How to Answer a Summons for Debt Collection in New Mexico (2024 Guide)

Edited by Hannah Locklear

Few things in life are more stressful than finding out you're being sued. These days, with money already being so tight, it can be even more stressful to find yourself on the receiving end of a debt collection lawsuit. If you know you can't afford to hire an attorney to help you out, it can be really tempting to want to ignore the lawsuit altogether. But if you do, that only guarantees that the other side will win, so you need to resist that temptation as hard as you can.

Besides, even though responding to a lawsuit on your own sounds intimidating, it's actually a lot easier than you might think. In this article we will walk you through all of the steps to help make it a little simpler. We'll even include information specific to New Mexico, like the response deadline, online court forms, and information about new and upcoming programs in the New Mexico court system.

Table of Contents

• Deadlines
• Forms
• Fees
• Steps to Respond
• Statute of Limitations in New Mexico
• Settle Your Debt
• Check the Status of Your New Mexico Court Case
• New Mexico Debt Relief
• Stop Wage Garnishment in New Mexico
• New Mexico Debt Collection Laws
• New Mexico Legal Aid Organizations
• Key Takeaways
• Guides for Other States

Respond to your New Mexico debt lawsuit before the deadline

In New Mexico you have 30 days to file an Answer with the court after you're served the Summons and Complaint. The debt collection lawsuit begins as soon as the plaintiff (the party suing you) files the Summons and Complaint with the court. This starting date will be time-stamped by the Court on both documents you receive, as well as stated in the accompanying certificate of service. You will need to calculate the deadline to file your response from that filing date to make sure that you do not miss the 30 day deadline.

If you do not file a response before that deadline, the plaintiff can ask for the Court to grant something called a default judgment. This means that they win because you failed to respond within the allowed timeframe.

The default judgment has additional consequences as well. Because you failed to respond there was no dispute for any of the facts set forth by the plaintiff. This means they win a judgment for the full amount they requested, even if you believe that amount is inaccurate. It's too late to dispute once they have the default judgment. In addition, once they have a default judgment in their favor they can turn that Court order into a garnishment, which can take money out of your paycheck before you even see it. This will only make your financial circumstances harder than they were already, so you should do everything in your power to avoid handing them an easy victory.

Use New Mexico Answer to Summons forms

SoloSuit's Answer form is the easiest way to draft and file an Answer to a debt collection lawsuit. you can do it on your own using the forms below. All you need to do is answer a few questions online, and Solosuit's software will translate your answers into the necessary legalese and proper formatting. When everything is drafted and ready to send, SoloSuit files the document in the court and sends it to the plaintiff for you.

If you'd rather take care of the Answer by yourself, you can do it on your own using the forms below.

If your case is in the New Mexico Magistrate Court (civil claims less than$10,000) there is an online Answer Form that you can use. You'll need to go to the New Mexico Courts Forms site, choose “Magistrate Court,” then choose “Civil,” and click on option “4-301 - Answer to civil complaint” to access a pdf copy of the form. If your New Mexico debt collection case is for more than $10,000, then you will likely be in District court. In this case you will need to format and draft your own response, which we will explain in detail later in the article.

Answer filing fees for New Mexico

Luckily, there is no fee to file an Answer in New Mexico. However, if you plan to file any other type of legal document, there may be a fee associated with it.

New Mexico Court costs are listed here for each district.

Use these steps to respond to a debt collection case in New Mexico

It may well sound intimidating to think about writing your own response to a legal action, but it's actually much easier than you are expecting. So long as you follow the three steps below, each of which we will explore further in detail, you will give yourself the best chance to be victorious in your debt collection lawsuit.

1. Answer each issue of the Complaint.
2. Assert your affirmative defenses.
3. File the Answer with the court and serve the plaintiff.

Keep reading to learn more about each step. Otherwise, watch the following video to learn more:

There are a few items specific to New Mexico that you should know before creating your Answer document that may impact your timing. First, in September of 2019, New Mexico courts launched a new statewide program for online dispute resolution for lawsuits concerning consumer debt. This option, which is only available for a limited period at the beginning of a lawsuit, allows for quicker resolution of these cases without a court trial.

