Is Monarch Recovery Legit? How to Respond and Resolve Debt

George Simons | January 27, 2025

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: Is Monarch Recovery suing you for a debt? Be sure to file an Answer so you don’t get hit with a default judgment. This can buy you the time you need to negotiate with Monarch Recovery to settle the debt outside of the court system. SoloSettle can help you streamline the settlement process.

Yes, Monarch Recovery is a legit debt collector that may call you or sue you to collect a debt you failed to pay.

A lawsuit is stressful for most consumers. It signals the beginning of court battles, keeping track of hearing dates, and the fear of losing. If Monarch Recovery Management sues you, you may go into freeze mode and try to wish the lawsuit away, especially if the debt is too high to pay in full. Such a reaction would be detrimental to your credit health and result in the court issuing a default judgment.

Instead of panicking, consider how to resolve the matter quickly. If you can afford it, pay it off as soon as possible. If that’s not possible, you may be able to settle it for less than you owe. But you must first respond to the lawsuit before it’s too late and then negotiate a settlement.

This article discusses how Monarch Recovery operates and how to contact the company. You will learn how to respond to the debt collector’s lawsuit and settle it out of court.

Settle debt with Monarch Recovery

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

Settle with SoloSettle

What is Monarch Recovery?

Monarch Recovery Management is a collection agency based in Bensalem, Pennsylvania. It was founded in 1973 and has over 300 employees. Monarch specializes in contacting consumers who owe money to its clients and skip tracing to find consumers’ new addresses. After finding debtors, they set up a repayment plan and ensure they follow it.

You can contact Monarch Recovery Services at the following address:

  • Phone: 215-281-7500
  • Toll free: 800-220-0605
  • Email: webmaster@monarchrm.com
  • Address: 3260 Tillman Drive, Suite 75, Bensalem, Pennsylvania 19020

Read Monarch Recovery Management reviews online to learn how to engage with them

Monarch has contacted many consumers about debt. If you want to see which approach works to resolve debt with the company, read their reviews online on the following links:

You will find mixed reactions online. Some consumers have benefited from working with Monarch Recovery. The following is a review left by Michelle B.

“I want to thank Monarch Recovery Management for helping me through a financially troubling time in my life. Your staff has always been polite, professional, and quick to answer my questions. Thanks for making this very difficult situation a little less stressful.”

Michelle’s example shows that answering debt collection calls can be the start of your financial recovery. Being willing to engage and communicate with Monarch Recovery can speed up the process of paying off your debt and make it less painful.

Negotiate with Monarch Recovery Management to settle your debt.

Who does Monarch Recovery Management collect for?

Monarch Recovery Management collects for companies in the following industries:

  • Credit card
  • Healthcare
  • Automotive
  • Utilities

They also collect debt on behalf of debt buyers and property managers. Monarch Recovery Management writes a series of letters and uses data collection via skip tracing software as a tool to collect debts. They claim to make at least four phone calls to every new account in the first week.

Your rights under the FDCPA

The Fair Debt Collections Practices Act (FDCPA) protects consumers from predatory debt collectors. The law prevents any of the following practices.

  • Early morning or late night calls (before 8 am and after 9 pm)
  • Calls at work when your employer prohibits such communications
  • Calling your family, friends, neighbors, or coworkers about your debt
  • Threats that include violence, lawsuit, or arrest for a debt
  • Attempting to collect more than you owe
  • Threats of adverse credit reporting
  • Any attempts to intimidate
  • Criminal accusations
  • Use of obscene language during an attempt to collect
  • Automated robocalls

You should also be wary of fraudsters who pose as debt collectors and ask for sensitive personal information.

How to respond to a Monarch Recovery Management lawsuit

If Monarch Recovery Management is suing you, follow these steps to resolve the lawsuit.

File a written Answer

The first step in resolving a debt collection lawsuit by Monarch Recovery is responding. Most consumers who are sued for debt automatically lose because they don't respond. You can beat the odds by drafting a written Answer to the lawsuit and submitting it to the court for filing.

If Monarch Recovery is suing you for debt, you should have received the court documents notifying you of the lawsuit and listing the specific allegations against you; these documents are called Summons and Complaint. You should always respond to the Summons and Complaint to avoid a default judgment. Default judgments grant Monarch Recovery the right to garnish your wages and put liens on your property (house, car, etc.).

