Start My Answer
loading...

How to Resolve Debt With Radius Global Solutions

George Simons | December 19, 2024

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: Negotiate and settle debt with Radius Global Solutions by verifying the debt, making a realistic offer, choosing a payment plan that fits your budget, and getting the agreement in writing. SoloSettle can help you with all this and more.

Facing a debt collection agency in court, like Radius Global Solutions, can be intimidating. With almost 40 years of experience in collections, this agency understands the ins and outs of collection laws and may seem to have the upper hand against you in a debt collection lawsuit.

However, do not give up hope. You have options to resolve your debt troubles Radius Global Solutions. You can try to negotiate a settlement or you can take steps to present your case in court and beat Radius Global Solutions.This article explains what you need to know about debt collection lawsuits and Radius Global Solutions.

Settle debt with Radius Global Solutions

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

Settle with SoloSettle

What is Radius Global Solutions?

Radius Global Solutions LLC is a debt collection agency based out of Edina, Minnesota with offices throughout the US and other countries including Colombia, India, Philippines, and more. Established in 1982, the Edina-based company has serviced more than $6B in loan balances for one of the nation’s largest private credit card issuers.

Here’s the Radius Global Solutions phone number and other contact information:

  • Phone: 877-258-1590
  • Address: 7831 Glenroy Suite 250, Edina, MN 55439
  • Email: consumersupport@radiusgs.com

Who does Radius Global Solutions collect for?

Radius Global Solutions, LLC collects payments for third parties from different industries, such as healthcare, utilities, telecom, retail, and government.

Read Radius Global Solutions reviews online

If you want to know what other consumers have to say about their interactions with Radius Global Solutions, check out these reviews:

While there aren’t many Radius Global reviews online, one thing is for certain: if you engage openly and willingly with a Radius Global debt collector, your chances of resolving the debt increase significantly.

Why is Radius Global Solutions calling you?

If you receive a phone call from Radius Global Solutions, one of your lenders may have handed over your unpaid debt account to the company for collections. Since this agency collects for companies from different industries, they may contact you for uncleared debt accounts, such as credit cards, medical debts, personal loans, or student loans.

The Fair Debt Collection Practices Act (FDCPA) allows debt collection agencies to contact you through various means of communication like phone calls, emails, and messages. However, these agencies must follow certain debt collection rules. For example, they must:

  • Identify themselves as a debt collection agency and provide you with information such as their name and address.
  • Inform you about the debt, the amount you owe, and the creditor's name.
  • Inform you how to dispute the debt or seek debt verification information.
  • Provide you with the written debt verification information within five days of initial contact.

Afterward, the agency begins the debt collection process. You may witness more phone calls, messages, and emails. And, they might also propose a repayment plan if they reach you. Radius will send you one final notice before filing a lawsuit if none of their collection efforts bear results.

You'll receive a debt collection Summons to which you must respond.

Settle debt with Radius Global Solutions

If you owe the debt and want to avoid going through the hectic court processes, you can try negotiating a settlement amount. The agency may agree to settle for a lesser amount than nothing at all. They may also agree not to report your account to credit bureaus once you pay the settlement amount.

Now, if you’re wondering how to negotiate debt with collectors like Radius Global Solutions, here are a few tips from an attorney:

Watch the following interview with attorney ___ to learn more about these tips:

  • Be open and honest. Start by being truthful about your financial situation. Creditors often know more about your income, expenses, and debt history than you think. Being upfront builds trust and helps you reach a realistic agreement.
  • Consider your payment options. Decide which type of payment works better for you between a lump-sum or monthly payment plan. Choose a lump-sum if you can afford paying a larger amount upfront. This can lead to a better settlement deal since creditors prefer quick resolutions. However, if you can’t afford a lump sum, offer a payment plan. Just make sure it fits your budget, and you can commit to it.
  • Use bankruptcy as leverage (but only if it’s realistic). If bankruptcy is a genuine option for you, mention it carefully. Creditors may agree to settle for less to avoid getting nothing if bankruptcy is filed. But don’t use this as an empty threat—it won’t work and could harm negotiations.
  • Make a realistic offer. Start with an offer that’s fair but leaves room to negotiate. Offers that are too low might not be taken seriously, while offers that are too high leave you no space to adjust. For example, if you’re prepared to pay 50%, start by offering 30-40%.
  • Be ready for counteroffers. Negotiating takes time and often involves multiple rounds of offers and counteroffers. Creditors might reject your first offer but come back with a slightly higher demand. Stay calm, stick to your budget, and don’t feel pressured to agree to something you can’t afford.

By following these tips, you can increase your chances of settling your debt in a way that works for both you and your creditor. Remember, negotiation is about finding a middle ground—be patient, flexible, and honest throughout the process.

Let's consider an example.

