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