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How to Settle Debt With Sessoms and Rogers

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: If you’re being sued by Sessoms and Rogers, be sure to file a written Answer with the court before the deadline to avoid a default judgment. This will buy you time to contact Sessoms and Rogers directly to negotiate a settlement. If the thought of calling a lawyer to negotiate your debt intimidates you, use Solo to streamline the settlement process online.

If you are being sued for a debt, you need to consider all of your options. You may not even be aware of the fact that you can request a debt collector to verify your debt, and if they cannot, they are not legally allowed to sue you. This is also useful if you were to attempt to negotiate a settlement.

If you are being sued by a lawyer or debt collectors such as Sessoms and Rogers, then you must respond within the deadline and look into affirmative defenses. You should also consider proactively engaging with Sessoms and Rogers to try and negotiate a debt settlement.

Settle debt with Sessoms and Rogers

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

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What is Sessoms and Rogers?

Sessoms and Rogers is a North Carolina-based civil litigation law firm. Originally established in 1984, they have typically focused on creditor rights and debt collection for financial institutions, corporations, and individuals. Sessoms and Rogers has also worked in commercial litigation, commercial landlord representation, and appellate cases. This essentially means that they are hired to sue consumers for the debts they owe.

Below is the contact info for Sessoms and Rogers.

Who does Sessoms and Rogers collect for?

Sessoms & Rogers represents various companies in debt collection matters that operate in different sectors of the economy, such as credit card companies, auto loan companies, personal loan companies, etc.

More specifically, Sessoms & Rogers collects for:

  • Absolute Resolutions Investments
  • Ally Financial
  • Bank of America
  • Barclays Bank
  • FIA Card Services
  • LVNV Funding
  • Synchrony Bank
  • Unifund

These are just some of the clients that Sessoms & Rogers regularly represents in debt collection cases.

Read Sessoms & Rogers reviews online

Looking for info about what other consumers have shared about their debt collection experience with Sessoms & Rogers? If the answer is yes, then take a moment to check out these real online reviews:

Objectively, the online reviews of Sessoms & Rogers are relatively mixed (i.e., some good, some not so good). Despite the mixed reviews, it is recommended you take proactive steps to engage with Sessoms & Rogers in an effort to resolve your debt collection matter. It is quite common for debt collection law firms to be willing to resolve your debt issue in an amicable manner, such as through a negotiated debt settlement.

Of course, if the idea of calling a debt collector to engage in settlement talks sounds horrifying, then consider using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Send a debt validation letter to Sessoms and Rogers before they sue

There are a few forms of proof that must be provided by Sessoms and Rogers if they wish to sue you, however, they are not required to produce this to sue you. Instead, you must ask them to provide proof of:

  • Your responsibility for the debt
  • Their legal right to sue you
  • The specific amount you owe

Requiring a proof of the amount you owe can be one way to defend against a debt collection lawsuit. This might include showing that the balance was increased when you made purchases or by fees that were in the original credit agreement. You can request proof of the debt by sending a Debt Validation Letter to Sessoms and Rogers. Once they receive this letter, Sessoms and Rogers must prove that the debt is valid before they can continue contacting you about it. In many cases, this letter is enough to stop Sessoms and Rogers in their tracks.

To learn more about sending a Debt Validation Letter, check out this video:

Negotiating with Sessoms and Rogers to settle your debt

If you know the debt is yours and will need to be repaid, then you can take proactive steps to try and negotiate a debt settlement. Sessoms and Rogers may be amenable to a settlement for a lesser amount than what is actually owed. Sessoms and Rogers may also agree not to report your account to credit bureaus once you pay the settlement.

