How to Settle Debt With Prince Parker and Associates

George Simons | January 29, 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: Settle with Prince Parker by negotiating a payment plan or lump sum. Respond with a written Answer if you’ve been sued, use a debt validation letter to verify the debt details, and get all settlement agreements in writing. Solo can help with each of these steps and more.

Prince Parker and Associates is not just any debt collector. The company is licensed and bonded in every state. So wherever you are in the United States, you should not be surprised if they contact you.

Add to that the fact that it collects debts for credit providers across different industries, and the probability of hearing about them increases. Prince Parker's clients include telecommunications, hospitals, digital and print media marketing, and utilities.

But you should not feel intimidated because Prince Parker is a big company. You can be equal to the task with some information and a few tips.

So, how does Prince Parker operate?

Settle debt with Prince Parker and Associates

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

Settle with SoloSettle

What is Prince Parker and Associates?

Prince Parker and Associates, also called Prince Parker or PPA, is a legitimate debt collection agency headquartered in Charlotte, North Carolina.

  • Phone: 704-841-2424
  • Physical address: 8625 Crown Crescent, CT #200, Charlotte, NC 28227
  • Mailing address: P. O. Box 474690, Charlotte, NC 28247-4690
  • Website: https://www.princeparker.com/

Who does Prince Parker and Associates collect for?

Prince Parker and Associates collects for companies and organizations in the following industries: medical groups, hospitals, telecommunications, communications satellite, internet broadband, digital and print media marketing, utilities, and more.

Sued by Prince Parker? Use SoloSettle to settle before going to court.

Read Prince Parker and Associates reviews online

Looking for insight on what people have shared about their experience speaking to debt collectors with Prince Parker and Associates? If so, check out these real online reviews:

It’s reasonable to say the online reviews of Prince Parker and Associates are a mixed bag. Despite the up and down nature of their reviews, it is important to keep in mind that there are some individuals who’ve shared experiences showing you can achieve a resolution to your debt issue. Take, for example, the experience of a borrower named Bobby:

“I was contacted by this agency in regards to my past due AT&T business account. I had a significant past due balance after selling my business that I did not realize was still outstanding. The representative was cordial and thorough in fully explaining the unpaid charges on my bill. I appreciated her professionalism and assistance resolving the account.”

Bobby’s review shows that debt collectors with Prince Parker and Associates are generally open to engaging with you to try and resolve your debt issue. You just have to communicate, and most importantly, don’t ignore the debt. It won’t go away, and negotiating with Prince Parker and Associates to settle the debt for less may be the ideal solution for your situation.

Negotiate with Prince Parker and Associates to settle your debt

If you prefer to avoid going through time-intensive and stressful litigation proceedings, and possibly getting hit with an adverse judgment, then consider trying to negotiate a debt settlement with Prince Parker and Associates. Here are some steps you can take to try and settle your debt with Prince Parker and Associates:

Step 1: Conduct a calculation of how much you can pay towards the debt

Before starting debt settlement negotiations, make sure to properly calculate how much you can afford to pay toward the balance owed. Make sure your calculation takes other living expenses into consideration. For example, if you owe $6,000 and can reasonably pay $2,500, then this analysis gives you parameters for your debt settlement discussions.

Step 2: Reach out to Prince Parker and Associates to kick off negotiations

Once you’ve calculated how much you can reasonably repay, the next step is to try and negotiate a settlement. Start by offering a lower percentage of the total amount owed, typically 30% to 50% of the original amount, and be prepared to negotiate upward. If possible, offer a lump sum payment as creditors are more likely to accept a lower amount if they receive an immediate payment.

Step 3: Get the debt settlement agreement in writing

Before making a payment toward the debt, ensure you receive a written agreement outlining the terms of the settlement. This is known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full and that they will not pursue any further legal action or collections.

To learn more about these steps, watch our video guide below:

If you decide to engage in debt settlement negotiations with Americollect, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the credit card debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

Settle with SoloSettle

Make an Offer

How does a debt validation letter work?

A debt validation letter forces the debt collector to provide documentation for the account. You should send the letter to the debt collector as soon as they first contact you.

The letter puts PPA's collection efforts on hold until they can prove the debt is true and accurate.

Send a debt validation letter to Prince Parker and Associates.

The letter formally asks Prince Parker to provide details such as:

  • Amount of debt.
  • Name of and address of the original and current creditors.
  • Signed documents, receipts, and payment history.

You have 30 days after PPA contacts you to ask for validation. Otherwise, they will assume the debt is valid.

