Start My Answer

How to Resolve a Debt with Lockhart Collection Agency

Hannah Locklear | August 22, 2023

Summary: If Lockhart Collection Agency is contacting you about a debt, SoloSuit is here to help you resolve it, whether it’s through debt validation, responding to your debt lawsuit, or settling the debt before your court date.

Debt collection is never a pleasant experience. Yet, if you've received a notice from Lockhart Collection Agency or any other debt collection agency, it's essential to address the situation promptly and professionally.

Keep reading to learn how to resolve your debt.

Sued by Lockhart Collection Agency? Use SoloSettle to settle your debts for good.

Settle with SoloSettle

Make an Offer

What is Lockhart Collection Agency?

Lockhart Collection Agency, formally known as Lockhart, Morris & Montgomery, Inc., is a debt collection agency and debt buyer based in Texas.

Lockhart Collection Agency is accredited by the Better Business Bureau with an A+ rating. Despite its positive BBB rating, Lockhart, Morris & Montgomery, Inc. has received hundreds of complaints on its BBB page and even more complaints submitted to the Consumer Financial Protection Burea’s consumer complaint database.

Most of these complaints mention Lockhart’s failure to validate a debt upon request and contacting consumers about debts they don’t actually owe.

What does Lockhart, Morris & Montgomery, Inc. do?

Here are some of the services Lockhart Collection Agency performs:

  • Third-party consumer collections: Companies can hire Lockhart to contact consumers on their behalf in order to collect a debt.
  • Early out collections: Lockhart contacts people are soon as they fall behind on their payments or as soon as they owe a debt (i.e. medical debts, etc).
  • Third-party commercial services: Companies can hire Lockhart to contact other companies to collect a debt on their behalf.
  • Legal outsourcing: If a company is having a hard time collecting a debt, Lockhart can help connect them to legal services to take legal action on the matter.
  • Late-stage collections: Lockhart also helps with debts that are several years old.
  • Receivables purchases: Lockhart purchases old debts from creditors at a huge discount from the original debt amounts so that creditors can still make some sort of profit.

So, in other words, Lockhart Collection Agency may have purchased your old debt from your original creditor and paid a small portion compared to the amount you actually owed. As such, before making any payment, you should:

  • Confirm the debt is yours. It's not uncommon for agencies to contact the wrong person or for debts to be mistakenly assigned.
  • Check the statute of limitations. Debts have an expiration date, and you might not be legally obligated to pay if the debt is too old.

The best way to do these things is through debt validation.

Lockhart, Morris & Montgomery, Inc validate your debt

First and foremost, don't panic. Remember, there are laws that protect consumers from abusive debt collection practices, like the Fair Debt Collection Practices Act (FDCPA). Familiarize yourself with these regulations to know your rights. One of these rights is debt validation.

When Lockhart, Morris & Montgomery, Inc first contacts you about a debt, they must verify that the debt is legit. If they don’t do this, you should formally request a validation by sending a Debt Validation Letter.

Below is the contact information for Lockhart Collection Agency.

Address: 1401 N Central Expressway Suite 225, Richardson, TX 75080
Phone: 877-214-3355

Respond to your debt lawsuit

If you get sued for medical debt, the first step you should take is to respond to the lawsuit before your state’s deadline. To respond to a debt lawsuit, you have to draft and file an Answer into the case. In your Answer, you should:

  • Respond to each claim against you.
  • Assert your affirmative defenses.

SoloSuit can help you draft and file a customized Answer to your debt lawsuit in minutes and increase your chances of winning. Our software helps you create a personalized response to your debt case. All you have to do is respond to a series of questions about your case, and an Answer document will be generated for you.

Your Answer will be properly formatted, contain appropriate legal language, address all the claims against you, and include a section for your affirmative defenses.

To learn more about how to respond to a debt collection lawsuit in your state, read our guide: How to Answer a Summons for Debt Collection - The Ultimate 50 State Guide

Settle your debt with Lockhart Collection Agency

Many collection agencies, including Lockhart Collection Agency, are open to negotiation. They'd rather collect a portion of the debt than nothing at all. This is where you might:

  • Settle for a lesser amount. Offer a lump sum that's lower than the total debt. Sometimes agencies will accept this.
  • Arrange a payment plan. If you can't pay in one go, they might be open to monthly installments.

In a debt settlement, you offer your creditor a portion of the total amount due, usually at least 60% of the debt’s value. In exchange for a lump-sum payment, the creditor agrees to drop its legal claims against you and release you from the remaining balance.

If you decide to settle your obligation, you’ll want to ensure you get the terms of your agreement in writing and pay the creditor before your court date. If you’ve never tried debt settlement before, consider working with a professional organization that will guide you through the process.

While it might be tempting to avoid calls from Lockhart Collection Agency, it's more productive to have an open line of communication. Explain your situation, be it financial hardship or a genuine lack of awareness about the debt.

To learn more about how to settle a debt with Lockhart Collection Agency, check out this video:

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.

Pay your settlement and check your credit report

Once you've reached a settlement agreement with Lockhart Collection, it’s crucial that you stay true to your word. Failing to abide by the terms of your agreement could lead to even worse legal issues.

To pay off your debt, use a method that provides a paper trail, like checks or bank transfers. Avoid sending cash or using wire services. Always get a receipt or confirmation of your payment.

After settling, it's a good idea to monitor your credit report to ensure that the debt is appropriately marked as paid or settled. If the collection agency doesn't update the status, you have proof to challenge it.

You can resolve your debt at any stage of the collections process

After resolving your debt with Lockhart Collection Agency, take steps to avoid future debt-related complications. This might involve creating a budget, seeking financial advice, or setting up reminders for bill payments.

In conclusion, while receiving a notice from a collection agency can be unsettling, SoloSuit is here to help you resolve your debt with Lockhart, Morris & Montgomery, Inc., whether it’s through debt validation, responding to your debt lawsuit, or settling the debt before your court date.

No matter what stage of the debt collection process you find yourself, SoloSuit is rooting for you and knows how to help.

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.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


We have answers

Join our community of over 40,000 people.


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.


Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

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.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"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



Get Started