Start My Answer

How to Beat Worldwide Asset Purchasing

Chloe Meltzer | December 13, 2023

Summary: Are you being sued by Worldwide Asset Purchasing for an old debt you'd forgotten about? Respond quickly and win your case in court.

If you have fallen into debt you might be frustrated and worried. This is totally understandable because it can feel very overwhelming. Whether the reason for your debt is an illness, a disability, being laid off, or simply forgetting to pay your bills, you are not alone. Millions of Americans suffer from debt, but if a lawsuit is being brought against you then you must take action.

Especially if you are being sued by Worldwide Asset Purchasing, LLC for debt, then you need to be aware of a few things. Most often an original creditor (such as a loan officer or credit card company) will assign or sell your debt to a third party. This third-party debt collector (such as Worldwide Asset Purchasing) will go through every effort in an attempt to make you pay. You must learn your rights and take the right steps to beat Worldwide Asset Purchasing in court.

Who is Worldwide Asset Purchasing?

If you are being called or harassed by Worldwide Asset Purchasing, it is important to know what and who you are dealing with. This company is a debt collection agency located in Omaha, Nebraska. While it was established in 2007, over the last few years they have specifically purchased “junk debt.” This form of debt has typically been given a low credit rating by a rating agency. There is a higher risk that comes with junk debt, but along with higher risk also comes higher interest rates.

Some consumers have filed harassment suits against Worldwide Asset Purchasing. One example from 2012 shows a federal judge approving a settlement for 3,000 Maryland consumers. Worldwide Asset Purchasing had attempted to collect debts without being legally licensed to do so in that state. Also, many of those debts had passed the statute of limitations.

This leads us to understand how to fight a debt collection suit by Worldwide Asset Purchasing.

Respond to debt collection lawsuits in 15 minutes with SoloSuit.

The FDCPA Protects You From Aggressive Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) is a set of rules that governs how a third-party debt collector may talk to you, and address you. Essentially it states how they may legally attempt to collect a debt from you. The following is against the rules of the FDCPA and, if violated, warrants a countersuit:

  • Using profane language
  • Harassment in any way
  • Ignoring a request to cease communicating
  • Threatening legal ramification that they do not have the power to enforce
  • Disclosing your debt to family, friends, or any besides you, your spouse, or an attorney who represents you
  • Calling at odd hours, such as before 8 am and after 9 pm
  • Claiming that you owe a specific amount if it is not in the original creditor agreement

If any of the above have occurred or been inflicted on you from Worldwide Asset Purchasing, then you have legal recourse. These can be brought to the court as a defense to your debt collection lawsuit, allowing you to beat Worldwide Asset Purchasing.

Statute of Limitations for Debt Collection

The statute of limitations governs how long a consumer can be brought to court for debt. In some states, the statute of limitations is only three years, while it is most commonly from four to six years. In the state of New York, the statute of limitations is 20 years.

Often your debt will have been purchased by multiple debt collection agencies or individuals. When this occurs, the time will increase between yourself and the original debt. After the statute of limitation has expired, the debt collector officially loses their right to pursue recovery in court. This is because the debt is officially time-barred.

If you are being pursued for debt by Worldwide Asset Purchasing with the statute of limitations expired, this is an affirmative defense that you will need to raise in court. In this case, although the debt collector may no longer be able to pursue you in court, they may continue to attempt to collect the debt and report to a credit bureau. This may lead to a reduction in credit score and a negative credit report.

Don't let debt collectors push you around. Make a defense with SoloSuit.

What to Do When Served with a Debt Collection Lawsuit

Answer the Summons Quickly to Avoid Default Judgment

After receiving an official Summons and Complaint by Worldwide Asset Purchasing, you will need to respond as soon as possible. This must be done in an official “Answer.” You will only have 20 to 30 days to send your Answer. If you do not respond in the allotted amount of time, then you will be given a default judgment.

Default judgments occur when you either ignore the debt or simply do not respond. This default judgment against you allows the debt collector to begin garnishing your wages, taking money out of your checking account, and even trying to recover attorney's fees and related court costs.

Another reason why you want to respond is that debt collectors typically assume you won't respond. If you do respond to the lawsuit and ask for proof of your debt, they may not be able to offer this to you.

Ask for Proof of the Debt and Get Your Case Dismissed

When a debt collector files a lawsuit against you, you are allowed to ask for proof. This means you should ask for the following:

  1. Challenge the debt collector's ability to file a lawsuit against you
  2. Proof of the original debt in any form
  3. Proof that you owe the amount stated
  4. Proof that this debt collector has the right to sue you for the debt

Make the right defense with SoloSuit and win in court.

If Worldwide Asset Purchasing cannot produce any form of evidence that you owe the debt, you may request that the judge dismiss your case. This is important because when a debt collector sues you, the “burden of proof” legally rests with them. If the debt collector cannot prove their case, then they cannot legally pursue you for this debt.

If you are looking to beat Worldwide Asset Purchasing in court then you must act now and quickly. If you end up not creating a viable defense, then you may still be charged for the debt. In this case, you have the option to settle the debt for less than you owe. Whatever you do, always remember to respond to your summons promptly.

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


Get Started


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

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources