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What should I do if Crown Asset Management is Suing Me?

George Simons | December 06, 2023

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: If you've been sued by Crown Asset Management, you have up to 35 days to respond, depending on where you live. You should respond with an Answer document where you reply to each claim against you and assert your affirmative defenses. Crown Asset Management is a professional debt collection agency, so they know how to play the debt collection game. Luckily, you're not alone. You can use SoloSuit to respond to a debt collection lawsuit in just 15 minutes.

If you keep getting intimidating and harassing phone calls from a debt collection company like Crown Asset Management, you may be feeling anxious, stressed out, and overwhelmed with uncertainty about your financial future. SoloSuit understands how you feel and is here to help.

It is important to know that you have legal rights when contacted by debt collectors like Crown Asset Management, and there are certain affirmative defenses you can raise that may help you beat Crown Asset Management in a debt collection lawsuit.

In this article, we will break down everything you need to know about Crown Asset Management and how to respond when they come after you.

Let's get right to it.

What is Crown Asset Management services, and how do they work?

If you're being sued by Crown Asset Management and have no idea who they are or why they are trying to haul you into court to collect on an outstanding debt, you are not alone.

Crown Asset Management is a debt collection agency that specializes in buying old debts. This means that Crown Asset Managements purchases charged-off debts from other companies at a substantial discount. They then file collection lawsuits and unleash aggressive debt collectors on consumers in the hopes of getting those delinquent debts repaid in full.

As to why Crown Asset Management is suing you,, the answer is simple: they want to make a profit. The business model of Crown Asset Management collections is primarily purchasing delinquent debts for pennies on the dollar and if they can collect on those debts, they make money. Suing you is part of their strategy to try and collect on the outstanding debt with the objective of generating a large profit.

Crown Asset Management debt collectors will file a lawsuit and rely primarily on “business record affidavits” to prove they have a valid collection case against you. If you are served with a collection lawsuit that is accompanied by such an affidavit, do not give up hope. It is possible to raise specific defenses that reveal the glaring deficiencies in Crown Asset's Complaint.

SoloSuit helps you make the right defense the right way.

Crown Asset Management has bad reviews and many complaints

If you are feeling harassed or mistreated by Crown Asset Management, you're not alone.

As of 2022, the Better Business Bureau received 45 complaints against Crown Asset Management in a three-year period, while the Consumer Financial Protection Bureau reported more than 100 complaints over the last 10 years. Crown Asset Management's BBB profile shows an average rating of 1 out of 5 stars based on 11 reviews. Out of almost 70 Google reviews, Crown Asset Management has an average rating of 1.6 out of 5 stars.

Many of these complaints describe how Crown Asset Management violates the Fair Debt Collection Practices Act (FDCPA). Some of the questionable tactics reported by these complaints include:

  • Suing people for fraudulent debts.
  • Failing to validate a debt when requested.
  • Misrepresenting how payments will be applied to a debt account and not reporting the status of a debt account.
  • Reporting false or inaccurate information to the credit reporting bureaus.
  • Failing to report when a debt has been paid off.
  • Trying to collect on a debt that the consumer does not owe.
  • Using deceptive forms to convince consumers, fraudulently, that they owe a debt.
  • Hanging up on consumers when they call to discuss the debt.

Now that you know some of the sketchy debt collection methods that Crown Asset Management uses, let's take a look at a real complaint from the CFPB database:

“I have sent letters to this debt collector and they are attempting to collect on a debt not authorized by an original agreement. They have not produced any agreement that shows that I owe a debt yet they are continuing to collect on a debt, fees, interest, and costs not authorized by an original agreement. They have also threatened me with legal action that they can not actually take and I feel very harassed. Additionally, they have failed reported inaccurate information to my credit report including, but not limited to failing to update the credit bureaus to state consumer disputes.”

If you have experienced any of these actions at the hands of Crown Asset Management, you might be eligible for compensation of up to $1,000 per FDCPA violation. The FDCPA can protect you from unethical and abusive debt collection tactics, and this is why you should learn about your consumer rights when Crown Asset Management collections contacts you.

Knowing your rights under the FDCPA will protect you

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers, like you, from unfair debt collection practices. When you know your rights under the FDCPA, you will be better equipped to fight back against a Crown Asset Management lawsuit. According to the FDCPA, Crown Asset Management debt collectors cannot do any of the following:

  • Contact you after 9 p.m. or before 8 a.m.
  • Attempt to collect a debt that does not belong to you
  • Threaten legal action and arrest
  • Call after you request them to stop
  • Lie and pretend to be lawyers
  • Contact your family, friends, or coworkers about your debt

When you inform Crown Asset Management that you know your rights and you will report them when they violate any rule, they will be prompted to use the proper channels to collect the debt. Report any abuse to the FTC online platform or call 877-382-4357, submit a complaint on the CFPB website, or call 855-411-2372.

