How to Resolve Debt With Dynamic Collectors

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

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:

Address: 790 S Market Blvd, Chehalis, WA 98532
Phone: 1-800-464-3457
Email (for complaints): compliance@dynamiccollectors.com

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

Debt collector guides

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

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.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

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

Credit

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, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

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 settlement

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

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

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.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

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

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

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

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

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.

Wage garnishment

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 your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources

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