Sarah Edwards | September 08, 2023
Edited by Hannah Locklear
Summary: Is Vance & Hoffman LLC contacting you about an outstanding debt? You’ll want to ask for a full debt validation before making any payment arrangements. If you've been sued, be sure to respond with a written Answer. This could buy you the time you need to work out a debt settlement plan. SoloSuit can help you validate your debt, respond to a debt lawsuit, and settle your debt with Vance & Hoffman LLC before your court date.
If you’re one of the millions of Americans with a debt in collections, you probably feel a sense of dread when you receive a notice from a collector you don’t recognize. Collections agencies frequently purchase outstanding obligations from the companies they service and then attempt to collect payments from consumers.
Usually, the collection process begins with a letter and a few phone calls. If you’ve received a message from Vance & Huffman LLC, you’ll want to know who the company is and how to handle it. That way, you can resolve the debt and move on from a tough situation.
It claims to take a holistic view of debt, helping consumers resolve their obligations while assisting them with their personal finances.
Vance & Huffman provides traditional collections services but also offers debt settlement and credit resolution. They don’t give an address on their website, but a toll-free number of (855) 206-6697 is shown.
The Better Business Bureau (BBB) has an accredited profile for Vance & Huffman LLC. The profile has a ‘B’ rating and hundreds of complaints have been submitted against Vance & Huffman LLC with the BBB.
Of the complaints visible, most concern customers who state they don’t have contracts with the company and want the organization to remove negative information that appears on their credit reports.
Resolving a debt with Vance & Huffman LLC starts with reading any letters you receive from the company. Review the details in your letter and see if you recognize the original creditor and the amount due.
Afterward, you’ll want to draft a Debt Validation Letter to ensure Vance & Huffman LLC has the right to collect the debt from you. You can use the Debt Validation Letter to request the company to cease their phone calls and letters unless they intend to sue you.
Ask Vance & Huffman LLC to provide the following information in your Debt Validation Letter:
Under the Fair Debt Collection Practices Act, collection agencies must provide you with the details you requested. If they can’t, they should stop contacting you.
Watch SoloSuit’s video to learn how to write a Debt Validation Letter to Vance & Huffman LLC in just two steps.
Failing to respond to a debt collection notice from Vance & Huffman LLC won’t make the company go away. Instead, it’s likely to have the opposite effect. You’ll probably begin hearing from them more often through annoying letters and phone calls.
If you don’t act, Vance & Huffman LLC may decide to sue you. A debt lawsuit is serious, and if they win their case, it can have disastrous financial consequences. They’ll likely obtain a judgment, which they can use to garnish your salary or bank account.
A judgment will also stay on your public record, and future lenders may find it if you apply for credit or a mortgage.
Consumers subject to a debt lawsuit from Vance & Huffman have a few options. They can repay the debt before their court date or try to settle it. They can defend themselves in court before the judge if they have justification for non-payment.
The first step in a debt lawsuit is to respond to the Complaint with an Answer. An Answer is your official response to the lawsuit and should contain any defenses you have for not paying the debt.
In your Answer, focus on responding to the claims against you. You can deny each claim or admit it. You can even deny due to lack of knowledge, which is a fancy way of saying, “I don’t know.” The important part is that you respond. Note that most attorneys recommend denying as many claims as possible to give yourself a stronger case and force the opposing side to prove such claims.
After you’ve responded to each claim against you, include a section for your affirmative defenses. These are legal reasons you should not be held liable for the debt. For example, the debt could be past the statute of limitations, or maybe you already paid off a portion of it. These are both strong affirmative defenses that could stack the odds in your favor.
SoloSuit can help you respond to the claims against you and assert your affirmative defenses in a customized Answer document.
Filing an Answer stops the judge from granting Vance & Huffman a judgment in your case. Instead, they’ll need to listen to your side of the story before issuing a decision.
Most people won’t want to go to court. They’d rather take care of the matter before their court date, which stops the legal activity on their account. Repaying or settling the debt will stop the lawsuit from proceeding any further.
Paying off the debt is ideal, but you may not have the money available to do so. In that case, a settlement can work. In a debt settlement, you offer Vance & Huffman LLC a percentage of the amount you owe. If Vance & Huffman LLC accepts your offer, you’ll send them the money, and they will drop the case.
In a debt settlement, you offer a portion of the total amount due, usually at least 60% of the debt’s value. In exchange for a lump-sum payment, the collector agrees to drop any legal claims against you and release you from the remaining balance.
To learn more about how to settle a debt with Vance & Huffman LLC, check out this video:
SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.
Now, let’s consider an example of debt settlement with Vance & Huffman LLC.
Example: Donald took out a credit card to pay for a new suit. When he ran into financial problems, he stopped making monthly payments, and Vance & Huffman LLC purchased his account. After sending Donald multiple letters without response, Vance & Huffman LLC decided to sue him for the $600 he owes in his County Court. Donald receives the Complaint and wants to avoid a lawsuit. He uses SoloSettle to send an offer of $500 to drop the case. Vance & Huffman LLC accepts the settlement offer, and Donald avoids a potential judgment, clears his name of the debt, and avoids having to pay Vance & Huffman’s court costs and attorney fees.
The best course of action for resolving a debt with Vance & Huffman LLC starts with sending a Debt Validation Letter. If they can prove they own your debt, you can either pay it or settle it to stop future harm to your credit. Remember, debts won’t go away unless you resolve them, so it’s best to take swift action.
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
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.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"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