You don’t require an attorney to file the Answer. You can save money and time by representing yourself. With the help of SoloSuit, you can draft and file a written Answer to your lawsuit in minutes and have an attorney review your document for accuracy. We also file for you at the court and ensure Monarch Recovery gets a copy of your response.

A debt collection lawsuit isn’t over once you file your Answer. You must continue to monitor the case as it progresses through the court system until it is either dismissed or resolved in some other way. Be sure to respond to any requests for information from the court and attend all hearings until you achieve a satisfactory resolution.

Here's a flowchart that outlines all the possible routes a debt lawsuit can take:

As illustrated in the chart above, not taking any action when facing a lawsuit means you may automatically lose, even if the debt is not yours or the details are incorrect. You should engage the debt collector to resolve the debt as soon as they contact you.

In the following video, George Simmons explains how to respond to debt collection lawsuits.

How to settle a debt collection lawsuit with Monarch Recovery Management

If you cannot pay off a defaulted account, request Monarch Recovery to settle. With some courage, savings, and decent negotiation skills, you may convince them to accept a significantly lower amount.

To settle a debt, follow these four steps:

  1. File a written Answer if you’ve been sued.
  2. Determine how much you can afford, then make an offer.
  3. Get the debt settlement terms in writing.
  4. Pay the agreed-upon amount on time.

You can use SoloSettle to make your offer to Monarch. When you log in to the web app, you will be prompted to answer a few questions. The software uses the information you provide to negotiate the best deal, but you stay in control and only accept to pay an amount you are comfortable with.

Settle with SoloSettle

Make an Offer

Challenge the company's legal right to sue

Another method of responding to a debt collection lawsuit is to challenge the right of the company to file the lawsuit against you. When a debt is brought to court, it may have been sold multiple times. This means that Monarch Recovery may not have the legal proof required to sue you. If you ask them to show proof that they have a right to sue, and they can't, then the case will most likely be dropped.

Examples of proof include:

  • Credit agreement signed by you
  • Documentation of the chain of custody of all paperwork

This means that they must prove that you:

  • Are responsible for the debt
  • That they have the right to sue you
  • That you owe a specific amount

Look into the statute of limitations

The statute of limitations governs how long a creditor can legally sue you for debt. This depends on the state you live in and the type of debt you have. However, typically, it is between four and six years since the last day you were active on an account.

Activity on an account typically refers to making a payment or drawing funds from the account. It might include the last time you chose to make a purchase or made a payment on the balance of the card. This is why you should never make a payment on any delinquent account or any account that is going through a lawsuit, as you may risk resetting the clock under the statute of limitations.

File a counterclaim

If a debt collector violated the Fair Debt Collection Practices Act, you could be entitled to sue them for legal fees and other damages they may have caused.

If Monarch Recovery Management has violated the FDCPA then you can file a claim against them to recover damages. Some of the damages that can be caused by this type of case include:

  • Physical distress caused by harassment: This may cause you to suffer migraines, tension headaches, high blood pressure, depression, anxiety, or panic attacks.
  • Emotional distress caused by harassment: This may include mental anguish, damaged relationships, etc.
  • Statutory damages: For those who have suffered from harassment and violations, it is possible to collect $1,000 in statutory damages from Monarch Recovery Management per violation of the FDCPA.
  • Lost wages: If Monarch Recovery's debt collection tactics caused you to miss work, it is possible to be compensated for lost wages.
  • Recovery of wage garnishment: If your wages have already been garnished due to an FDCPA violation by Monarch Recovery Management, then they can be returned to you.
  • Legal fees: You can ask that Monarch Recovery Management cover your legal fees, including attorney's fees and court costs.

Note that Monarch Recovery Management trains its agents to be fair and respectful when working with debtors to resolve debt accounts. Even though this is a priority for the company, some debt collectors can go rogue, and knowing your rights will help you protect yourself if you’re treated unfairly.

To learn more about how to negotiate with Monarch Recovery and settle your debt without legal issues, check out the following video for tips and tricks directly from a lawyer:

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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