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Sued by Eagle Loan of Ohio? How to Settle

George Simons | January 29, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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: Sued for a debt by Eagle Loan? This guide is for you. Use Solo to respond in 15 minutes and win your lawsuit.

What to do, what to do? You find yourself served a Summons and Complaint for an unpaid debt. Eagle Loan of Ohio has filed suit against you, alleging that you owe them for an unpaid debt. If you are like most people, you are taken aback by this action. So, what do you do when Eagle Loan of Ohio is suing you?

The stress of being sued can affect you and your ability to take any action. Solo understands and is here to help. It can help you take action. You ought to know that you have legal rights in this situation. Every jurisdiction has different time requirements, but they all provide just a limited amount of time for you to protect your rights. This is usually between 14 - 30 days.

So great, you decided to take action, but where do you begin? You can always decide not to do anything, but keep in mind that over 90% of the people who are sued annually over debt end up doing nothing. That is what debt collectors hope you will do. When you fail to respond to a lawsuit, they can ask the court to issue a summary judgment against you.

What are you doing now that you have decided not to ignore your situation? Whether you realize it or not, you are beginning to develop a strategy to start to defend yourself in this lawsuit. The best place to start is to gather all the information about Eagle Loan of Ohio that you can. Why not find out everything you can about them to help provide yourself the opportunity for a better outcome?

Settle debt with Eagle Loan of Ohio

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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Who is Eagle Loan of Ohio?

Incorporated in Kentucky, Eagle Loan of Ohio has about 60 branch offices in Kentucky, Indiana, and Ohio. Its market is providing personal loans to those with “bad credit.”

Two different companies underwrite the loans approved by Eagle Loan for consumers. Eagle Financial Services, Inc. and Sunrise Finance Company. Their in-house collection staff handles all the collections for all the branch offices.

It’s important to respond to an Eagle Loan of Ohio lawsuit—here’s why

First and foremost, it is your legal right to fight any lawsuit in which you are named. The worst action is none at all and ultimately just ignore the Complaint. You may be hesitant because you are not a lawyer. This is why Solo can help you.

The Complaint, which is the legal term for the document that begins the lawsuit, has allegations about you and the debt from Eagle Loan. You have every right to answer those allegations. There is a legal term for your response to the Complaint: it is the Answer.

Failure to respond to the Complaint is what Eagle Loan of Ohio wants you to do. If there is no response from you, Eagle Loan will probably file a motion with the court to secure a default judgment. If there is no response from you, the court assumes that you agree with every allegation made by Eagle Loan. Then, if the court grants their motion for a default judgment, it could be game over.

Once the judgment is granted, Eagle Loan can begin to collect on that judgment. There are various methods that they can utilize to collect on this judgment. They can freeze your bank accounts or garnish your paycheck. They may even take the steps of placing a lien on any and all of your personal property. Do not let this happen to you.

Keep in mind that merely responding to the lawsuit doesn't close the chapter of this issue. Your affirmative defenses will require Eagle Loan to provide the documentation and proof of every allegation in their original complaint. If they fail to provide this proof, the case could be dismissed.

You are holding them accountable through the courts that their Complaint is 100% accurate. So, in summary, here is a small checklist of what you should do if Eagle Loan of Ohio is suing you:

  • Make sure you file your Answer within the timeframe required by the Court.
  • Never admit liability for the alleged debt (make Eagle Loan prove its case against you).
  • Consider raising the affirmative defense, like the statute of limitations or the failure to establish that you owe the amount claimed, to highlight any weaknesses in Eagle Loan's lawsuit against you.

How to settle debt with Eagle Loan of Ohio

To settle a debt with Eagle Loan, follow these steps:

  1. Gather information–Before contacting them, gather all relevant information regarding your loan, including the account number, exact amount owed, copies of previous communication, and the date of the last activity on the loan
  2. Assess your financial situation and determine how much you can offer as a settlement.
  3. Contact Eagle Loan and discuss your situation. You should explain your financial situation and express your desire to settle the debt. Keep all communication in writing, or follow up with written communication if you decide to speak to them in person or on the phone.
  4. Get the Settlement Agreement in writing and signed by both parties.
  5. Pay the settlement amount.

SoloSettle can make the debt settlement process painless while keeping your information protected.

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Read Eagle Loan of Ohio reviews to prepare to engage with them

Any finance company of this size will inevitably generate complaints, and Eagle Loan is no different.

Eagle Loan is not BBB accredited, but you can read what other consumers have had to say about their experiences at:

Eagle Loan is a finance company specializing in payday and other high-risk lending. As a result, there are few positive reviews, but that is common for most finance companies.

To learn more about how to negotiate with Eagle Loan of Ohio, watch the following interview with a consumer rights attorney who shares negotiation tips and strategies:

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