How to Respond to Pharia LLC and Resolve Debt

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 are sued by Pharia LLC, do not give up hope. Trust Solo to guide you through the debt collection process.

When you get sued by Pharia LLC, one question comes to mind: How can you win? Your lawsuit may have blindsided you. You're caught off-guard, and you don't know what to do.

Relax, we're here for you. If you have questions about your case, we've collected all of the information you'll need to fight back against Pharia LLC.

Settle debt with Pharia LLC

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

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Who is Pharia LLC?

There is about $14 trillion of consumer debt (like credit cards and some personal loans) in the US, making debt collection a massive industry. Pharia, LLC is a legitimate debt collection agency and an important part of this industry. Pharia LLC specifically deals with debt from car loans.

Pharia, LLC's name may not sound familiar to you. That's because this is probably the first time you've heard of them. Pharia, LLC doesn't lend money itself. Instead, the company buys debt from lenders who don't want to collect it themselves. They bought your debt, and now they're coming to collect it.

Respond to debt collectors in 15 minutes with SoloSuit.

Who does Pharia LLC collect for?

Pharia LLC purchases charged off and delinquent accounts from an array of companies operating in different sectors of the economy, though most notably in the auto loan sector.

How to effectively negotiate debt with Pharia LLC

With the assistance of SoloSettle, you can take proactive steps to try and negotiate a debt settlement where you wind up only paying only a percentage of what is actually owed. Many debt collectors, including Pharia LLC, may be amenable to accepting such a settlement for an amount less than what you owe. This is because, despite the reduced amount, they are still successfully collecting on the debt.

By way of background, debt settlement generally involves paying a portion of your total debt. You agree to make the settlement payment in order to clear your name of the debt and dismissal of the debt collection lawsuit. If you're experiencing unexpected financial hardship, most creditors and debt collectors are willing to work with you, whether that's settling for a smaller, lump-sum payment or working out a payment plan that works with your budget.

If debt settlement sounds like a viable option for you, one of the first steps is to determine how much you can reasonably afford to pay toward the amount owed. Once your figure out that number (or possibly a settlement range), you should start communicating with Pharia LLC. Generally speaking, the higher your settlement offer, the more likely Pharia LLC will accept it.

As a general rule of thumb, consider offering anywhere between 40 percent and 60 percent of the debt’s total value. Bear in mind that you may need to engage with a back and forth with Pharia LLC before you reach a settlement agreement.

To learn more about the debt settlement process, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

SoloSettle is a tech-based approach to debt settlement. Our settlement platforms helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

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Learn All You Need to Know About Debt Collection Lawsuits

A lawsuit is one way collection agencies can pursue a debt. However, they're also one of the most expensive. Debt collection lawsuits are usually reserved for clients who are difficult to find or refuse to pay. Below, we'll cover some language that applies to any debt collection case.

Familiarize Yourself With These Important Debt Collection Lawsuit Terms

  • Complaint - A Complaint initiates a lawsuit. It's a document that outlines the plaintiff's case against the defendant. In the Complaint, the plaintiff needs to present evidence to support their case.
  • Service - “Service” essentially means “proof of delivery.” In court cases, parties need to prove that they delivered documents to other parties. When you received your Complaint, it was served to you.
  • Creditor/Plaintiff - The party that initiates the court case. A plaintiff is asking the court to hear their case because they have been somehow wronged. In debt collection cases, the plaintiff is a creditor.
  • Debtor/Defendant - The party who allegedly owes money to the creditor. In your debt collection lawsuit against Pharia, LLC, you are the defendant.
  • Answer - A defendant's response to the plaintiff's accusations in the Complaint. In your answer, you'll tell the court why you are not responsible for paying Pharia, LLC.

Now that you understand some of the legalese involved in debt collection suits, we can look at how they work.

Use SoloSuit to file an Answer fast and block a default judgment.

Know the Debt Collection Lawsuit Process

A debt collection lawsuit begins when the plaintiff serves the complaint to the defendant. Once that happens, it's go-time. In most jurisdictions, you only have between 14 and 30 days to reply with your Answer.

Thus, your first order of business will be to draft and file an Answer. In your Answer, you have the chance to tell the court why you're not responsible for the debt in question. The court will only accept a few specific reasons for your innocence. These reasons are called “defenses,” and include several tactics.

  • Lack of evidence - Pharia LLC has to prove you owe them money, not the other way around. That means they must show the court a clear paper trail tracking the debt back to its origin. If they don't have your original debt agreement or paperwork showing they purchased the debt, the court may throw out your case.
  • Incorrect debt amount - Have you already paid off some of your debt, but Pharia LLC's Complaint doesn't reflect it? Sometimes, debt collectors don't do the math before filing a Complaint. If you don't owe the full amount listed in your Complaint, submit documentation proving your payments.
  • Statute of limitations - Debt collectors can't just enforce age-old debts. “Statute of limitations” is essentially legalese for “cutoff date.” If Pharia LLC didn't file their Complaint before this cutoff date, they no longer have a right to sue you. Each state has laws establishing a statute of limitations for debt collection cases.

Pick the right affirmative defense with SoloSuit.

The court will only see these reasons as legitimate reasons for non-payment of debt. Your Answer can't contain reasons you didn't pay your debt or a promise to do so in the future. You must prove one (not all) of these court-accepted defenses.

Make sure you file your Answer within the court-appointed timeline in your jurisdiction. If you don't, Pharia LLC will automatically win the case against you. That's bad news.

Also, keep in mind that filing an Answer is only the start of resolving a debt lawsuit against Pharia LLC. While it will block a default judgment, it won’t guarantee a victory in court. So, consider negotiating with Pharia LLC before your court date to settle the debt without the lengthy and costly court process.

Be Prepared for Your Debt Collection Lawsuit's Outcome

The vast majority of debt collection cases never get past a Complaint. Most defendants ignore the case against them and lose by default.

If Pharia LLC wins their case, they can begin pursuing your income and assets. One of the most common tools they use to do this is called garnishment.

In everyday English, a garnishment is a delightful edible addition to a food dish. Chefs may use garnishments to enhance flavor or make the colors of a dish “pop.”

In legalese, garnishments are a different animal. They're a court order to take a portion of any income you make. Creditors can garnish paychecks, alimony, child support - basically any source of income.

Don't let either of these outcomes happen to you. Make sure to respond with your Answer within the court-appointed time frame!

Beat Pharia LLC in Court

Ok, so you've determined that it's important to Answer Pharia LLC's Complaint. But how do you proceed? Contrary to popular belief, you don't need a lawyer to win a debt collection case. You can successfully represent yourself - and many people do. It won't be easy, and you'll need a guide.

Start with SoloSuit. An easy 15-minute questionnaire is all it takes to generate your personalized Answer. It's completely free, with no hidden fees or costs. Our on-staff attorneys will review your paperwork for errors and file it with the court for you. Don't let Pharia LLC get away with your money. Get on the path to your financial freedom.

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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