Second, in June of 2020 the State Supreme Court of New Mexico suspended the issuance of any new writs of garnishment and writs of execution for consumer debt collection in district, magistrate and metropolitan court cases due to the ongoing public health crisis. Garnishments, as we discussed above, allow for the opportunity to take money directly out of your paycheck or bank account by the holder of a court order. For the time being there is temporary relief from these measures.

Regardless of any stay on garnishment orders, however, make certain that you are still responding to the Complaint within the 30 day timeframe. It's still vital to avoid any default judgment. The clock starts on that 30 days from the date that the Summons and Complaint were filed.

1. Answer each issue of the Complaint.

The Complaint document outlines each claim against you. It's up to you to go through each claim separately and respond in corresponding order. Give each answer same numerical order of the allegations so that it is clear which response goes with which issue, and use of on the three answer choices below:

1. Admit
2. Deny
3. Deny due to lack of knowledge

If your case is in Magistrate Court and you are using the online “Answer to Complaint” form you'll need to consolidate your responses into a couple of specific categories in response to the form of the document. The first paragraph asks you to list any reasons that “the Plaintiff is not entitled to the amount claimed because” so here you would fill in any disputes about whether you owe the claim or the amount etc. If you have more to say than will fit on the lines provided you can attach additional sheets of paper as needed.

Alternatively you can answer three additional queries, beginning with asking you to offer any reasons that “the personal property claimed by Plaintiff should not be turned over to Plaintiff because.” That route goes on to ask you a second question, if applicable, that the “Defendant asserts the following counterclaim or set-off against the Plaintiff.” We will discuss the answer to this question in more depth in the next step for your response. The final query on this route is to ask whether a “trial by jury is demanded,” which if chosen requires an additional fee at filing.

SoloSuit makes it simple to respond the right way.

2. Assert affirmative defenses.

This next section is where you get to fight back, by using any and all applicable affirmative defenses. An affirmative defense is any reason that you can assert to show that that the plaintiff doesn't have a case. You can find a complete list of all affirmative defenses allowed in New Mexico in New Mexico's Rules of Civil Procedures Rule 1-008 (C.) If you're using the form for Magistrate court you can include this information in the three question route, under question number two.

With SoloSuit you can make the right affirmative defenses the right way.

We will discuss some of the more common affirmative defenses briefly below, but please note that this does not include all the possible choices.

• Payment: If you can prove that you've already paid the debt in question, that will stop any lawsuit in its tracks.
• Accord and satisfaction: This is a legal term for any agreement that you came to with the creditor regarding the debt in question, which could include an agreement to pay less than the total amount in full satisfaction of the debt. This is detail that could easily fall through the cracks from the original creditor when the debt was purchased by a debt collection agency. Attach any proof you have of such an agreement to your Answer document.
• The debt was already discharged in a bankruptcy. If the debt in question was already discharged in bankruptcy then no creditor can pursue collection through the courts.
• Statute of imitations has expired. A statute of limitations is a law that sets a deadline for legal action. We will discuss the New Mexico statute of limitations on debt collection in more detail later in this article.

After you go through all of your affirmative defenses you can also explore any counterclaims against the plaintiff. Counterclaims might be appropriate in the event that you can show that the plaintiff violated New Mexico debt collection laws. New Mexico follows the federal Fair Debt Collection Practices Act and supplements that protection with the New Mexico Fair Debt Collection Practices Act 61-18A-1 to further protect consumers. Do keep in mind, however, that counterclaims can be very complex and would best be pursued with the assistance of knowledgeable legal counsel.

Make the right defense the right way with SoloSuit.

3. File the Answer with the court and serve the plaintiff.

Finally, make certain that after you've put in all of your hard work to draft your Answer that you file it properly with the Court before the 30 day deadline.

To complete this final step of filing your answer you will need to do the following:

• Print at least two copies of your Answer
• Mail one copy to the court
• Mail the other copy to the plaintiff's attorney.

It can be helpful to print an additional copy for your own records and for use at any hearing or alternative dispute proceeding.

SoloSuit files for you.

Now, let's consider an example of how to respond to a debt lawsuit in New Mexico.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

Check the statute of limitations on debt in New Mexico

The New Mexico Statute of Limitations varies depending on the type of type, as outlined in New Mexico Statutes §37. For any open or oral contract, the statue of limitation on New Mexico debt collection is four years. For debt incurred by credit card, mortgage, or loans, the statute of lmitations is six years in New Mexico. This includes written or promissory contracts, like medical debt. Once this time period has passed for the appropriate type of debt, recovery through the court system is no longer an option for collection purposes.

The table below further outlines the statute of limitations on different types of debt in New Mexico.

Statute of Limitations on Debt in New Mexico

Debt Type	Deadline
Open Account	4 years
Oral contract	4 years
Credit Card	6 years
Student Loan	6 years
Medical	6 years
Auto Loan	6 years
Mortgage	6 years
Personal Loan	6 years
Judgment	14 years
N.M. Stat. § 37-1-2, 3, 4

Settle your debt in New Mexico before going to court

Settling debt can help you solve your financial difficulties by reducing the amount and number of debts you have to pay. Debt settlement will help get debt collectors off your back at any point during the collection process. However, it is advisable not to wait until you are sued to settle a debt. Here are the steps to take when you want to settle debt in New Mexico after receiving a lawsuit.

Step 1: Respond promptly to the lawsuit with an Answer

Do not make the mistake of approaching your creditor for settlement without sending an Answer. It may bear little fruit as the case will still continue in court, and your creditor may receive a default judgment. This judgment means they may be granted permission to access your wages or bank account.

You have 30 days in New Mexico to respond to the lawsuit. Ensure you answer the allegations with “Deny,” Admit,” or “Deny for Lack of Knowledge.” Remember to list the affirmative defenses that will support your case and may push the creditor to settle the debt rather than proceed with the case. Learn more on how to draft your answer in the following video.

Step 2: Make an offer and start the negotiation process

If you do not have a lawsuit, this will be your first step. Otherwise, this is the second step after you have responded to the lawsuit and confirmed the courts have received it. First, assess your financial situation and determine how much you have for debt settlement.

Next, send a debt settlement letter or use SoloSettle to start the negotiation process. Leave room to negotiate upwards if the creditor responds with a counteroffer. Explain your situation to them, but be aware that they may investigate to confirm that you do not have the means to pay.

Step 3: Put everything in writing

Once you reach a settlement deal, do not make any payments until the debt collector agrees to sign a written document. Some debt collectors are known to come back after a few weeks or months and try to collect the remaining balance. The letter should quote how much you will be paying to settle the debt in full. Include a section saying the creditor agreed to drop the lawsuit (if relevant) and mark your debt as paid or settled on your credit report. SoloSuit takes care of the paperwork once you reach an agreement with the creditor after using SoloSettle.

For more information on these three steps and how SoloSettle can help you resolve your debt lawsuit, watch the video below.

Check the status of your New Mexico court case

Finding your debt collection lawsuit in New Mexico is relatively easy. The New Mexico Inspection of Public Records Act allows you to view and make copies of your case. To succeed in finding an old or recent case, perform a quick search online or go physically to the courthouse and provide them with any of the following information:

• Case number
• Parties involved
• Court the case was filed or heard
• Type of case
• Attorneys name

This information will help you find the lawsuit so you can check the status of your New Mexico court case and stay updated on any other court dates or documents filed, which could significanly increase your chances of winning your case. To find the status of your case, you can use New Mexico's statewide court case search tool or Secured Odyssey Public Access. Follow these steps to find your case using the statewide case search tool:

1. Open the New Mexico Courts Case Lookup.
2. Scroll down and select the option that asks if you are looking for a specific case.
3. Tick the dialogue box affirming that you agree to the terms of use.
4. Choose the name search or case number search option.
5. Enter the details and search.

If you prefer using Secured Odyssey Public Access (SOPA), visit the website, register with Odyssey, and enter the details as requested. Even when you do not have the case number, entering your name and the dates the case was filed or heard will give you the results you need, including the case number.

