Start My Answer

How to Resolve Debt With Dynamic Collectors

Sarah Edwards | November 27, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Getting a letter or phone call from a collection agency like Dynamic Collectors is never a good thing. Fortunately, if you take the right steps, you can resolve this stressful problem. In this article, SoloSuit teaches you how to do just that.

We’ve all heard stories about debt collector calls that end up being scams. And unfortunately, it can be hard to tell the difference between a scam collection call and the real thing. If you’ve been getting calls from Dynamic Collectors Inc., you’re talking to a legitimate company. But are the debts they’re asking you to pay legitimate? Here’s what to do about a debt you allegedly owe to Dynamic Collectors.

Settle your debt with Dynamic Collectors.

What is Dynamic Collectors?

Dynamic Collectors, in Chehalis, Washington, is a debt collection agency. Unlike many larger collection companies, Dynamic Collectors is only licensed in Alaska, Oregon, Idaho, Montana, Utah, and Washington. This company has been in business since 1990, so it’s one of the longer-lasting debt collection agencies.

Here’s the contact information for Dynamic Collectors:

The photo below is Dynamic Collectors Inc’s office building in Chehalis, WA:

Despite it being relatively small company, Dynamic Collectors works with many different types of unsecured debt:

  • Medical and dental bills.
  • Promissory notes.
  • Property management.
  • Utility bills.
  • Court costs and government-issued fines.

Dynamic Collectors reviews

The Better Business Bureau (BBB) accredits Dynamic Collectors Inc. Its BBB profile shows that it has a rating of A+. However, judging from the number of complaints against it, consumers may disagree.

Compared to many other debt collection companies, Dynamic Collectors doesn’t actually have that many complaints submitted to the Consumer Financial Protection Bureau (CFPB).

However, Dynamic Collectors reviews on Google are not great, with an average rating of 1.6 out of 5 stars on Google reviews. Read some real reviews below:

Notably, Dynamic Collectors is part of the 1% of credit and collection companies that are Blueprint Quality Management System Certified. Blueprint is a system of best practices designed to ensure quality service, data security, an improved experience for customers and consumers, and more.

Respond to a debt collection notice.

Make Dynamic Collectors prove you owe something before you pay anything

Have you gotten a notice from Dynamic Collectors? Before you rush off to pay it (or start panicking because you don’t have the ability to pay it right now), remember that you have certain rights when dealing with debt collectors. Those rights are outlined in the Fair Debt Collection Practices Act (FDCPA).

We won’t go through this lengthy bill right now. Instead, we want to focus on one very important provision.

Theoretically speaking, anyone could mail you a letter saying you owe a certain amount of money. So to improve transparency and cut down on the risk of fraud, the FDCPA gives you the right to ask a collection agency to prove that you owe the money in question.

You should always make this request in writing. When you do so, it’s called a Debt Validation Letter. When you write a Debt Validation Letter, you need to make sure you ask a few very specific questions. If the collector can supply all the necessary documentation, it’s proven you owe the debt. Here’s what you should ask for in a Debt Validation Letter:

  • The name of the original creditor.
  • Exactly how much you (allegedly) owe.
  • A copy of the contract you signed with the original creditor.
  • The last purchase, payment, or other transaction made on the account in question.
  • Proof that Dynamic Collectors (and not another agency) is authorized to collect your debt.
  • Dynamic Collectors’ license number in your state of residence.

If you’re going to send a Debt Validation Letter, you should do so within 30 days of hearing from Dynamic Collectors. The company should not continue to contact you about the debt; once its representatives receive your Debt Validation Letter, their next communication should be their reply. That reply (or lack thereof) will determine what you do next.

Draft a Debt Validation Letter online in minutes.

What happens if Dynamic Collectors validates your debt?

In many cases, debt collectors simply stop bothering you once they’ve received a Debt Validation Letter. This might mean that you never owed the debt in the first place. Alternatively, it could signify that the agency didn’t have all the documentation needed to prove that you owe it.

However, it’s also possible that Dynamic Collectors could have proven you owed the debt, but the company chose not to. Why? As you can probably tell by looking at the list above, collection agencies need to supply a good bit of documentation.

Because collectors send mail and make phone calls to so many people, they might find that it’s more cost-effective to stop dealing with you. Instead, they will turn their focus toward consumers who will pay up without asking questions.

In some cases, the company might get back to you with all the required documentation. This proves that you owe the debt, so you’re obligated to pay it. But before you jump onto the Dynamic Collectors online portal, make sure you’ve exhausted your other options: settling or setting up a payment plan.

Let’s consider an example.

Example: Bobby has just received a letter from Dynamic Collectors validating his $400 debt. Unfortunately, he’s tight on money and can’t pay it all right now. He gets in touch with the company and offers to pay $300 to settle the debt now. But before he calls, he makes sure he has a backup plan. If Dynamic Collectors rejects the settlement, he’ll ask if he can instead pay them $100 per month for four months.


Whatever you do, don’t ignore a reply to your Debt Validation Letter. If a collector hears nothing from you, it might file a lawsuit against you.

If Dynamic Collectors has already started a lawsuit, it’s not too late. Check out SoloSuit’s video on how to settle a debt collection lawsuit.

Take control of your future and resolve your debt

Getting a letter or phone call from Dynamic Collectors Inc. can be stressful. But if you’re proactive and ask for a debt validation, you can make sure you do actually owe money. If you must pay something, you might be able to negotiate a settlement or payment plan. When you handle your debt, you can set yourself free.

If you’ve been sued for a debt, try SoloSuit’s Answer service. We will file an Answer document for you so you don’t lose by default.

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started