How to Respond to Synergetic Communication

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: Consumer complaints allege that Synergetic Communication may contact you by letter, phone, or email. Don’t dismiss this company; SynCom is seeking to collect on an unpaid debt. Use SoloSuit to respond to a debt collection lawsuit. Then, once you verify the debt, use SoloSettle to negotiate a lower settlement amount.

Synergetic Communication — also known as SynCom — is a full-service debt collection agency licensed to collect debt across the United States and Puerto Rico. If you’ve received a Synergetic Communication Inc. letter, email, or phone call, it’s because the company is attempting to collect on an unpaid debt. But if you take the following steps, you can resolve this debt and start moving on.

What is Synergetic Communication, Inc.?

Synergetic Communication Inc. is a full-service debt collection agency, and the company website indicates that it has been in operation for 27 years. The primary office is located at 5450 Northwest Central, Suite 220, Houston, TX 77092. You can reach the company toll-free at 800-580-8615 or by using the online contact form.

Below is a photograph of Synergetic Communication’s office building:

Who does Synergetic Communication collect for?

Historically, Synergetic Communication has focused on collections for home and auto loans. But as a full-service collection agency, it assists businesses with collections for a variety of consumer debts. If you’ve been contacted by Synergetic Communication Inc., it’s important to clearly determine the identity of your original creditor.

Is Synergetic Communication a scam?

Synergetic Communication is a legitimate company. However, the company has 126 customer complaints registered against it with the Better Business Bureau. The Consumer Financial Protection Bureau (CFPB) also lists 170 consumer complaints.

Many of these complaints allege that SynCom has contacted the customer regarding illegitimate debt, which is why it’s important to validate your debt before proceeding.

On top of all this, Synergetic Communications has a 1.3-star review on Google reviews, with many consumers leaving negative remarks about their experiences dealing with collectors at the company:

Resolve your debt with Synergetic Communication

Your debt isn’t going away on its own — and neither is Synergetic Communication. If you’ve been contacted about past debt or even a debt lawsuit, use the following strategy to resolve your debt and start moving forward.

Know your rights regarding debt collection

Some customer complaints allege that representatives from SynCom have failed to clearly identify themselves as debt collectors. If these allegations are true, it’s a clear violation of the Fair Debt Collection Practices Act (FDCPA). This federal law protects consumers from aggressive or misleading collection practices such as:

Failing to identify themselves as debt collectors.
Calling multiple times each day.
Calling before 8 a.m. or after 9 p.m.
Contacting you after receiving a Cease and Desist Letter.
Refusing to validate your debt.
Talking to your friends, coworkers, or family members about your debt.
Using threatening or offensive language.
Threatening to have you arrested for not paying your debt.

Should SynCom violate any of the above terms, your first step should be to report them to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You may also report them through the CFPB’s website or by calling 855-411-2372.

Draft and file an Answer to a lawsuit

If Synergetic Communication has sued you over your debt, you’ll need to act quickly. Use SoloSettle to draft an Answer, which is a response that indicates your willingness to fight the lawsuit in court. You’ll file the Answer with the court, though SoloSuit can also file your Answer on your behalf.

Time is of the essence. In many jurisdictions, you have as little as two weeks to respond to a lawsuit. Failing to respond can result in a default judgment in favor of SynCom. You’ll lose the ability to negotiate a lower settlement, and the judge can also award SynCom with debt collection fees or legal fees that only add to your debt.

Have you been sued? Watch this video for tips on drafting an Answer:

Request that SynCom validate your debt

Because Synergetic Communication is a full-service debt collection agency, it handles debt from a variety of industries. Don’t offer to make a payment until you know for sure that the debt is yours. Request that SynCom send you a Debt Validation Letter. This letter will explain:

The name of your original creditor.
The amount of your original debt.
The proof that connects you to the debt.
The date of any previous payments (if any).
The age of your debt.

Debt collectors often pressure you to make a “good faith” payment on your debt. Never do this until you’re certain that the debt is yours. Making a payment can reset the statute of limitations on past debt and make you liable for the entire debt.

Use SoloSettle to negotiate a lower settlement

At this point, you have two options. If SynCom is unable to prove that you are responsible for this debt, you can fight a lawsuit in court. But if the debt is yours, then your better option is to settle. Many debt collectors would prefer to accept a lower settlement rather than endure the legal process.

SoloSettle is designed to help you negotiate a settlement with SynCom. By using SoloSettle, you won’t have to worry about having direct contact with the debt collector. Once you and Synergetic Communication agree to a settlement amount, SoloSuit will help you arrange payment.

Let’s look at an example.

Example: Kevin received an email from someone claiming to represent Synergetic Communication Inc. He sent it to his spam folder, only to receive a phone call a day or so later. It turned out that SynCom was a debt collector seeking payment on a car loan he’d gotten behind in. Things soon escalated into a lawsuit, but Kevin was able to act fast. First, he used SoloSettle to file an Answer with the court. Then he insisted that SynCom send him a Debt Validation Letter. Once he was sure the debt was his, he used SoloSettle to painlessly negotiate a debt settlement. Once he and SynCom agreed to a payment amount, SoloSuit made arrangements for payment.

Discover how easy it is to resolve your debt with SoloSettle.

Start rebuilding your credit

Will settling debt hurt your credit? Unfortunately, yes — but unresolved debt can have even greater financial consequences. Your best option is to resolve your debt quickly so you can work toward rebuilding your credit.

Settle with SoloSettle

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