Start My Answer

Sued by reunion student loan finance corporation

George Simons | December 06, 2023

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: If you've been sued for a debt by the Reunion Student Loan Finance Corporation, use SoloSuit to respond in just 15 minutes and win your lawsuit.

It was probably challenging enough to pay off your student loans. If you thought that undertaking was daunting, then what do you do when you are sued by a company like Reunion Student Loan Finance Corporation? Despite the stress and uncertainty of this situation, SoloSuit understands and is here to help.

Throughout the collection process of Reunion Student Loan Finance Corporation, you have rights and there are certain “answers” you can raise if you are named in a lawsuit. These answers are known as affirmative defenses and they can help you win a debt collection lawsuit brought against you by Reunion Student Loan Finance Corporation

Who is Reunion Student Loan Finance Corporation?

If you've never heard of Reunion Student Loan Finance Corporation and can't understand why they had you served with a summons of a lawsuit they have filed against you, know that you are not alone.

Headquartered in Aberdeen, South Dakota, Reunion Student Loan Finance Corporation is a corporation in good standing with the state. It is noteworthy that on August 7, 2020 an amendment to their corporation was submitted to the South Dakota Secretary of State changing the corporate name to ZuntaFi Corp. Located at 105 First Avenue SW in Aberdeen, Reunion Student Loan Finance Corporation (soon to be ZuntaFi Corp.) has shown at times overly aggressive collection tactics in attempting to collect student loan debts.

Reunion Student Loan Finance Corporation is a Student Loan Servicer. Simply put, a loan servicer is given the responsibility of complete administration of managing the collection and resolution of a student loan by the financial institution that financed the loan. These banks and credit unions that provide the money to the borrower contract loan servicers to manage their loans. Reunion Student Loan Finance Corporation makes a fee for every account they service for their financial institution clients. So, they have a vested interest in the resolution of every account. Failure on their part could result in the end of that contract from the bank or financial institution which results in loss revenue for Reunion Student Loan Finance Corporation.

Reunion Student Loan Finance Corporation sued you. Now what?

If you are served a summons for a lawsuit filed by Reunion Student Loan Finance Corporation, it can feel nerve wracking. Be aware that there are actions that you can take that will protect your rights as a consumer and to put yourself in the best possible position to prevail in the upcoming lawsuit.

Being sued is not something that many people have experience with and can lead to anxiety that can prevent you from taking the appropriate action. That is exactly what Reunion Student Loan Finance Corporation wants from you. If you allow yourself to be overwhelmed, there is a good chance that you will ignore the lawsuit.

This is precisely what they hope you do. You see, if you don't challenge the business affidavit and accounting of Reunion Student Loan Finance Corporation, they will proceed to attempt to secure a default judgment. If the consumer doesn't respond to the summons, the default judgement is all but assured. If the courts grant the default judgement in favor of Reunion Student Loan Finance Corporation, that is when the real nightmare can begin.

A default judgment gives Reunion Student Loan Finance Corporation the power to garnish your wages. They could choose to freeze your bank account or even seize personal property like your car in an effort to satisfy the student loan debt. You can change this from happening by responding to the Complaint.

This is critical. It is important to draft your “Answer” to the Complaint in a timely fashion. It has to be timely because most times there is a limited window of time for you to respond. When Reunion Student Loan Finance Corporation files a lawsuit they generally rely on “business records affidavits”. It is possible to raise specific defenses that could reveal the weakness in the Reunion Complaint. This is where SoloSuit can help.

Responding to Reunion Student Loan Finance Corporation Complaint

Your response to the Complaint isn't the end of the lawsuit. The Complaint has a court date and prior to that date there is a “discovery” phase. This is where both parties can submit requests in writing for information and documentation.

This is your opportunity to demand an accounting of the alleged debt and to request that Reunion Student Loan Finance Corporation provide documented proof that you owe the amount alleged in the lawsuit. This could be important because they would have to provide the documentation that the allegations in the lawsuit are 100% accurate. You can also request that Reunion Student Loan Finance Corporation justify any fees, penalties, and other expenses that have been added on to the outstanding debt allegedly owed. Basically, it is your right to hold the Reunion Student Loan Finance Corporation accountable and make them actually prove their case against you.

To summarize, here is a checklist of the things you need to do if you are sued by Reunion Student Loan Finance Corporation for an alleged outstanding debt:

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

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Start My Answer

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources