Is CSIEZPay Legit? How to Resolve Your Debt

George Simons | January 24, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

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: Is CSIEZPay coming after you for a debt? Solo can help you know your rights, respond, and negotiate to resolve your debt issue.

If you fall behind on making payments towards a loan, credit card, mortgage, etc., do not be surprised if you are contacted by a debt collector. This is because banks, credit unions, and other financial institutions will typically transfer a delinquent account to a professional debt collection company in the hopes of recouping some or all of the balance owed. One such debt collection agency is Client Services, Inc. (also known as CSI).

If you are being contacted by a CSI debt collector, do not give up hope. You have legal rights and options to resolve your debt issue. . Solo is here to help show you how to proactively engage with CSIEZPay and CSI and get the debt collection matter off your back. For example, you could communicate with the debt collector and try to negotiate an amicable debt settlement.

Settle debt with CSIEZPay

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is CSI and CSIEZPay?

As mentioned, CSI is a debt collection company doing business out of St. Charles, Missouri. In addition, CSI has an office in Kansas Lenexa.

If you've been contacted by CSI about a debt, you might be wondering if it's a scam. Client Services, Inc. is a legitimate debt collection agency. Here is their contact information:

Who does CSIEZPay collect for?

CSIEZPay collects for companies that issue auto loans, credit cards, student loans, medical services, and more.

Read CSI reviews online

If you want to find out what consumers have said about their experience with CSI and whether it is possible to negotiate a debt collection settlement, then take a moment to read these reviews:

Despite CSI’s online reviews being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including CSI, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Know your rights under the FDCPA

If you are being subjected to harassing phone calls, emails, and correspondence from a CSI debt collector, do not throw your hands up in despair. You have legal rights and protections under the Fair Debt Collection Practices Act. The FDCPA is a federal law that established guidelines on how debt collectors can act, including:

  • Debt collectors can never contact you when you are working.
  • Debt collectors cannot use rude or vulgar language when talking to you on the phone or in emails or texts.
  • Debt collectors are not allowed to threaten lawsuits.
  • Debt collectors cannot contact you before eight in the morning or after nine at night.

If you are a victim of any of the actions listed above, you may be entitled for compensation. You could potentially sue CSI for up to $1,000 per violation of the FDCPA. Most importantly, you should file a report with the FTC, CFPB, or your state's attorney general today.

As CSIEZPay to validate your debt

No matter how you receive a debt collection notice, it is extremely important to confirm the amount that is actually owed (if any), the date of the purported debt, and any other pertinent information related to the creation of the debt and how you are associated with the debt. In order to accomplish this and retrieve such information, you need to send a Debt Validation Letter to CSI.

Under the FDCPA, you have the legal right to demand debt verification from the debt collector. Once you send out the debt validation letter, CSI is legally obligated to provide a response within 30 days of receiving the letter validating the debt. If the company fails to do so, then they will be prohibited from pursuing that debt any further.

Many people are surprised to discover how often debt collection agencies will simply give up and halt their pursuits after receiving a properly-drafted request for debt validation from a consumer.

When demanding a debt validation, remember that the debt collector must provide specific pieces of information in its response. For example, if the debt collector is unable to verify the amount owed by providing accurate documentation, including proof of the amount, account numbers, and ownership of the debt, you should be able to get any debt collection lawsuit dismissed and any negative information removed from your credit report.

Confirm the statute of limitations on debt in your state

When figuring out how to beat CSIEZPay, take the time to determine your state's statute of limitations for debt collection. Every state has a different limitations period that applies to the collection of an outstanding debt. When a specific amount of time has elapsed, a debt effectively dies and becomes “zombie” debt that is no longer collectible through a lawsuit. In other words, if the statute of limitations has passed on your debt, then CSI cannot sue you over it. As mentioned, every state is different, but the limitations period is generally between four and six years.

Don't agree to make any payments through CSIEZPay until you've figured out the statute of limitations on your debt. Making a payment on a debt account will restart the clock on the statute of limitations.

Negotiate a debt settlement with CSIEZPay

If you know the debt is yours and will need to be repaid, then you can take proactive steps to try and negotiate a debt settlement. CSI may be amenable to a settlement for a lesser amount than what is actually owed. CSI may also agree not to report your account to credit bureaus once you pay the settlement. The debt settlement process can be as simple as these four steps:

  1. Respond to the pending debt collection lawsuit filed by CSI.
  2. Calculate how much you can afford to pay based on the amount owed.
  3. Send a settlement offer to CSI and be prepared to engage in a back-and-forth negotiations process.
  4. If you can reach an agreement, then get the debt settlement terms in writing.

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process.

What should I do if Client Services Inc. sues me for debt?

Even if you demand a debt validation or have proof that the debt being pursued is beyond the limitations period, CSI may still decide to file a lawsuit. If this happens, you will be, or already have been, served with a court Summons and Complaint. Do not throw these away since they are legal documents notifying you of CSI's debt collection lawsuit. In addition, the Complaint will list each specific claim CSI is making against you.

Once you are served with the lawsuit, you have 14-35 days to respond before you lose by default. When you lose by default, CSI may have the right to garnish your wages, freeze your bank account, or put liens on your property. When sued for debt, you should be proactive and get to work on drafting a written Answer with the court.

Draft an Answer to a debt collection Complaint from CSI

When drafting an Answer to CSI's debt collection lawsuit, make sure to keep it simple and straightforward. Leave out extraneous details or unrelated information that is not directly relevant to the alleged debt. Instead, simply answer each allegation listed in the Complaint document (these are usually found in a numbered list) with one of the following answers:

  • Admit: This is like stating, “this is true.”
  • Deny: This is like stating, “prove it.”
  • Deny due to lack of knowledge: This is like stating, “I don't know.”

If you ask an attorney, they will likely recommend denying as many of the allegations in the Complaint as possible. Why? Because it effectively creates more work for CSI's counsel to prove their case. In fact, if you draft a proper Answer denying a majority of the allegations, CSI may opt to simply dismiss the case rather than go to the trouble of proving all their claims.

Let's take a look at an example.

Example: Susan is being sued by Client Services Inc. for an old credit card debt in Illinois. She uses SoloSuit to draft an Answer where she responds to each claim listed in the court Complaint document. She also does some research and finds out the statute of limitations on credit card debt in Illinois is five years. Her debt is from seven years ago, and she hasn't made any payments on the account since then. She includes this as an affirmative defense in her Answer document. SoloSuit files the Answer for her within the deadline (which is 10 days in Illinois). After a few weeks, she finds out that CSI has dropped the case because the debt has already passed the statute of limitations, and she technically cannot be sued for it.


Use Solo to represent yourself and save money on an attorney

Speaking of attorneys, you may be under the belief that you need to hire one to draft and file your Answer for you. This is not true. SoloSuit can help you represent yourself and offers guidance on how to draft and file an Answer. In fact, you can make a free Answer on Solo’s website in less than 15 minutes. Here are 6 tips for drafting the best Answer possible. The Answer isn't the place to tell your side of the story in detail.

  1. The Answer is not the place to tell your side of the story in detail.
  2. Deny Deny Deny.
  3. Include defenses.
  4. Use standard formatting or “style”.
  5. Include a certificate of service.
  6. Sign it.

Solo’s free Answer form incorporates all of these 6 tips, and you can use it to draft your own Answer in less than 15 minutes. To learn more about the 6 tips, check out this video:

Best of luck!

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