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How to Resolve Debt With Van Ru Credit Corporation

George Simons | January 31, 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: Van Ru Credit Corporation will persistently contact you about unpaid debts, but you can resolve the issue. Validate the debt, respond to any pending lawsuits with a written Answer, and contact Van Ru Credit to discuss your options, negotiate, and settle the debt.

If you are being contacted by a debt collector such as Van Ru Credit Corporation, then you may be feeling overwhelmed, intimidated, and unsure about your future. If the stress of being contacted by a debt collector was not bad enough, there is a high likelihood that you will wind up getting served with a debt collection lawsuit if you choose to ignore it.

If you find yourself in this difficult situation, your mind is probably inundated with questions, including: “What steps can I take to beat Van Ru Credit Corporation in court?” Solo is here to help. The information offered by Solo is designed to help you effectively engage with Van Ru Credit Corporation and other debt collectors.

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Who Is the Van Ru Credit Corporation?

Van Ru Credit Corporation is a debt collection agency that has been hounding consumers for decades. The agency was originally founded in the 1950s and operates out of a headquarters based in Des Plaines, Illinois.

You can contact the company at the Van Ru Credit Corporation phone number or address listed below:

  • Phone: (800) 468-2678
  • Address: 1350 E Touhy Ave #300e, Des Plaines, IL 60018

Who does Van Ru Credit Corporation collect for?

Van Ru Credit Corporation is a “full-service” Accounts Receivable Management company that “specializes” in the collection of third-party debts. In other words, Van Ru Credit collects for creditors, banks, credit card issuers, loan companies, etc. .

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Read Van Ru Credit Corporation reviews online

Looking for information about what other people have said regarding their debt collection experience with Van Ru Credit Corporation? If so, check out these real online reviews:

It’s reasonable to say the online reviews for Van Ru Corporation are not all five stars. Despite the mixed reviews, 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 Van Ru Corporation, are willing to work with individuals to resolve their debt issues.

Negotiate a debt settlement with Van Ru Credit Corporation

If you know that you owe the debt and want to avoid going through the contentious and stressful litigation process associated with a debt collection lawsuit, then you should consider negotiating a debt settlement. Van Ru Corporation may agree to settle for a lesser amount than nothing at all, especially if you make a reasonable lump sum offer.

If you were served with a Summons and Complaint regarding a debt collection lawsuit, then now is the time to act and not bury your head in the sand hoping the debt will magically disappear. If you take just a few proactive steps, you could potentially get Van Ru Corporation off your back and get them to accept a significantly lower amount through negotiated settlement.

Here are some steps you can take to negotiate a debt settlement with Van Ru Credit Corporation:

  1. Calculate what you can pay towards the balance of the amount owed. For example, if you owe $10,000 and could you reasonably pay half that amount, while still having money left over to cover your living expenses, then this analysis can serve as a settlement guidepost to help steer negotiations.
  2. Make a reasonable settlement via a debt settlement letter requesting that the firm consider your offer. The settlement offer should be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your first offer. Make sure to engage in written settlement communications with Van Ru Credit Corporation and continue to use written communication throughout the process.
  3. If you have success reaching an agreement on a settlement amount after negotiations, draft a Debt Settlement Agreement for both parties to sign.
  4. Be sure to pay the agreed amount in time.

Learn more about how to settle your debt with Van Ru Credit Corporation by watching this informative video:

SoloSettle makes it easy to start the debt settlement negotiation process. Remember to keep copies of all agreements you reach with Van Ru Corporation and honor your part of the agreement.

How to respond to a Van Ru Credit Corporation lawsuit

If you are served with a Complaint filed by Van Ru Credit Corporation, it is vitally important to respond to the lawsuit. Also, your response needs to be filed within the timeframe set forth by the Court.

One of the most common mistakes people make when they are sued by a debt collection company like Van Ru Credit Corporation is failing to respond to the lawsuit. Whether you actually owe the debt or believe you were sued by mistake, you need to take action and file a formal response to the lawsuit. In legal terms, your response to the Complaint is known as an Answer.

The reason filing an Answer is so important is because failing to do so is admitting defeat and letting Van Ru Credit Corporation file a motion to obtain a default judgment against you. Once a default judgment is entered by the Court, you are effectively at the mercy of Van Ru Credit Corporation. They would then be empowered to garnish your wages, take money from your bank account, collect attorney's fees and court costs, and seize your personal property.

Another important reason to file a formal Answer to the debt collection lawsuit is that many debt collection companies like Van Ru Credit Corporation assume you will not file an Answer. This is because the vast majority of people who are subjected to a collection lawsuit will fail to file a response. As a result, when you take the time to file an Answer, it catches many debt collectors off guard and could create an opportunity to try and reach a settlement or out-of-court resolution with the debt collector.

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Make Van Ru Credit Corporation Prove That You Owe the Debt

The debt claimed in the lawsuit filed by Van Ru Credit Corporation may have been packaged, sold, and resold by multiple companies. As a result, a strategy for challenging the collection lawsuit is simply requesting that the debt collection company provide evidence that you actually owe the alleged debt.

For example, you should request that the collection company provide a copy of the signed agreement and balance on the purportedly delinquent account from zero to the present.

As mentioned earlier, many debt collection companies assume people will not file a formal Answer to the debt collection lawsuit and they will obtain a default judgment. There are many instances when the debt collector fails to take the time to confirm that they have the legal ability to sue you for the debt. Keep in mind, if the applicable statute of limitations has expired, the debt collector is prohibited from suing you. In most states, a debt collector only has a finite amount of time to sue you for an alleged delinquent debt.

If it turns out that the statute of limitations has lapsed, you can raise this issue as an affirmative defense that could enable you to file a motion to dismiss the debt collection lawsuit entirely.

File a counterclaim

In addition to raising different affirmative defenses in response to a debt collection lawsuit, you also have the option to go on offense by filing a counterclaim against this debt collection company. A counterclaim could be pursued if there is evidence that a collection agent possibly violated a provision, or provisions, of the Fair Debt Collection Practices Act (FDCPA).

Here is what you need to do if you receive a debt collection notice or debt collection lawsuit:

  • Keep track of any phone calls made by a debt collector affiliated with Van Ru that occurred before 8:00 A.M. or after 9:00 P.M.
  • Keep track of any phone calls made to your workplace.
  • Keep track of any vulgar or inappropriate language used by the debt collector when they speak with you.
  • Make sure to file your Answer to the Complaint on time.
  • In your Answer, make sure to raise affirmative defenses like the statute of limitations and demand that the debt collection company provide proof of the specific amount owed.

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