How to Resolve Your Debt With Integras Capital Recovery LLC

George Simons | February 01, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

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: Being sued by Integras Capital Recovery? Don’t panic. Respond to avoid default judgment, negotiate a settlement, or challenge their right to collect. Above all, don’t ignore the debt. Solo can help you throughout the settlement process.

If you recently realized that you are being sued for debt by Integras Capital Recovery, LLC then you may be wondering who this debt collection agency is and what your next step should be. Integras Capital Recovery, LLC files lawsuits throughout the State of Texas for debt collection.

Although you might be stressed out, it is important not to panic. You are taking the first step now to educate yourself, which is great. The most important thing you need to know is that you should not ignore the problem. Most often, those who are being sued for debt try to ignore the lawsuit. This leads to a default judgment, which means that Integras Capital will win automatically. Learning what you need to do next will help to prevent this.

Engaging with the debt collector is also a prudent decision since it could lead to a negotiated debt settlement where you actually pay less than the amount owed.

Use Solo to avoid a default judgment.

Settle debt with Integras Capital Recovery LLC

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

Settle with SoloSettle

What is Integras Capital Recovery LLC

Integras Capital Recovery, LLC is a legitimate debt purchaser and debt collector operating out of San Antonio, Texas. The company purchases charged-off debt accounts from creditors at minimal prices and then pursues the total amount of debt from consumers. Integras is certified by the Receivables Management Association International (RMAI).

Ready to contact the agency to settle your debt? Use the Integras Capital Recovery LLC phone number or other contact information listed below:

  • Phone: (877) 223-5462
  • Address: 3201 Cherry Ridge Dr, San Antonio, TX 78230

Who does Integras Capital Recovery collect for?

Integras Capital Recovery purchases defaulted and discharged credit card accounts, personal loan accounts, and other types of credit accounts from an array of companies operating in different sectors of the economy.

Read Integras Capital Recovery reviews online

Looking for info on what other people have shared about their debt collection experience with Integras Capital Recovery? If so, take a moment to read these real online reviews:

It’s not unreasonable to point out that the online reviews of Asset Acceptance are up and down (i.e., some positive, some not so positive). Despite the mixed reviews, this should not deter you from taking steps to engage with Integras Capital Recovery in an effort to resolve your debt collection matter. Generally speaking, debt collectors - including those affiliated with Integras Capital Recovery - are open to working with people to resolve their debt issue. Effective communication is important.=

Nevertheless, if the prospect of contacting a debt collector to negotiate sounds like nails on a chalkboard, then consider using SoloSettle to negotiate online and resolve your debt through our innovative digital settlement platform.

How to Settle a Debt with Integras Capital Recovery LLC

You can try to negotiate a settlement on an unpaid debt at any stage - even after Integras Capital Recovery LLC has filed a debt collection lawsuit.

Here are some steps you can take to negotiate a debt settlement with Integras Capital Recovery LLC:

  1. If Integras Capital Recovery sued you, make sure to file a timely response via an Answer so you avoid the court entering a default judgment against you. This is important because a default judgment would hinder your position during settlement discussions.
  2. Take the time to calculate what you can pay towards the amount owed. For example, if you owe $5,000 and could reasonably pay half the amount and still have funds left over to cover your living expenses, then this can provide some parameters for your settlement negotiations.
  3. Contact Integras Capital Recovery and convey your settlement via a debt settlement letter requesting that the firm consider your offer. The settlement offer should be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your first offer. Make sure to engage in written settlement communications with Integras Capital Recovery and continue to use written communication throughout the process.
  4. If you are successful in reaching a debt settlement agreement, draft a Debt Settlement Agreement containing the relevant terms and provisions.
  5. Make sure both you and the debt collector sign the agreement.
  6. Be sure to pay the agreed amount in time.

To learn more about steps above and how to settle your debt, check out the following interview with a consumer rights attorney who shares tips and tricks on how to negotiate with debt collectors like Integras Capital Recovery LLC:

What happens in a debt collection lawsuit?

Your Case Can Result in Dismissal

Integras may decide to dismiss the lawsuit. Whether it has become too expensive to collect a debt or the creditor does not believe you will get a default judgment, then they may not want to pursue the lawsuit at all.

Dismissal may also happen because Integras does not have a solid case. If a creditor cannot prove that you owe them the money they are suing you for, or you request a chain of title, they may decide to drop it altogether.

You May Get the Chance for a Settlement

You may be given the opportunity to settle the lawsuit. This will occur if you push for a settlement or if you attempt to countersue. Typically, the settlement will be significantly less than the amount listed in the lawsuit.

