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How to Resolve a Debt with PlusFour Collections

Dena Standley | April 23, 2024

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: PlusFour, Inc. Collections is a debt collection agency that works with consumers to ensure the company's clients get money for debt owed. Resolving a genuine debt with them is the surest way to get them off your back. SoloSuit discusses how to go about it.

You’ve probably had it with PlusFour, Inc. Collections calling multiple times a day, and you now want to resolve the debt with them. Or maybe you’ve been sued for debt and realized you have no option but to address it. Paying off a debt collector is often the best way to resolve a debt and build your credit.

Before you resolve the debt with PlusFour Collections, you must ensure the debt is legitimately yours by sending a Debt Validation Letter. They should respond by giving you more information about the original creditor and a breakdown of the debt in question. Afterward, you can resolve the debt using the methods discussed here. But first, let's explore whether PlusFour, Inc. Collections is legitimate.

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Is PlusFour, Inc a legit company?

Yes, PlusFour, Inc. Collections is a legitimate third-party debt collection agency that started in 1984 and was incorporated in 1997. The company is based in Las Vegas but have multiple locations nationwide. PlusFour Collections assists its clients in managing unpaid accounts by contacting the borrowers to urge them to make payments.

In other situations, PlusFour buys the debt from the original creditors for a fraction of the amount owed and then tries to collect the total amount from you. PlusFour, Inc collects for dental and medical practitioners, property management companies, small businesses, and utility companies.

Below is the PlusFour Collections phone number and other contact information:

Read PlusFour Collections reviews online

PlusFour Collections reviews online can tell you more about the company. For example, PlusFour has a 1/5 star rating with the Better Business Bureau and a low score of F. The Consumer Financial Protection Bureau (CFPB) complaint database reports hundreds of complaints against PlusFour Collections for various issues involving the company's debt collection practices.

Let's take a look at a real PlusFour Collections review from the CFPB database:

"I was hospitalized and received a bill from the provider that was inaccurate. I pointed this out to both the original company and the collection agency and provided proof to both of them and nothing was done."

Luckily, there are federal laws in place to protect consumers like the one who made this complaint against PlusFour Collections. For example, the FDCPA exists to prevent harassment, dishonesty, and unfair treatment from debt collectors.

If PlusFour Collections sue–respond to the lawsuit before resolving the debt

If your reason for resolving the debt is that you have received a lawsuit letter from PlusFour, Inc. Collections, the immediate response should be to send an Answer to the court before the deadline in your state. Paying the debt without responding to the lawsuit does not dismiss the case from court. It may lead to a default judgment, meaning the creditor wins the case, and they can garnish your wages, put a lien on your property, or gain access to your bank account. Here are the three ways to respond to a lawsuit:

1. Answer each claim listed in the Complaint

The lawsuit you receive from PlusFour, Inc. Collections will have a Complaint document listing the allegations they have against you. Respond to these claims by using “Admit” if you agree what they claim is true, “Deny” if you do not agree and want them to prove it's true, and “Deny for Lack of Knowledge” when you are unsure if the claim is factual.

2. Assert your affirmative defenses

The second step is to state your affirmative defenses by explaining why you aren’t responsible for the debt. Make sure you have the documents to support your defenses. When you enter the proper defenses, PlusFour, Inc. Collections may withdraw the case and propose or accept a settlement offer. Examples of affirmative defenses include:

  • The debt’s statute of limitations passed a while back
  • PlusFour in collection violated your consumer rights
  • The debt information is incorrect
  • PlusFour Collections lacks a legal standing to collect the debt from you

3. File the Answer in court

After completing the document, the last step is to mail it to the court or take it to the courthouse indicated in the document. Send another copy to PlusFour, Inc. Collections, and keep the third copy in your records.

Does this process sound overwhelming? SoloSuit can help you outline these affirmative defenses using our Answer document. Learn more from the following video.

Resolve a debt that doesn't belong to you by disputing it

The Fair Debt Collection Practices Act (FDCPA) allows you to dispute a debt that doesn't belong to you with the creditors. If PlusFour, Inc. Collections does not respond or remove the debt in question from your credit report, you can dispute it with the three credit bureaus. They will task PlusFour Collections to confirm whether the debt is yours. If the debt is not yours, it will be removed from your credit report, and you will not be required to pay it.

Resolve the debt by paying in full with a single payment

Paying off your debt in full by a single payment is legally acceptable. This method can only work if you have saved enough money, you have received an inheritance or gift, or your investment has matured. This approach removes the debt entirely from your records and eventually helps improve your credit score.

Before resolving your debt using this method, weigh the pros and cons and confirm you have enough money for daily upkeep. Ensure you also get the documents from PlusFour, Inc. Collections stating that you cleared the debt. You can use these documents to send to credit bureaus as proof of payment if PlusFour Collections does not remove the debt or mark it as paid in full on your credit report.

Resolve the debt by proposing a settlement.

If you do not have the entire amount to clear the debt, or you want to remain with some money to make other debt payments, you can settle the debt for less than you owe. This approach entails sending a Debt Settlement Letter to PlusFour, Inc. Collections, asking them to accept a smaller percentage of the original debt.

SoloSettle is a tool that helps you negotiate debt settlement. The SoloSettle software helps you send and receive settlement offers until you reach an agreement with your creditor or debt collector. Once you settle, SoloSettle will take care of the paperwork to ensure your sensitive financial information is protected and debt collectors don't charge more than the amount outlined in your settlement agreement.

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