How to Settle Debt With Mountain Land Collections

George Simons | January 31, 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: Mountain Land Collections is a legit debt collector. To settle your debt, ask the collector to validate it so you better understand where it’s coming from. Then, negotiate a settlement or payment plan within your budget. Use Solo to respond and negotiate.

Receiving communication from Mountain Land Collections or any other debt collector can be an unsettling experience. But did you know debt collectors like Mountain Land Collections want to help you get out of debt? As most consumers wrongfully believe, debt collectors are not there to complicate your life.

You’re probably wondering what is Mountain Land Collections? And how do I respond when Mountain Land Collections calls? Keep reading to find out.

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What is Mountain Land Collections?

Mountain Land Collections is a legit debt collection agency that works to recover outstanding balances for various creditors. The agency acts as an intermediary, aiming to collect unpaid debts on behalf of companies or individuals who are owed money.

Mountain Land Collections has been in business for over 33 years and is headquartered in American Fork, Utah. Whether the debt stems from medical bills, retail accounts, or other financial obligations, Mountain Land Collections reaches out to individuals to resolve the balances. Their contact information is as follows:

  • Phone number: (801) 492-0136
  • Address: 852 E 1050 S, American Fork, UT 84003-3798
  • Website: https://www.mlc123.com/

Who does Mountain Land Collections collect for?

Mountain Land Collections partners with a range of businesses across industries. Some of the creditors they commonly work with include:

  • Medical providers such as hospitals, clinics, and specialty practices.
  • Retail businesses offering credit options for purchases.
  • Utility companies that provide electricity, water, or other essential services.
  • Educational institutions such as colleges or programs seeking payment for tuition or fees.

This variety means they may reach out regarding debts from different sectors, and knowing the original creditor is crucial in understanding the debt. Do not dismiss them because you have not dealt with them directly.

Read Mountain Land Collections reviews online.

If you’re dealing with Mountain Land Collections, it can be helpful to read reviews from others who have interacted with them. While experiences can vary, these reviews provide a glimpse into what you might expect and offer tips on managing your interactions with the agency. The following are three platforms for you to have a feel of how they operate:

Despite the mixed reactions, you have an opportunity to have a positive experience with Mountain Land Collection when you approach the situation with a solution-focused mindset. Lisa C received the help she needed because she focused on clearing the debt. Here's what she had to say:

“I had an excellent experience today with Danielle at Mountain Land Collections. She listened, understood what I was saying, and gave me the information I needed to remedy the situation. She also gave me some time to investigate why my bill was sent to collections. She was super sweet and funny, which made the whole experience a lot easier. So thank you, Danielle.”

Like Lisa, you can work with Mountain Land Collections to validate your debt and explore settlement options. There’s a good chance you can settle the debt for less if you are willing to openly engage with the Mountain Land debt collectors.

Sued for debt? Respond to the lawsuit to avoid default judgment

If you are served with a Summons and Complaint by a representative of Mountain Land Collections, it is critically important to respond to the lawsuit and your response needs to be filed in a timely manner.

One of the most common mistakes people make when they are sued by a debt collection company is failing to respond to the Summons and Complaint. Whether you actually owe the debt or believe you were sued by mistake, you need to respond to the allegations levied by Mountain Land Collections. In legal terms, your response to the Complaint is known as an Answer. Here are the steps to take when responding to the lawsuit:

1. Review the Complaint carefully

The first thing you’ll receive in the lawsuit is a Complaint that outlines the debt collector’s claims against you. Go through each paragraph in the complaint and make sure you fully understand what’s being said.

2. Respond to each allegation

You must respond to each of the allegations in the complaint. You can do this by either:

  • Admitting the debt if you believe it is accurate.
  • Denying the allegations if you believe they are incorrect or unproven.
  • Stating lack of knowledge if you do not have enough information to verify or deny a statement.

When you address every point raised in the complaint, you ensure that the case continues and that your side is heard.

3. Include your defenses

Your response should also outline any affirmative defenses you have. This is your chance to explain why the debt may not be valid. Some common defenses include:

  • The debt is not yours.
  • The statute of limitations has expired.
  • The debt has already been paid.
  • The agreement was canceled.