Do This to Win Against Integras Capital

Respond to the Lawsuit to Win

Whether it is a simple debt claim or a debt lawsuit, the number one mistake borrowers make is ignoring it. When you are being sued for a debt you will always be given notice with a date by which you must respond to. This typically arrives in the form of a summons and complaint.

If you do not respond, then a default judgment will automatically be placed against you. This leads to wage garnishment or the ability to take money from your bank account.

Use SoloSuit to protect your assets by responding to debt collection lawsuits.

File Your Answer

The next steps involve asking for a stamped copy of your Answer to the debt. This should be stamped by the Clerk of Court. Next, you should send the stamped copy through certified mail to the lawyer of Integras Capital. If you miss the deadline to file your answer, you may not be able to dispute the debt from that point on.

Challenge the Debt Collector's Right to Sue

One way to respond to a debt lawsuit is to simply challenge the Integras' right to sue you at all. Because Integras purchased the debt from an original creditor (or even someone else), they may not have proof of the original debt.

If Integras is pursuing a debt against you, then pursuing a lawsuit against you is legally required to show proof that they have a right to do so. By asking for documentation, Integras must provide:

  1. Original credit agreement signed by you
  2. Documentation of the chain of custody. This includes all paperwork and proof that the paperwork is accurate and came from the original creditor.

If Integras cannot provide this documentation, then a judge may dismiss your debt lawsuit altogether.

Respond to debt collectors with Solo and get your case dismissed.

Remember That the Debt Collector Has the Burden of Proof

After being served with a debt lawsuit, the lawsuit will easily be pursued against you. Despite this, the burden of proof rests on the collector who is suing you. The burden of proof means that Integras needs to prove the following:

  • That you are responsible for the debt
  • That you owe a specific amount of money
  • That they have the right to sue you at all

Asking for proof is one way to defend yourself against a debt collection lawsuit against Integras.

Don't Make Any Payments Before You Know the Statute of Limitations

The statutes of limitations govern how long Integras or another creditor can bring you to court for a debt lawsuit. Although the rules vary based on the state you live in, it typically ranges between four to six years. It is important to note that the day the statute of limitations starts is the last day you were active on an account. This might include making a payment or drawing funds from your account. This means that it is essential to avoid making payments on a debt that you plan to fight. Otherwise, you may start the statute of limitations over again and lose your defense.

Use SoloSuit to make the right affirmative defenses the right way.

File a Countersuit When Debt Collectors Violate the FDCPA

If a debt collector overstepped Fair Debt Collection Practices Act (FDCPA) regulations, then you may be able to file a countersuit. Violations of the FDCPA include:

  • Continued attempts to collect a debt that you do not owe
  • Using harassment
  • Threatening harm or jail
  • Disclosing your debt to someone other than your spouse
  • False statements or false representation
  • Not disclosing they are a debt collector
  • Improper contact
  • Excessive phone calls
  • Calling after hours or at inconvenient times

Debt collectors that violate the Fair Debt Collection Practices Act may not only need to pay your legal fees but will typically completely drop the lawsuit altogether. If you believe a debt collector has engaged in violations, you may be able to seek compensation for any related damages.

File a Petition of Bankruptcy to Stop Debt Collection Efforts

If you owe a debt and cannot pay it, filing bankruptcy is not always a necessary option. But if you are also suffering from other financial distress, then bankruptcy might be the right option. Filing a petition of bankruptcy essentially stops all debt collection activity until the bankruptcy is handled. It is important not to take bankruptcy lightly because it will have major ramifications on your credit. It should only be used as a last resort.

Take the next step to resolve debt with Integras Capital Recovery LLC in Court

When struggling with a debt collection lawsuit from Integras, it can be extremely frustrating. Try to remember that you have options and the opportunity to beat them. Know that responding is essential, and taking steps to settle your debt is always the best option.

Settle with SoloSettle

Make an Offer

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

Debt collector guides

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

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.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

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

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

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 settlement

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

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

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.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

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

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

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

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

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.

Wage garnishment

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 your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


Contents

Affordable Legal Help
Trustpilot

Respond to Your Debt Lawsuit

Get your professionally reviewed Answer in minutes. No expensive lawyers needed.

loading...
Get My Answer
Affordable Legal Help
Trustpilot

Respond to Your Debt Lawsuit

Get your professionally reviewed Answer in minutes. No expensive lawyers needed.

loading...
Get My Answer
loading...
Get My Answer