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Do Debt Collectors Ever Give Up?

Chloe Meltzer | January 10, 2024

Chloe-Meltzer
Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

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: Are you being sued by a debt collector for an old debt? Wondering if they'll ever stop coming after you? Learn why that debt collector is suing you and how to win your case with the right defense.

When it comes to debt collection, the act is performed by professional debt collectors and collection agencies. Their end goal is to make money by collecting on debts. If the debt is not collected, then the debt collector does not make money. In many cases, although you would think that debt collectors would eventually give up, they are known to be relentless.

Debt collectors will push you until they get paid, and use sneaky tactics as well. This is why it is essential to know what to do when pursued by a debt collector and what your rights are as a consumer.

Don't let debt collectors push you around. Respond with SoloSuit.

What is a collection agency?

Collection agencies are hired by different businesses or money lenders. They work to collect payment on overdue bills and loans. Often these collection agencies will not walk away from an account regardless of how little you owe. It is essential to know your rights because as a consumer you are protected by the Fair Debt Collection Practices Act (FDCPA).

What happens when you default on your debt

If you do not pay your consumer debt, such as a credit card bill, student loan payment, or medical bill, then you will be given a written notice that you have been sent to “collections” aka a collections agency. This means that you need to pay your debt, or you might be sued.

If you continue to avoid paying your debt, then the creditor will place your account into default. This leads to fees, a higher interest rate, and eventually a lawsuit. Your credit score may also decrease which can prevent you from obtaining a mortgage, car loan, or new credit cards.

Protect your property from debt collectors by filing a response with SoloSuit.

Understanding the debt collection process

The debt collection process begins when it is handled by the creditor. You will receive letters and maybe even phone calls that are seeking you to collect on the debt. After a few months, it might then be handed over to a collection agency. At this point, you will be contacted by the collection agency who may ask you about your bank accounts, your personal property, and other ways to begin planning to garnish your debt. Eventually, they may sue you for non-payment.

Collection agencies vs. debt buyers

Collection agencies are businesses hired by original creditors such as credit card companies. They work to collect on delinquent debts such as medical bills, credit card bills, student loans, cell phone bills, utility bills, and personal loans. They might be aggressive and will call you as much as they can. You might receive letters and emails asking for payment. It can feel like a nightmare.

On the other hand, a debt buyer is someone who purchases your debt to collect it. Collection agencies can also become debt buyers. Once the debt is sold, it will go on your credit report and this will lower your credit score. Overall, it is essential to attempt to settle or pay off your debt. If you do not, then it will lead to more debt and a lower credit score.

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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"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

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>>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

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Civil law legal definitions

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