How to Resolve a Debt Issue with SCA Collections

George Simons | January 31, 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: Received a debt collection letter from SCA Collections? Validate the debt, assert your rights under the FDCPA, and negotiate a settlement. Whatever you do, don’t ignore SCA Collections. Use Solo to be proactive and settle your debt.

Getting a debt collection letter from SCA Collections in the mail is nobody's idea of a great start to the day. And finding out that you might owe money to someone you've likely never heard of can be a real head-scratcher.

When you find yourself on the receiving end of a debt collection letter, the best way to handle it is to read through it and try to obtain the information you need to determine whether it's a legitimate debt or just someone's mistake.

The first notification that you receive in the mail from SCA Collections is likely to set off a barrage of actions. You may find yourself getting multiple phone calls from representatives of the company attempting to make you pay the debt.

To stop the calls and any other collection-related activity, try sending a debt validation letter. By law, debt collection agencies must validate a debt and give you 30 days to dispute its validity in writing.

Once you've asked SCA Collections to validate the debt, activities will cease unless they're able to provide you with documentation to verify it. Such validation normally includes the name of the original lender, your account number, your name, and the amount that was owed at the time the debt was purchased by SCA Collections.

If they provide you with the requisite information, debt collection activities will resume. However, it's important to make sure their activities are in line with the requirements set forth by the Fair Debt Collection Practices Act (FDCPA).

Settle debt with SCA Collections

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

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What debt collection activities are prohibited by the FDCPA?

The FDCPA was established in the 1970s to protect consumers from aggressive debt collection actions. Prior to the FDCPA, debt collectors were known for using all kinds of tactics to induce consumers to pay overdue debts.

These tactics could be scary and were found to be harmful to society in general. The federal government felt that reining in the methods used by debt collectors could lead to better outcomes for consumers.

Some acts that are banned by the FDCPA include:

  • Repeatedly calling an individual at their home throughout the day.
  • Letting the phone ring “off the hook” until someone answers.
  • Using abusive language toward the consumer, such as calling them a criminal.
  • Calling people at their workplace, especially when their employer forbids it.
  • Saying they are with law enforcement when they aren't.

If you experience these actions by a debt collector — or any other behavior you think might be illegal or constitute harassment — you can file a complaint with the Consumer Financial Protection Bureau.

Is SCA Collections a legitimate debt collector?

Yes, SCA Collections is a legitimate debt collector based in North Carolina. If you need to reach SCA Collections, you can use the following contact information.

  • Phone number: 800-334-7713 or 252-355-5500
  • Address: 300 East Arlington Blvd, Suite 6-A Greenville, NC 27858
  • Mailing Address: P.O. Box 876 Greenville, NC 27835
  • Email: info@scacollections.com

Who does SCA Collections work for?

SCA Collections primarily seeks to collect delinquent accounts for healthcare providers and other entities in the medical sector.

Read SCA Collections reviews online

If you are seeking info about what other consumers have said about their debt collection experience with SCA Collections, then take a moment to check out the following online reviews:

It’s not unreasonable to say that the online reviews for SCA Collections are a mixed bag, but that should not deter you from engaging with them. In fact, there are many reviews showing that consumers like you can have a productive discussion with SCA Collections regarding a debt collection matter. Let’s consider a real review posted by a borrower named Korina:

“I would like to commendate Ms. Shaka Jones for being a great educator and going above and beyond to help me with my inquiry. Not only she helped me pay my bill, but also helped me understand why I was getting billed by the institution that did not even spend any time explaining the charge to me. My bill was sent to this company even after I had called the institution multiple times in order to check for an outstanding balance. Shaka was such an excellent individual for a customer service role. I thoroughly enjoyed speaking with her! I will be leaving a 5 star Google review.”

Korina’s review shows that SCA Collections debt collectors are willing to work with people to reach a resolution to a debt collection matter. Proactive communication is vitally important.

How to negotiate debt settlement with SCA Collections

In the event you were served with a debt collection lawsuit from SCA Collections, you still have the chance to try and negotiate a debt settlement. It is important to proactively respond to the debt collection lawsuit so you have enough time to engage in productive settlement negotiations.

Here are some recommended steps to try and settle a debt with SCA Collections:

  1. After you’ve filed your Answer to the debt collection lawsuit, take the time to calculate how much you can afford to pay toward the debt by using the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  2. Once you have a general settlement range in place, contact SCA Collections to kick off settlement talks.
  3. Make sure your opening settlement offer is less than the maximum amount you can pay, since this will give you some room to negotiate upwards.
  4. Be prepared to go through potentially many rounds of negotiations.
  5. If you have success in securing a debt settlement agreement with SCA Collection, make sure to get the terms in writing. Both you and the debt collector need to sign the agreement to make it official.

To learn more about these tips and others that may assist you on your journey to settle debt with SCA Collections, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

What should I do if I'm sued by SCA Collections?

If you receive a notice that you are being sued for a debt held by SCA Collections, you'll want to take immediate action. In most cases, if you ignore the debt and it proceeds to court, a default judgment will be issued against you.

This judgment can severely impact your credit and allows SCA Collections to pursue further collection activity against you, such as garnishing your wages or freezing your bank account. You don't need that in your life, especially if the debt isn't yours to begin with.

Instead, you should file a written Answer in your local court. Here's how.

Respond to a debt lawsuit against SCA Collections

The first step to beating SCA Collections is to respond to the lawsuit with a written Answer. You have 14-35 days to submit your Answer, depending on which state you live in. If you don't respond in time, SCA Collections will request a default judgment.

You can save the money and stress of finding an attorney and represent yourself with Solo’s help.

Follow these six tips to draft an Answer to a debt lawsuit against SCA Collections:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing SCA Collections to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that SCA Collections should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to SCA Collections. At the end of your Answer document, include a certificate of service when you verify the address you used to serve SCA Collections the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

In many cases, filing an Answer will stop the lawsuit from proceeding further. Sometimes, the collection agency may drop it altogether, especially if they don't have the evidence they need to prove in court that you owe the debt.

SoloSuit can help you draft and file an Answer in all 50 states.

Learn more about these six tips in this video:

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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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