Including these defenses in your response is critical, as failing to do so could limit your ability to raise them later.

4. File your response with the court

Once your response is ready, you must file it with the appropriate court. This will involve submitting your answer within the time frame provided in the Summons. Be sure to file the response with the court and the Mountain Land Collections.

5. Keep records

Maintain a copy of everything you file and any correspondence or responses you receive from the court or the plaintiff. Having a clear record of all communication will be helpful if the case continues.

The reason responding is so important is because failing to do so will allow the debt collection company to obtain a default judgment against you. If a default judgment is entered against you, Mountain Land Collections will be authorized to garnish your wages, take money from your bank account, collect attorney's fees and court costs, and seize your property.

SoloSuit makes it simple to respond the right way.

Another important reason to respond to the lawsuit is that many debt collection companies, like Mountain Land Collections, assume you will not file an Answer to the Summons and Complaint. This is because the vast majority of people fail to respond. As a result, when you take the time to respond, it catches many debt collectors off guard. It could even create an opportunity to reach a settlement or out-of-court resolution with the debt collector.

Ask Mountain Land Collections to prove you owe the alleged debt

There is a good chance the debt claimed in the lawsuit has been packaged, sold, and resold before the current debt collection agency, such as Mountain Land Collections, purchased it and is suing you to try and collect on it. As a result, a strategy for challenging the lawsuit is simply requesting that the debt collection company provide the original signed agreement and a balance on the account from zero to the present. In many instances, the debt collection company only has a portion of the statements and likely will not have access to the original signed agreement.

Pay attention to the statute of limitations

As mentioned earlier, many debt collection companies (including Mountain Land Collections) assume most people will not respond to the collections lawsuit, and they will obtain a default judgment. As a result, there are many instances when the debt collection company fails to take the time to confirm that they can legally sue you for the debt. Keep in mind that if the applicable statute of limitations has expired, the debt collector is legally prohibited from suing you for the debt. In most states, a debt collector only has a finite amount of time to sue you for an alleged delinquent debt.

SoloSuit files for you.

If the statute of limitations expires, you can raise it as an affirmative defense that could enable you to file a motion to dismiss the lawsuit entirely.

File a counterclaim against the debt collector

In addition to filing different affirmative defenses in response to the debt collector's lawsuit, you also have the option to go on offense by filing a counterclaim against the debt collector. A counterclaim could be pursued if the debt collector violated a provision of the Fair Debt Collection Practices Act (FDCPA).

Consumers have the right to file a lawsuit for alleged violations of the FDCPA, such as receiving collection calls before 8:00 AM or after 9:00 PM. If you prevail in this counterclaim, you could be entitled to statutory damages of $1,000 plus punitive and economic damages.

How to settle debt with Mountain Land Collections

If you're dealing with Mountain Land Collections and seeking a way to settle your debt, it's important to approach the situation strategically to avoid further financial strain or complications. Here are the steps to help you negotiate and settle your debt:

  1. Understand the debt. Before you engage with Mountain Land Collections, it's crucial to understand the full details of the debt. Review any paperwork you’ve received and ensure that the amount, creditor, and terms are accurate. This will help you avoid disputes and strengthen your position when negotiating.
  2. Determine how much you can afford to pay off. Take a clear look at your finances to determine what you can afford to pay. If you are unable to pay the full amount, you can negotiate a lower settlement amount or arrange for a payment plan that works within your budget.
  3. Make an offer. Once you have all the necessary information, contact Mountain Land Collections to discuss your debt. Approach them respectfully and express your desire to resolve the matter through settlement.
  4. Get the agreement in writing. If you reach an agreement to settle the debt, it’s crucial to get the settlement terms in writing. This should include the exact amount you’ll pay, the date by which it’s due, and any conditions regarding your credit report.
  5. Pay off the debt as agreed. Once the settlement is agreed upon and documented, make sure to pay on time. Whether it’s a lump sum payment or a payment plan, keeping your end of the agreement is essential to avoid further legal action or damage to your credit score.

To learn more about these tips and how to settle your debt, check out the following video:

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