Let's take a look at an example.

Example: Prince Parker & Associates keeps contacting Tammy about an old medical debt that she thought was already paid off. Tammy sends a Debt Validation Letter to PPA because she suspects they have incorrect information. After some investigating, PPA realizes that the debt was paid off years ago and the documents they were given from the hospital were out of date.


Check out the video below to learn more about how a Debt Validation Letter can help you beat Prince Parker:

If PPA reports erroneous information to your credit, you can dispute it.

Dispute errors in your credit report

The FTC advises you to dispute any mistakes you notice in your report. Errors can affect your credit health. They determine whether or not you can access affordable credit, rent a house, get a job, or get insurance approval.

You are usually allowed one free credit report a year from all three major consumer reporting bureaus at AnnualCreditReport.com. However, US citizens can now get free weekly access through December 2023.

If you identify an error, dispute it by sending a letter to the bureau that reported it. Here are their addresses:

Experian
P.O. Box 4500
Allen, TX 75013

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

Learn how to create a credit report dispute letter.

Afterward, dispute the error with the company that provided that information. In this case, PPA. Use the address above to communicate with PPA.

If Pince Parker determines that they erred, they will inform the bureaus and rectify the mistake. If the error resulted from identity theft, you should report it to identitytheft.gov.

Let us see what more rights you have when facing debt collectors.

Assert your FDCPA rights

It is common for debt collectors to take advantage of consumers' ignorance. Let Prince Parker know that you know what they can and cannot do when they contact you.

For example, the caller must:

  • Identify themselves.
  • Identify who they represent.
  • Positively identify you.

They should not:

  • Call you repeatedly.
  • Use foul language when speaking to you.
  • Ask you to pay a debt that is not yours.
  • Report false information to your credit report.
  • Pretend to be government agents.
  • Pretend to be a lawyer.
  • Threaten to arrest you; because owing money is not a criminal offense.

A debt collector who is not compliant is liable to the government. You can sue them for compensation.

Make your FDCPA demand letter.

Finally, what should you do if Prince Parker and Associates sue you?

Upon receiving the court documents, read the Summons and Complaint documents carefully. Then follow the steps below to respond. Don’t like reading? Check out this video instead:

1. Respond to each claim

You should state whether you accept, deny, or deny for lack of knowledge in response to every claim that is listed in the Complaint document.

For example, suppose that PPA claims that you signed a contract with AT&T, and you do not remember doing so. You can deny the allegation.

If you deny every claim, PPA will have to prove you are guilty. Most attorneys recommend denying as many claims as possible.

2. Assert your affirmative defenses

Now that you’ve responded to each claim against you, you should list your defenses.

What reasons do you have to show you are not guilty? Is it fraud? Or maybe it is the statute of limitations? State your reasons clearly in the Answer.

Using SoloSuit to generate your Answer simplifies the process. For instance, when communicating with you, SoloSuit does not use unfamiliar words such as estoppel and res judicata. We use simple questions and fill in the legal terms for you.

Make the right defense the right way with SoloSuit.

3. File your response at the court

Drafting the Answer is important, but filing before the deadline is crucial.

In the US, you should file your Answer within your state’s deadline to avoid losing by a default judgment. The Summons usually indicates how much time you have to respond.

If you don’t respond in court in time, Prince Parker will probably be granted a default judgment against you. With this court order, Prince Parker can garnish your wages and seize your property.

You can have us file for you at a small fee. Or you can print and file yourself. Just be sure to send a copy of the Answer to Prince Parker's attorney and keep one for yourself.

Please file my Answer for me.

Only after filing the Answer in time can you offer to settle or use the Arbitration clause to get the case out of court.

Below is an example of a real customer who used SoloSuit to fight off a debt collector like PPA.

Example: Dan was sued by a debt collector after falling behind on his credit card payments during the COVID-19 pandemic. The collectors were very aggressive and, at time, hard to work with. Dan used SoloSuit to respond to the lawsuit and negotiated a settlement offer through SoloSettle. In the end, Dan was able to avoid a default judgment and reach a debt settlement with the collectors. They accepted a percentage of the overall debt amount because of SoloSuit’s help, saving Dan hundreds of dollars in the end.


Engaging with Prince Parker and Associates

When Prince Parker and Associates start contacting you, it is best not to ignore them. The debt will not go away.

Instead, respond with a debt validation letter. You can also dispute errors in your report. And if PPA sues you, defend yourself like a pro and settle the lawsuit with Solo.

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


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