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Sued by Summit Account Resolution? How to Respond

Dena Standley | December 04, 2023

Edited by Hannah Locklear

Summary: Debt collectors can be intimidating and challenging to deal with, and Summit Account Resolution is no exception. If you've been contacted by Summit Account Resolution 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 Summit Account Resolution. 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 resolve your debt with Summit Account Resolution.

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How Summit Account Resolution works

Summit Account Resolution is a debt buyer and collection agency. As part of its strategy, Summit Account Resolution calls and writes to consumers to collect outstanding balances for debt in the following industries:

  • Credit card
  • Banking
  • Landlord/tenant
  • Education
  • Medical
  • Dental
  • Veterinary

heir primary collection services include.

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 Summit AR within 30 days of receiving a letter from them.

Summit Account Resolution (AR) will abandon collections efforts against you if they cannot provide the paperwork to prove you owe them money. They will close the file. If you are unsure how to proceed, use SoloSuit's Debt Validation Letter.

Below is Summit Account Resolution phone number and other contact information:

Address: 12201 Champlin Dr, Champlin, Minnesota 55316, US
Phone: 763-712-3700

Summit Account Resolution reviews and complaints

To make a well-informed decision, research Summit Account Resolution'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, Summit Account Resolution has a 4.4-star rating on Google Reviews. The business is BBB-accredited with an A rating and relatively few complaints.

What if Summit Account Resolution sues me?

Responding to the lawsuit is the first step in defeating Summit Account Resolution in court. You receive court documents confirming the debt suit when you are sued. These documents are called summons and complaints (petitions), depending on the state. 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. Fast response with a professional Answer document
  2. Asserting your affirmative defenses
  3. Filing the Answer with the court and sending a copy to Summit AR's 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: Summit AR must prove the claim is valid
  • Deny due to lack of knowledge: This is like saying you don’t know.

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.

  • Summit Account Resolution lacks legal standing: Plaintiff (Summit AR) 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 Summit Account Resolution engages in illegal debt collection practices.

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 Summit AR's legal team or attorney as well.

SoloSuit files your Answer for you.

Settle your debt with Summit Account Resolution

Finally, negotiating a debt settlement with Summit Account Resolution is the most effective way to respond to a debt lawsuit. 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 Summit Account Resolution:

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.

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.)

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