Respond to Crown Asset Management LLC lawsuit

If you are served with a collection lawsuit by Crown Asset Management, there are specific actions you should take to protect your rights and to position yourself for victory in the impending court battle with this debt collector.

First and foremost, do not ignore the lawsuit. Ignoring a lawsuit means you will lose by default. Many people who get sued by Crown Asset Management let anxiety and fear paralyze them to the point that they do not take action and are left hoping that the lawsuit just goes away. This is what many debt collection companies, including Crown Asset Management, hope you will do.

The sad reality is that Crown Asset Management LLC, along with a plethora of other debt collection companies, prey on vulnerable and stressed out consumers who are struggling to keep their heads above water financially. When they file that lawsuit against you, they are basically taking a calculated gamble that you won't respond to the lawsuit and they'll be able to get a default judgment ordered against you.

With a default judgment, Crown Asset Management can garnish your wages, put liens on your property, and even freeze your bank account.

The first step to beating Crown Asset Management in court is to respond to the lawsuit with a written Answer. Here's how.

SoloSuit can help you respond to Crown Asset Management debt collectors fast.

Follow these steps to Answer a debt collection lawsuit against Crown Asset Management LLC

When Crown Asset Management sues you for a debt, you should receive a court Summons and Complaint. These are the legal documents that initiate a lawsuit. The Summons is the official notice that you are being sued, while the Complaint lists all the specific claims against you.

You have up to 35 days to respond to a debt collection lawsuit, depending on which state you are in. Follow these six tips to draft an Answer to your debt collection lawsuit against Crown Asset Management:

  1. You don't need to give a detailed answer: The Answer is a brief document. It isn't the place to tell your life story or give your entire defense. Be as straight to the point as you can be.
  2. Never admit debt liability: The complaints document comes with numbered paragraphs. Respond to every paragraph. You have three options: deny, admit, or deny for lack of knowledge. As a rule of thumb, lawyers advise you to deny, deny, deny. Let the plaintiff prove your responsibility for the debt.
  3. Include your affirmative defenses: These are reasons why you think the plaintiff is wrong to sue you. Assert your affirmative defenses for each paragraph. You don't make these up; there are options. For example, you don't owe the debt, you already paid part of it, the statute of limitations has expired, or you need the plaintiff to provide proof.
  4. Use standard formatting or "style: Court documents need to be formatted in a certain way. For instance, an answer will include the defendant's (your) name, physical and email address, name of the court, the identity of the plaintiff, case title, and case serial number. The spacing and page format should also follow an acceptable style for the answer to be considered professional. If you're having trouble, you can use SoloSuit's template.
  5. Include the certificate of service: A brief document containing the name of the court, the name of the plaintiff, and the date you're sending it. If the plaintiff has an attorney, you should serve the attorney and not the company.
  6. Make sure you sign the document: The document is null and void if you don't sign it. A signature means that you accept the document as true, or you have reason to believe that everything you filled in is accurate. You may print and sign manually or sign it electronically before you mail the letter.

After you've drafted your Answer with the help of these six tips, don't forget to file it with the court and send a copy to the attorneys representing Crown Asset Management. You can file your Answer in the court via mail, in person, or through electronic filing in some states. You should send a copy of the Answer to the opposing attorney via USPS certified mail with a return receipt requested.

SoloSuit can help you draft and file your Answer in 15 minutes.

Now, let's consider an example.

Example: Janet, who lives in California, is getting sued by Crown Asset Management for an old credit card debt of $800. After doing some research online, she finds out that Crown Asset Management purchased the debt from the original credit card company for $10, and now the collectors are trying to get her to pay off the full amount. She uses SoloSuit to draft and file an Answer document where she denies all of Crown Asset Management's claims and asserts her affirmative defenses. After a few weeks, she finds out that Crown Asset Management cannot prove all their claims because they didn't receive the correct documents from the original creditor when the debt was transferred. Crown Asset Management decides to dismiss the case.


Learn more about these six tips in this video:

SoloSuit helps you fight Crown Asset Management LLC

The objective of SoloSuit is to help demystify the process of responding to a lawsuit filed by a debt collection company. As mentioned, many debt collection companies prey on consumers who do not understand the complexities of the legal process.

When Crown Asset Management first contacts you about a debt, try sending them a Debt Validation Letter. This is a formal request for them to validate a debt before they can take you to court. If they don't have the proper evidence to prove that the debt is valid, they will probably stop contacting you altogether.

To learn more about the debt validation process, 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.

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