Start My Answer

How to Resolve a Debt With Lake Area Collections

Hannah Locklear | August 18, 2023

Summary: If Lake Area Collections has communicated with you about a debt, SoloSuit can help you respond to the initial contact with a Debt Validation Letter, respond to a debt lawsuit, and settle your debt before going to court.

Dealing with debt can be a challenging and overwhelming experience. When faced with a debt that has been handed over to a collection agency like Lake Area Collections, it's important to approach the situation strategically and proactively.

Keep reading for a comprehensive guide on how to resolve a debt with Lake Area Collections and how to take control of your financial situation and work towards a positive resolution.

Sued by Lake Area Collections? Use SoloSettle to settle your debt for good.

Settle with SoloSettle

Make an Offer

What is Lake Area Collections?

Lake Area Collections is a debt collection agency based out of Lake Charles, LA that specializes in medical debt collections. In business for nearly two decades, Lake Area Collections is a reputable agency that many clients trust to take care of their collections needs.

Lake Area Collections is accredited by the Better Business Bureau with an A+ rating. Despite its positive BBB rating, Lake Area Collections has received several complaints submitted to the Consumer Financial Protection Burea’s consumer complaint database. Many of the complaints claim that Lake Area Collections fails to validate debts upon request and often contacts consumers about medical debts that are already paid or are invalid.

As a consumer, you have a right to know about the supposed debt you owe. You can request a debt validation to get debt collectors off your back.

Make Lake Area Collections validate your debt

The first step in resolving any debt is to gain a clear understanding of what you owe. Contact Lake Area Collections to request detailed information about the debt. Ask for a breakdown of the original amount, any accrued interest or fees, and the dates of the debt. This information will help you verify the legitimacy of the debt and ensure that you are being treated fairly.

It's crucial to verify that the debt belongs to you and that it is within the statute of limitations for collection in your jurisdiction. Collection agencies are required to provide proof that you owe the debt. Send a Debt Validation Letter to formally request written validation of the debt. Lake Area Collections should respond with a copy of the original creditor's agreement and details of the debt's history. If they fail to provide this information, you may have grounds to dispute the debt.

Below is the contact info for Lake Area Collections:

Address: 3109 Common Street, Suite 104, Lake Charles, LA 70601
Phone: 337-494-7475

Settle your debt with Lake Area Collections before going to court

In some cases, you may have the opportunity to settle the debt for less than the full amount owed, also known as a debt settlement. Debt settlement is a great option for resolving your debt with Lake Area Collections, and you might be able to negotiate a reduced payment in exchange for closing the account. Be prepared to offer a lump sum payment or propose a reasonable payment plan that you can afford.

Negotiating with a collection agency requires careful consideration and preparation. Start by offering a realistic percentage, typically around 60%, of the total debt as a settlement amount. If Lake Are Collections counteroffers, be prepared to negotiate further. Keep in mind that collection agencies purchase debts for less than the original amount, so they may be open to reasonable offers.

In exchange for a lump-sum payment, Lake Area Collections should drop any legal claims against you and release you from the remaining balance.

To learn more about how to settle a debt with Lake Area Collections, check out this video:

If you come to an agreement with Lake Area Collections, it's essential to get the terms in writing before making any payments. The agreement should outline the settled amount, the payment schedule, and any conditions for removing the debt from your credit report. Make sure you fully understand the terms before proceeding.

Respond to a debt lawsuit

If you get sued for debt, the first step you should take is to respond to the lawsuit before your state’s deadline.

To respond to a debt lawsuit, you have to draft and file an Answer into the case. In your Answer, you should:

  • Respond to each claim against you.
  • Assert your affirmative defenses.

SoloSuit can help you draft and file a customized Answer to your debt lawsuit in minutes and increase your chances of winning. Our software helps you create a personalized response to your debt case. All you have to do is respond to a series of questions about your case, and an Answer document will be generated for you.

Your Answer will be properly formatted, contain appropriate legal language, address all the claims against you, and include a section for your affirmative defenses.

To learn more about how to respond to a debt collection lawsuit in your state, read our guide:

How to Answer a Summons for Debt Collection - The Ultimate 50 State Guide

Stand up for your rights

Finally, it's important to remember that you have rights when dealing with debt collectors like Lake Area Collections. The Fair Debt Collection Practices Act (FDCPA) and similar laws provide consumer protections against abusive or unfair practices. Research your rights and consult legal resources if you believe your rights are being violated.

Resolving a debt with Lake Area Collections requires patience, diligence, and careful communication. By understanding your debt, verifying its legitimacy, and negotiating effectively, you can work towards a resolution that alleviates your financial burden. Remember that seeking professional financial advice or legal assistance can provide you with valuable insights and guidance throughout the process. And best of all, SoloSuit can help you respond to debt collectors without having to hire an attorney.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

We have answers

Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.

Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

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