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Sued by Reunion Student Loan Finance Corporation (ZuntaFi)

George Simons | January 28, 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 get sued by Reunion Student Loan Finance (ZuntaFi), respond to the lawsuit on time, request debt validation, challenge the claims to avoid a default judgment, and negotiate to settle the debt before the court date. Solo can help you streamline the settlement process.

It was probably challenging enough to pay off your student loans. If you thought that undertaking was daunting, then what do you do when you are sued by a company like Reunion Student Loan Finance Corporation? Despite the stress and uncertainty of this situation, Solo understands and is here to help.

Throughout the collection process of Reunion Student Loan Finance Corporation, you have rights and there are certain “answers” you can raise if you are named in a lawsuit. These answers are known as affirmative defenses and they can help you win a debt collection lawsuit brought against you by Reunion Student Loan Finance Corporation.

Settle debt with Reunion Student Loan Finance Corporation (ZuntaFi)

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

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What is Reunion Student Loan Finance Corporation?

Headquartered in Aberdeen, South Dakota, Reunion Student Loan Finance Corporation is a corporation in good standing with the state. It is noteworthy that on August 7, 2020 an amendment to their corporation was submitted to the South Dakota Secretary of State changing the corporate name to ZuntaFi Corp.

Located at 105 First Avenue SW in Aberdeen, Reunion Student Loan Finance Corporation (also known as ZuntaFi Corp.) focuses primarily on student loan debt.

Who does Reunion Student Loan Finance Corporation collect for?

Reunion Student Loan Finance Corporation is a Student Loan Servicer. Simply put, a loan servicer is given the responsibility of complete administration of managing the collection and resolution of a student loan by the financial institution that financed the loan. These banks and credit unions that provide the money to the borrower contract loan servicers to manage their loans.

Reunion Student Loan Finance Corporation makes a fee for every account they service for their financial institution clients. So, they have a vested interest in the resolution of every account. Failure on their part could result in the end of that contract from the bank or financial institution which results in loss revenue for Reunion Student Loan Finance Corporation.

Negotiate a debt settlement with Reunion Student Loan Finance Corporation / ZuntaFi

If you received a Summons and Complaint from ZuntaFi, you still have the option to try and negotiate a debt settlement. It is important to proactively respond to the lawsuit so you have enough time to engage in productive settlement negotiations. Here are some recommended actions to try in an effort to settle your debt:

  1. If ZuntaFi filed a debt collection lawsuit, make sure to file an Answer in a timely fashion.
  2. Assess how much you can reasonably afford to pay toward the debt total using the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Reach out to ZuntaFi and convey a reasonable settlement offer.
  4. Make sure your opening settlement offer is less than the maximum amount you are actually able to pay, in the event an offer is accepted by the debt collector.
  5. Be prepared to engage in multiple rounds of settlement negotiations.
  6. If you are able to reach a debt settlement agreement with ZuntaFi, make sure to get the settlement terms in writing.

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

Reunion Student Loan Finance Corporation sued you. Now what?

If you are served a summons for a lawsuit filed by Reunion Student Loan Finance Corporation, it can feel nerve wracking. Be aware that there are actions that you can take that will protect your rights as a consumer and to put yourself in the best possible position to prevail in the upcoming lawsuit.

Being sued is not something that many people have experience with and can lead to anxiety that can prevent you from taking the appropriate action. That is exactly what Reunion Student Loan Finance Corporation wants from you. If you allow yourself to be overwhelmed, there is a good chance that you will ignore the lawsuit.

This is precisely what they hope you do. You see, if you don't challenge the business affidavit and accounting of Reunion Student Loan Finance Corporation, they will proceed to attempt to secure a default judgment. If the consumer doesn't respond to the summons, the default judgement is all but assured. If the courts grant the default judgement in favor of Reunion Student Loan Finance Corporation, that is when the real nightmare can begin.

A default judgment gives Reunion Student Loan Finance Corporation the power to garnish your wages. They could choose to freeze your bank account or even seize personal property like your car in an effort to satisfy the student loan debt. You can change this from happening by responding to the Complaint.

This is critical. It is important to draft your “Answer” to the Complaint in a timely fashion. It has to be timely because most times there is a limited window of time for you to respond. When Reunion Student Loan Finance Corporation files a lawsuit they generally rely on “business records affidavits”. It is possible to raise specific defenses that could reveal the weakness in the Reunion Complaint.

Filing an Answer is just the beginning. You should attend future hearings and trials that are scheduled for your case. Alternatively, you can negotiate with Reunion Student Loan Finance Corporation to settle your debt before the court date.

Responding to Reunion Student Loan Finance Corporation Complaint

Your response to the Complaint isn't the end of the lawsuit. The Complaint has a court date and prior to that date there is a “discovery” phase. This is where both parties can submit requests in writing for information and documentation.

This is your opportunity to demand an accounting of the alleged debt and to request that Reunion Student Loan Finance Corporation provide documented proof that you owe the amount alleged in the lawsuit. This could be important because they would have to provide the documentation that the allegations in the lawsuit are 100% accurate. You can also request that Reunion Student Loan Finance Corporation justify any fees, penalties, and other expenses that have been added on to the outstanding debt allegedly owed. Basically, it is your right to hold the Reunion Student Loan Finance Corporation accountable and make them actually prove their case against you.

To summarize, here is a checklist of the things you need to do if you are sued by Reunion Student Loan Finance Corporation for an alleged outstanding debt:

  • Make sure you file your Answer within the timeframe required by the Court.
  • Never admit liability for the alleged debt (make Reunion Student Loan Finance Corporation actually prove its case against you).
  • Consider raising the affirmative defense, like the statute of limitations or the failure to establish that you actually owe the amount claimed, to highlight the glaring weaknesses in Reunion's lawsuit against you.

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Read Reunion Student Loan Finance Corporation reviews online

Many consumers have gone online to share their interactions with Reunion Student Loan Finance Corporation related to their debt collection efforts. Read these reviews to gain insight into what it’s like engaging with a ZuntaFi debt collector:

It’s fair to say the online reviews of ZuntaFi are a mixed bag. Some are not great while others are generally positive. Take, for example, the online review of a borrower named Luke:

“ZuntaFi has been professional, good at communicating and kind. They took the time to understand my circumstance when I had challenges. Yes, they are a lending company and therefor make money on the loans they provide. I applied for financing with another program and was unaware it would be through ZuntaFi.”

Luke’s review summarizing his interactions with ZuntaFi’s debt collectors support the claim that they are open to working with you to get your debt collection matter resolved in an amicable manner.

Nevertheless, if contacting a debt collector to try and negotiate a settlement sounds awful to you, then try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

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