You can simplify the process of finding your case, especially if you plan to visit the courthouse, by knowing the court your case belongs to. New Mexico has four levels of court. They include:

• Supreme Court: Also known as the Court of Last Resort. It reviews cases heard in the lower courts, mostly the Court of Appeal.
• Court of Appeals: Presides over cases appealed from the lower court (District Court).
• District Courts: These are trial courts with general jurisdiction that listen to civil cases with no monetary limits.
• Magistrate Courts: These are also trial courts but with limited jurisdiction. They have a small claims section that listens to claims of up to $10,000. Other courts within these categories are the Municipal Courts, Problem-Solving Courts, Probate Courts, Bernalillo County Metropolitan Court, and Workers' Compensation Administration.

Your case is likely in your county’s Magistrate Court under the small claims division of less than $10,000. If you owe the creditor more than $10,000, you will likely find your case in your county’s District Court.

How to get debt relief in New Mexico

Debt relief programs have helped numerous New Mexicans manage their debt. Charitable organizations have also given indirect assistance by providing free or subsidized necessities like food, shelter, and healthcare.

Unfortunately, statistics still indicate that New Mexico is considered among the top states in the U.S. where residents spend more than they earn. In a recent analysis, it had a 119% spending rate. This means that every New Mexican owes $1.19 for every dollar earned, giving residents a valid reason to consider debt relief.

As you look for a debt relief program, the first step is to check if all your debts are still within the statute of limitation. If your debt has expired, the debt collector cannot sue you for debt, but they can continue their attempts to collect. For instance, credit card debt, auto loans, and medical loans expire after six years, while state taxes take ten years to expire. Let’s look at some examples of how to find debt relief in Mexico:

• Debt settlement: This method requires you to approach the creditor with a debt settlement offer. The offer you make should be less than the original amount, but you must be willing to pay a lump sum. You can approach the creditor directly through SoloSettle or hire a settlement company to negotiate on your behalf.


• Debt consolidation: This option entails taking a loan to pay off multiple debts and remaining with a single debt to pay. The relief comes when you can get a debt consolidation loan with a better interest rate, saving you money in the long run. You must have an above-average credit score to get a loan. If you fail to get one, you can ask a loved one with a good credit score to become your cosigner.


• Filing for bankruptcy: This should be the last option. Even though bankruptcy will get rid of most debts, the entry will remain on your credit report for ten years. You can apply for a Chapter 7 or 13 bankruptcy. It is not automatic to be granted the request as you need to convince the court that you have no means of staying afloat if you continue paying the debts.

As you consider which debt relief program to work with, do thorough research to ensure you are not scammed. Scammers often ask for upfront fees, refuse to provide a written contract, pressure you to sign documents before you read through them, and may make unrealistic promises and guarantees.

Stop wage garnishment in New Mexico

New Mexico allows creditors to take a percentage of your income if you fail to keep up with your debt payment. The debt collector receives this permission after filing a lawsuit, winning the case, applying for a Writ of Garnishment, and receiving a garnishment order. To keep the creditor from receiving a garnishment order, you must respond to the lawsuit with an Answer before the 30-day deadline. The affirmative defenses you include may help you win the case or prevent the judge from issuing a garnishment order.

In New Mexico, creditors are permitted to garnish up to 25% of your disposable income, provided you earn 40 times the minimum hourly wage every week. The hourly rate for New Mexico is $11,50. Therefore, you must make more than $460 every week for your wages to qualify for garnishment. The following are the various ways you can stop wage garnishment in New Mexico:

• Settle the debt: Debt collectors may be willing to access a good settlement deal to avoid the time-consuming work of garnishing your wages every month. Consider making a 50–80% settlement offer and ensure you have the money available to make a lump sum payment.


• Request for exemption: Certain earnings, such as Social Security benefits, public assistance benefits and veterans benefits, are exempt from garnishment. If you believe the creditor will touch on this income, you can file for exemption. You may also make a case that your income has other garnishment orders like child support in place, and you will remain with pennies to cater to your necessities if the garnishment order continues.