Example: Tina fell behind on her credit card payments, and after about 6 months of missed payments, she started receiving phones calls and letter from Radius Global Solutions. She knew that the debt was valid, but Tina didn't have the funds to pay it off. She used SoloSettle to make an offer to pay off 50% of the debt immediately. Radius Global Solutions denied her first offer. After a few rounds of negotiating on the SoloSettle platform, Tina and Radius Global Solutions reached an agreement. She would pay off 80% of the total debt amount over the course of about 8 months.


For more tips how to settle debt with Radius Global Solutions, watch the video below.

SoloSettle makes it easy to start the debt settlement negotiation process. Keep in mind that many debt collection agencies are willing to settle for less than the original amount, because often they purchase the debt for pennies on the dollar. This means you can pay less than you actually owe, and Radius Global Collections will still make a profit.

Remember to keep copies of all agreements you reach with Radius Global Solutions and honor your part of the agreement.

Settle with SoloSettle

Make an Offer

Respond to a debt collection Summons from Radius Global Solutions

How you respond to the debt collection Summons and Complaint filed against you may impact the final ruling on the case. If you ignore the court Summons, there is a high probability Radius will file a Motion for Summary judgment against you. If the court grants the Summary Judgment motion Radius there is an equally high probability Radius will then ask the court to issue a wage garnishment order allowing them to collect part of your wages to recover the debt.

You need to take note of the time limit you have to respond to the court Summons. This time limit varies from one state to another and may be found on the paperwork you receive along with the court Summons and Complaint.

After confirming the deadline, follow these three steps:

  1. Respond to each complaint in separate paragraphs.
  2. Assert your affirmative defenses.
  3. File your Answer with the court, and send a copy to Radius Global Solutions.

Now, let's break down each of these steps a little further. Don't like reading? Check out this video to learn more about these three steps to respond to a debt lawsuit.

1. Respond to each complaint in separate paragraphs

The complaint contains all the legal claims by the plaintiff in paragraph form. You must read each claim and decide how you respond to it. Typically, there are three ways to respond to these claims.

  • You may admit a claim if you agree.
  • You may deny the claim if you disagree.
  • You may deny the claim due to lack of knowledge if you aren't sure.

In most cases, attorneys suggest that you deny as many claims as possible. Denying is kind of like stating, “Prove it.” It forces Radius Global Collections to provide the proper documentation and paperwork to prove their case. If they don't have the necessary proof, the case will probably be dismissed.

You can use SoloSuit to draft an Answer in 15 minutes.

2. Assert your affirmative defenses

Affirmative defenses are the reasons why you believe the debt collection agency has no case against you. It's the best chance you have to challenge Radius Global Solutions and beat them later in court.

Examples of affirmative defenses include:

  • The statute of limitations on the debt has already expired.
  • The creditor canceled the debt agreement.
  • You filed for bankruptcy, thus, dismissing the debt.
  • You already cleared the debt.
  • The debt account doesn't belong to you.
  • You didn't receive a notice for debt validation from the plaintiff.

Remember to collect evidence of these affirmative defenses to support your claims. Since asserting affirmative defenses is a one-time chance, you need to explore all available defenses to improve your chances of winning the case. Once you file your initial Answer, you won't be able to bring up any defenses later on in the case.

SoloSuit can help you make the right defense the right way.

3. File Your Answer

After completing your Answer with your responses and affirmative defenses, the next step is filing your Answer. You have to make two copies of the Answer document. Mail one of the copies to the court and the other to the plaintiff or their attorney. Ensure that you use Certified Mail services to obtain proof of mailing and delivery.

SoloSuit can file your Answer for you in all 50 states.

Filing an Answer to a debt lawsuit is only the first step to resolving the case. If you’ve been sued by a debt collector, filing the Answer will prevent default judgment but it won’t get the case dismissed automatically. To settle the case, reach out to the collector or its law firm to negotiate.

Report Radius Global Solutions debt collectors if they violate the FDCPA regulations

The Fair Debt Collection Practices Act protects you from unfair debt collection practices from debt collectors. For example, these laws prohibit collectors from identifying themselves as attorneys or government representatives. The laws also prohibit them from garnishing your wages without a court order.

If a debt collector violates any of these rights, and many others, you have the option to submit a complaint with the Consumer Financial Protection Bureau (CFPB) and the Fair Trade Commission (FTC). You may also file a lawsuit against them for violating the state collection laws within one year. If you win the lawsuit, the court may order the agency to pay for the damages and court fees incurred.

However, suing a debt collector for violation of collection laws doesn't take away your debt responsibility. You will still be responsible for repaying what you owe.

Dispute a debt with Radius Global Collections

If you believe that you don't owe the debt, you can dispute it in writing within 30 days from the day Radius Global Solutions contacts you. When you do so, the agency will stop all collection processes until they verify the debt. Send a Debt Validation Letter to formally request that Radius Global Collections verify the debt. Many debt collectors give up after receiving such a letter.

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