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Why is Sentry Credit Calling Me?

Sarah Edwards | January 23, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Sentry Credit is calling because you either owe a debt, or they think you owe a debt. If you are receiving repeated phone calls from Sentry Credit, insist that they prove the debt is valid. If it is, you can use SoloSettle to resolve it through debt settlement and stop further collection calls.

If you’re like most people, you don’t answer phone calls from numbers you don’t recognize. But if you received a voicemail that identified the caller as Sentry Credit, Inc., you might have an outstanding debt.

The good news is that you can stop these unwanted phone calls by addressing your debt once and for all. Here’s how to respond to phone calls from Sentry Credit.

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What is Sentry Credit?

Sentry Credit, Inc. is a debt collection agency based out of Everett, Washington. The company should not be confused with Sentry Credit Union, which is a credit union and wholly unconnected with Sentry Credit, Inc.

Who does Sentry Credit collect for?

Sentry Credit collects for companies that deal with a variety of consumer debts, including credit cards, student loans, medical services, banks, and more.

If you’ve been contacted by Sentry Credit, it’s because the company has purchased unpaid debt from another creditor, or your original creditor has hired them to collect. The reason they’re calling is to recoup their losses by getting you to pay off your debt.

How to report Sentry Credit scam concerns

Is Sentry Credit legitimate? Yes. The company is accredited by the Better Business Bureau (BBB) with an A+ rating. However, the company also has hundreds of customer complaints listed on the BBB website and the Consumer Financial Protection Bureau (CFPB) complaint database.

If you need to contact Sentry Credit for any reason, you can use the contact form on the company website or call toll-free at 800-608-2581. You can also contact the Sentry Credit Inc’s Compliance Team at (855) 740-3400 or at Compliance@sentrycredit.com.

If you’ve been summoned for a lawsuit, use these tips to respond quickly:

Follow these steps when Sentry Credit calls you

Don’t ignore phone calls from Sentry Credit. The company may escalate matters and actually sue you over unpaid debt. Instead, take steps to verify that the debt is yours, then assert your rights to protect yourself from repeated phone calls.

1. Report harassing phone calls

First, you don’t have to put up with harassing phone calls. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from practices that include the following:

  • Calling you early in the morning (before 8 a.m.).
  • Calling you late at night (after 9 p.m.).
  • Calling you multiple times per day.
  • Using vulgar or threatening language.
  • Threatening you with arrest for unpaid debt.
  • Contacting your coworkers, family members, or friends about your debt.
  • Ignoring a Cease and Desist letter.
  • Refusing to validate your debt.
  • Failing to identify themselves as a debt collector.

If Sentry Credit violates your rights, you can report them directly to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. Or report Sentry Credit to the Consumer Financial Protection Bureau by calling 855-411-2372 or through the CFPB’s website.

2. Ask Sentry Credit to validate your debt

Before you decide what to do next, make sure that the debt is yours. Never admit to the debt until Sentry Credit, Inc. can provide evidence that shows:

  • The name of the original creditor.
  • The amount of the original debt.
  • The date you incurred the debt.
  • The date of the last payment (if applicable).
  • The amount of debt remaining.
  • The evidence that connects you to the debt.

If Sentry Credit is unable to prove that the debt is yours, you have a stronger chance of winning a court case. Otherwise, your best option is to negotiate a debt settlement to move on as quickly as possible.

Send a Debt Validation Letter to Sentry Credit.

Respond to a debt collection lawsuit

What happens if the Sentry Credit, Inc. debt is valid? You might get sued over unpaid debt. If you get sued, you need to act fast and respond to the lawsuit before your state’s deadline. Some jurisdictions only give you two weeks to respond to the lawsuit. If you don’t file a legal Answer in this window, the court could issue a default judgment in favor of Sentry Credit.

SoloSuit can help you draft your response. Just use the online tool to create your legal Answer. SoloSuit can also have an attorney review the finished document and even file it on your behalf.

Draft and file your Answer before time expires.

Settle your debt with Sentry Credit, Inc.

Assuming that Sentry Credit can prove the debt is yours, the most direct way to stop the company’s phone calls is by settling your debt for a lower amount—also known as debt settlement.

Debt settlement is when you negotiate to pay less than what you owe to your creditors, and they agree to accept it as full payment. As a general rule, it’s best to open negotiations by agreeing to pay 60% of the original debt. Your first offer may not be accepted — and that’s okay.

The point is for you and the company to negotiate until you reach a number that satisfies both parties. You won’t have to pay anything until you reach an official agreement. But how do you start negotiating? SoloSettle provides a convenient way.

Using this online tool, you’ll never have to deal directly with Sentry Credit. Instead, you’ll use the platform to negotiate a settlement that works for both you and the debt collection company.

Let’s see how this works by looking at an example.

Example: Trevor had been receiving phone calls from Sentry Credit, Inc. At first he wasn’t sure the phone calls were legit, but the voicemails indicated that he owed a credit card debt. Eventually, Trevor received a notice that he was being sued for the debt. Rather than deal with the company directly, Trevor used SoloSettle to respond to the lawusit and start the negotiation process. In a very short time, Trevor was able to negotiate a lower settlement. As a result, he was able to settle his debt for less than what he originally owed — and put a stop to the repeated phone calls.


Start using SoloSettle to resolve your debt for less than you currently owe.

Stop debt collection phone calls

The surest way to stop debt collection phone calls is to pay your debt. SoloSettle provides an easy means to do exactly that, allowing you to resolve debt for less than what you originally owed.

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