• File for bankruptcy: If the exemption application doesn't go through, consider filing for Chapter 7 or 13 bankruptcy. This process will stop most debt collection garnishment orders and lawsuits. However, you may fail to access a new line of credit for seven to ten years or face exceedingly high interest rates if you do need to utilize credit.

New Mexico has organizations, such as New Mexico Temporary Assistance for Needy Families (TANF) and Low Income Home Energy Assistance Program (LIHEAP), that provide necessities if you are struggling to make ends meet with a garnishment order in place. Reach out to these services before settling for bankruptcy.

New Mexico debt collection laws protect consumers

Consumers in New Mexico are protected from unfair business practices by debt collectors using the New Mexico Fair Debt Collection Practices Act (NMFDCPA) and the Fair Debt Collection Practices Act (FDCPA). The NMFDCPA offers state-level protection from unscrupulous debt collectors who take advantage of their resources to harass consumers. These guidelines reflect what is already in the FDCPA with slight variations. The state laws prohibit debt collectors from:

• Pretending to be a government official or a lawyer
• Threatening to take legal action against you if you do not make payments
• Scaring you with arrest if you do not pay immediately
• Falsifying their identity or the debt in question

Suppose a debt collector in New Mexico is found guilty of unfair business practices. In that case, they may be ordered to pay you the actual damages incurred as a result of the violation and additional charges not exceeding $1,000.

The FDCPA protects you at a national level from deceptive and inappropriate debt collection practices. It prohibits the debt collector from:

• Calling your colleagues, family members, and friends about your debt
• Phoning you late at night and extremely early in the morning
• Using threatening, profane, or obscene language as they attempt to collect
• Failing to respond to a valid Debt Validation Letter you send
• Continuing to contact you after sending a Cease and Desist letter
• Making a wrong entry on your credit report

New Mexico debt collection laws also permit you to dispute, challenge, and contest any debt collection efforts. If you believe the debt is not yours or the amount is inaccurate, you can send a dispute letter to the creditor. Credit bureaus also investigate dispute letters consumers send complaining about an inaccurate debt on their credit report. Once the credit bureaus confirm your allegations, they will correct the error or remove the debt from your credit report.

The statute of limitation is also another law that prevents consumers from being sued for a debt that has expired. In New Mexico, a debt collector cannot take you to court for a credit card, medical, auto, student, mortgage, or personal loan after six years have elapsed. If you believe your debt has passed the statute of limitation, add it as an affirmative defense in your Answer document, and the case will likely be dismissed.

New Mexico legal aid organizations can help you

Every state has at least one government-funded organization that provides free legal services to people who cannot otherwise afford assistance. For New Mexico you can reach out to the following:

• New Mexico Legal Aid
• New Mexico Courts Pro Bono
• Native American Disability Law Services
• New Mexico Center on Law and Poverty

New Mexico Court Locations

Not sure where to appear for your court date? Check out this directory of New Mexico Court Locations to find your local courthouse and clerk's information.

Key Takeaways

So, in short, here's the review on how to answer a summons for debt collection in New Mexico.

• Remember that the Deadline for New Mexico is 30 days
• Use SoloSuit's Answer form, follow New Mexico's online form for Magistrate Court, or draft your own Answer.

Complete the following three steps:

1. Answer each issue in the complaint, paragraph by paragraph.
2. Assert your any and all of your affirmative defenses.
3. File and serve the Answer on the Court and the Plaintiff's attorney.

Remember to check the New Mexico statute of limitations on debt, which ranges from four to six years, depending on the type of debt involved.

Good Luck!

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

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
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• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
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• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
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• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
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• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
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• Rash Curtis and Associates
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• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
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• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
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• Synerprise Consulting
• The Law Office of Michael J Scott
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• Troy Capital
• TRS Recovery Services
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• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
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• Unifin Debt Collector
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• US Bank Collections
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• Vance & Huffman LLC
• Van Ru Credit Corporation
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• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on 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.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

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.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

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.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act