. Calming down will help you develop a well-thought response. US Bank Collections will make everything sound urgent and warn you of detrimental consequences if you do not pay the amount they quoted in the letter.
Represent yourself: Finding an attorney to represent you is expensive and time-consuming. You can represent yourself with SoloSuit's help. The first step to winning in court is to file a written response to the Complaint. SoloSuit's Answer document has proven effective in responding to and winning debt lawsuits.
Request documentation: For US Bank Collections to legally collect a debt, they must produce documentation that shows you agreed to pay the debt in question, the debt belongs to them, and the debt amount is accurate and still within the statute of limitation. Send a Debt Validation Letter requesting this information to US Bank Collections and the court.
Show up for court: You have to physically appear in court on the specified date in the lawsuit letter. You automatically lose with a default judgment if you fail to show up. This judgment means that you have to pay the debt amount US Bank Collections quoted, and it gives them the legal right to garnish your wages or seize your property
Know what to say: You have to phrase words to ensure you do not admit to owning the debt. The whole purpose of the case is to either get you to admit you owe the debt or US Bank Collections to prove that you owe them money. US Bank Collections are likely to win if you admit to owing the debt.
Whether US Bank Collections call you multiple times, send you countless emails, or take you to court, the best defense is to arm yourself with knowledge of your rights and debt collection laws. SoloSuit's debt lawsuit Answer templates can help you stop debt collectors in their tracks or beat them in court. To learn more about responding a debt lawsuit, check out this video:
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
It only takes 15 minutes. And 50% of our customers' cases have been dismissed in the past.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather