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How to Respond to Puget Sound Collections

Dena Standley | December 18, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

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: Debt collectors can be intimidating and challenging to deal with, and Puget Sound Collections is no exception. If you've been contacted by Puget Sound Collections about debt you owe, you have the right to request a debt validation. And if you’ve been sued, it’s important to respond to the lawsuit. SoloSuit can help you do both of these things and work out a debt settlement before your court date.

Avoiding debt repayment is understandable. Life happens, and when debt becomes unmanageable, it is certainly tempting to wish it all away. But ignoring the problem won't change anything. In fact, failure to respond can lead to serious consequences like wage garnishment.

While long forgotten are the days of shadowy men smoking cigars and harassing people to pay an outstanding debt, modern debt collectors aren’t all that pleasant either. The debt collection industry is now highly regulated by state and federal entities and the Consumer Financial Protection Bureau (CFPB) in an attempt to protect regular people from debt collector harassment.

Despite state and federal laws, there are still debt collectors in the industry with a reputation for using questionable methods to collect debts, many of which are downright violations of the law. Below is a guide on how to resolve debt with Puget Sound Collections. Even if they sue you, SoloSuit can help you get out of this situation by responding to the lawsuit and settling the debt before your court date.

Keep reading to learn how to respond to Puget Sound Collections.

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What is Puget Sound Collections?

Puget Sound Collections is a debt collection agency based out of Seattle, WA that offers pre-collections services as well. It is licensed and bonded in Oregon, Alaska, California, Arizona and collects debt in all states, as well as Canada, through professional affiliations.

According to real complaints from the agency’s BBB profile, Puget Sound Collections mostly collects for healthcare and medical organizations, but it collects on behalf of a variety of industries.

Puget Sound Collections may abandon collections efforts against you if they cannot provide the paperwork to prove you owe them money. To request an official debt validation, try sending a Debt Validation Letter.

Below is Puget Sound Collections’ phone number and other contact information:

Puget Sound Collections reviews and complaints

To make a well-informed decision, research Puget Sound Collections's track record. Consumer Financial Protection Bureau (CFPB) databases and Better Business Bureau (BBB) complaints can also be trusted sources of information. By understanding this particular debt collection agency's strategies, you can better prepare yourself for dealing with them.

Out of 5 stars, Puget Sound Collections has a 1.4-star rating on Google Reviews. The business is BBB-accredited with an A rating and several complaints. Similarly, the CFPB has received dozens of complaints against Puget Sound Collections over the last several years. Here are some examples of real Puget Sound Collections reviews:

Luckily, consumers are protected by the Fair Debt Collection Practices Act (FDCPA), and debt collectors must follow specific guidelines when contacting you about a supposed debt. For example, it is your right under federal law Section 609 to request debt validation to avoid paying a debt you do not owe. Send a Debt Validation Letter to Puget Sound Collections within 30 days of receiving a letter from them.

File an Answer to your debt lawsuit in minutes.

What if Puget Sound Collections sues me?

According to its website, Puget Sound Collections has an internal legal department that takes over collections accounts with unresponsive consumers. This means that, if you never respond to debt collectors with Puget Sound Collections, you might end up being sued for the debt.

Responding to the lawsuit is the first step in resolving a debt with Puget Sound Collections. When you get sued for debt, you receive court documents call the Summons and Complaint (aka Petition in some states). Once you receive the Summons and Complaint, respond in writing to the court with a Debt Answer.

To respond to a debt lawsuit, you must:

  1. Draft an Answer to the lawsuit.
  2. Assert your affirmative defenses.
  3. File the Answer with the court and send a copy to the opposing attorney.

Let’s take a closer look at each of these steps.

1. Respond by preparing an Answer

Sending an Answer to the Complaint is the most effective way to defend yourself against a debt collection lawsuit. You must answer within the deadline to avoid losing the case and facing default judgment.

The Summons and Complaint documents you receive should contain your case details, the court date (if applicable), a certificate stating you were served, and an allegation list that outlines each claim against you.

In your reply, you must respond to each claim and state whether you agree or disagree. More specifically, you can reply to each claim with one of the three following response options:

  • Admit: You agree with the claim
  • Deny: Puget Sound Collections must prove the claim is valid
  • Deny due to lack of knowledge: This is like saying you don’t know.

Respond to a Complaint online.

2. Assert your affirmative defenses

An affirmative defense is your legal reason why the Complaint should be dismissed. The affirmative defenses should appear at the bottom of your response to the allegations. Here are some affirmative defenses:

  • Failure to state the basis for the lawsuit: A debt collector cannot sue you if they don't cite the violation of the law.
  • Statute of limitations (time-barred debt): In other words, the statute of limitations has expired. The statute of limitations governs how long they can legally sue you for debts. The duration may range from two to 20 years, but on average, it is between four and six years, depending on your state.
  • Puget Sound Collections lacks legal standing: Plaintiff (Puget Sound Collections) lacks legal standing if they cannot prove that they own your debt and have the legal ability to collect it.
  • FDCPA Violations: The FDCPA can be invoked if Puget Sound Collections engages in illegal debt collection practices.

Make the right defense the right way.

3. File the Answer

After you’ve responded to each claim and assert your affirmative defense, your Answer should be ready to submit to the court. Your court may charge a filing fee, so be prepared to pay. Most importantly, be sure to file your Answer in court before your state’s deadline (each state has a different response deadline). Send a copy to Puget Sound Collectionss legal team or attorney as well.

SoloSuit files your Answer for you.

Settle your debt with Puget Sound Collections

Finally, negotiating a debt settlement with Puget Sound Collections is the most effective way to resolve a debt with them. A debt settlement is ideal for people who don’t have enough money to fully repay their debt before their court date. In a settlement, you offer to pay a portion of what you owe in exchange for the company dropping the lawsuit against you and ceasing further collection efforts.

Most collection agencies are amenable to settlement offers. However, the more you propose, the more likely you will get the “yes” you’re looking for. An offer of 60% or more of the debt’s value will likely result in success, although every company is different.

Watch this video to learn more about how to settle a debt with Puget Sound Collections.

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.

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.


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"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



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