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Don't Make a Payment to Arnold Scott Harris

Chloe Meltzer | December 02, 2022

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: Is Arnold Scott Harris calling you for payment on an old debt? Find out if you should make a payment to Arnold Scott Harris.

Arnold Scott Harris, P.C. is a lawyer who acts as a debt collection agency. This agency is known for its consecutive robocalls and debt collection calls to the wrong consumer. They have been given a one-star rating by the Better Business Bureau, and for good reason. Consumers have recorded calls from Arnold Scott Harris at odd hours, on the weekend, and regarding debts that do not belong to consumers.

If you have received calls from Arnold Scott Hariss, you need to be careful. If the debt does belong to you then you can consider responding to a summons and complaint. If the debt does not respond to you then don't make a payment to Arnold Scott Harris because it may be a scam, or they may simply have the wrong number.

Avoid shady debt collection tactics by filing a response with SoloSuit.

Should you ignore a debt collection agency?

Although you usually should not make a payment to Arnold Scott Harris, in some cases ignoring a debt collector is not an option. For example, if you refused to pay a debt collector then they may end up filing a lawsuit against you. This can lead to a whole host of other problems.

Ignoring a debt collector means you are ignoring legal action. The first legal contact from a debt collection case is the complaint from the debt collector. In this complaint, you will be given a time frame, anywhere from 14 to 40 days.

If you ignore the lawsuit then you will lose the case immediately. This is definitely the worst-case situation and is called a default judgment. If you go to court and fight the debt but you lose, it will have a similar outcome.

Losing the case can lead to wage garnishments, and bank account garnishment, taking money directly from your account. Garnishment orders are reported to either your employer, or your bank, so it is definitely something you want to avoid. This money would go to pay off your debts.

Additionally, as long as you do not pay your debt, the interest will only rise. This means your interest will only increase.

Don't ignore a debt collection lawsuit. Respond with SoloSuit.

Should you pay a debt collection agency?

It may be a good idea to not pay a collection agency in a few situations. For example, if you have no income then you may not be worried about a judgment being placed against you, because you may be considered judgment proof. If you do not own property then you may not be worried about your assets being taken either.

As explained previously, this debt collector has a history of looking to collect on debts that do not belong to the consumers. If they are hounding you for a debt then you need to look into whether you truly owe it. If you do not owe it, do not pay it.

The statute of limitations is the time period that you can legally be sued for a debt. This period of time is different in every state but standardly runs anywhere from two to 10 years. The last payment you make on debt is the day that the clock on the statute of limitations will begin. If the statute of limitations has expired then you should not pay the debt because it will reactive the debt.

If the statute of limitations has expired then you should not pay the debt as you can no legally be sued. If a suit is filed, it would be a violation of your rights. The same can be said if the collection agency can't show ownership of the debt. If they cannot prove you owe the debt in court, you will not have to pay it.

Make the right affirmative defense with SoloSuit.

Know when to pay a debt collection agency

Sometimes, paying a debt collection agency is the right decision. These agencies purchase these debts for very low costs, pennies on the dollar. Because of this you usually have a chance to negotiate a settlement and pay your debt off for less than you owe.

If you do settle the debt, be sure to ask for a letter that states your debt has been satisfied. This can be used as evidence at a later date to remove the collection from your credit report.

Overall, if you know that you owe the debt is yours, then you should look to settle it rather than ignoring it. Ensure that the statute of limitations has not expired, and then find a middle ground between yourself and the debt collector to eliminate the debt from your life.

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

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