Start My Answer

How to Beat Worldwide Asset Purchasing

Chloe Meltzer | December 01, 2022

Use the right defenses to keep debt collectors at bay.

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 Guides for Other States

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? We're 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 Defendant's 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 Spouse's 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

You're Drowning in Debt — Here's How to Swim

Help! I'm 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? Here's 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