Here are some steps you can take to effectively negotiate a debt settlement with Sessoms and Rogers:

  1. Analyze your current financial situation. Make sure you write down everything you owe, including the type of debt and the total amount. Go through your monthly budget to determine if you have sufficient funds to make a reasonable payment toward a settlement. This analysis should take your monthly income and your expenses (e.g., rent/mortgage, food, savings, etc.) into consideration. Why? Because this calculation will help you in deciding whether you can realistically make a lump-sum payment if a settlement is agreed upon.
  2. Contact Sessoms and Rogers. Once you have your financial situation figured out, you can contact Sessoms and Rogers to kick off settlement talks. It's a good idea to start the negotiations with an opening offer that is lower than the amount you can actually pay toward the debt. This strategy will give you some flexibility to engage in productive negotiations.
  3. Get the Settlement Terms in Writing. If you have success reaching a debt agreement with Sessoms and Rogers, make sure to get the terms and provisions in writing. If Sessoms and Rogers drafts the agreement, read through the document carefully and make sure you understand the terms and conditions. If you have any questions or concerns about the settlement agreement, be sure to address them with the debt collection law firm.
  4. Make the payment. Once the agreement is in place and signed, make your payment on or before the agreed-upon date.

Get additional insight into how to effectively settle your debt with Sessoms and Rogers by watching this informative video:

SoloSettle makes it easy to start the debt settlement negotiation process.

What to do if you are being sued by Sessoms and Rogers

Respond to the Summons and Complaint

When you are sued for non-payment of debt, you will receive a Summons and Complaint in the mail. One of the most common mistakes you can make is not responding to that notice. If you believe that the debt is valid but you cannot pay it, then you may assume that ignoring the notice is the better option. This is not the case.

If you do not respond to the debt collection lawsuit, then you may have a default judgment placed against you. This will allow the debt collector to garnish your wages and even take money directly out of your bank account to satisfy the debt. You may also find attorney's fees, court costs, or interest added to the total amount.

Submit an Answer properly

When submitting a legal Answer document to a debt collection lawsuit, you need to ensure that you avoid admitting any liability for the debt. You should force the creditor to prove that the debt belongs to you. Here's how to do it.

The Complaint document should include a list of the specific claims against you. In your Answer, you must respond to each claim with one of the following answers:

  • Admit: This is like saying, “This is true.”
  • Deny: This is like saying, “Prove it.”
  • Deny due to lack of knowledge: This is like saying, “I don't know.”

Once you have submitted your Answer to the court, responding to each claim, you should then ask for a stamped copy of the Answer from the Clerk of Court and send the stamped copy to the plaintiff via certified mail.

Be sure to file your Answer to the debt lawsuit within the period set by the lawsuit. The deadline to respond to a debt lawsuit is usually anywhere between 14-35 days from the date on the notice. It is essential that you answer within this time period or it will be considered the same as not responding at all.

To learn more about how to draft a winning Answer, check out this video where SoloSuit's CEO and co-founder explains the most important parts of responding to a debt lawsuit:

Challenge Sessoms and Rogers' right to sue

One way to respond to a debt lawsuit is to challenge Sessoms and Rogers' right to file a lawsuit against you. When a debt has reached a third-party collector, it may have been sold once, or even multiple times. This can make it difficult for the third-party collector to prove that they own the debt.

Additionally, sometimes these debts have been purchased for next to nothing due to the fact that they do not have the proper chain of paperwork. In this situation, Sessoms and Rogers are considered the plaintiff and they must provide a credit agreement signed by you and proof that the paperwork regarding your debt is accurate and came from the original creditor. If they cannot provide this, then your case may be dismissed.

Figure out the statute of limitations on debt in your state

The statute of limitations is a set of laws that govern how long creditors can bring a lawsuit to the courts regarding a debt. Each state has a different time period, but it is usually between four to six years.

One important part of the statute of limitations is that the date it begins is the last date you were active on an account. This might include making a payment or pulling funds from a loan. By understanding the timeline on the statute of limitations in your state you can know whether or not you should pay on a debt, and if you can even be legally sued for the debt in question.

Understand violations of the FDCPA

Debt collectors that violate the Fair Debt Collection Practices Act may be required to pay your legal fees, as well as $1,000 in damages per incident. Violations of the FDCPA include:

  • Threats of bodily harm or arrest
  • Lies
  • Using profane or obscene language
  • Any threats to sue if they do not intend to do so
  • Excessive calls before the hours of 8 am to 9 pm

If you cannot pay your debt

If you are experiencing financial hardship and cannot pay off your debt owed to Sessoms and Rogers, there are a few options. Settlement is an option where you may be able to agree to pay the debt for less than the total amount owed. Another option is to enter into a debt management plan. The goal of a debt management plan would be to eventually pay back the full amount in a series of planned payments.

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