How to Beat Capital Accounts

Edited by Hannah Locklear

Was your last encounter with a Capital Accounts agent nasty? Did they speak rudely or threaten you in any way? Collection agencies sometimes feel superior because of their enormous size compared to the individual consumers they’re contacting.

That's why organizations such as the Fair Trade Commission and Consumer Financial Protection Bureau (CFPB) were formed to fight for your rights. This information should encourage you because you can report Capital Accounts to relevant authorities for their unethical business practice.

In addition, you can also take specific actions to beat Capital Accounts, such as sending a Debt Validation Letter, responding to the lawsuit, and making a settlement offer. This article will give you practical steps to beat Capital Accounts, no matter where you’re at inf the collection stage.

What is Capital Accounts, and how does it work?

Capital Accounts, LLC is a legitimate debt collection agency based in Franklin, Tennessee. It specializes in collections from consumers who have defaulted on making payments. Some of Capital Accounts’ services include monthly reporting, early-out letters, phone calls, skip tracing, credit reporting, and litigation.

Capital Accounts gives its clients monthly reports showing their progress in collecting the debt. To keep their clients happy, their agents aggressively follow up on debt to ensure they meet their target.

Capital Accounts’ contact information is as follows:

Mailing Address:
PO Box 680608
Franklin, TN 37068

Physical Address:
4107 Mallory Lane
Suite 302 Franklin, TN 37067

Email: service@usecapital.com

Phone number: (800) 282-3214

Complaints against Capital Accounts

Despite having an A+ rating on its BBB page, Capital Accounts is notorious for using questionable debt collection tactics to get people to pay off their debts.

As of 2022, Capital Accounts has received nearly 250 complaints on its BBB profile in the last three years. Even worse, the CFPB has reported more than 1,100 complaints against Capital Accounts over the last ten years.

These complaints list several violations of the FDCPA, including failure to validate a debt upon request, reporting fraudulent information to the credit reporting agencies, and calling dozens of times a day. Below is an example of a real complaint against Capital Accounts from the CFPB complaint database:

“After notification of a collection debt on my records, I sent debt Validation letters to Capital Accounts 3 times. I sent one through email and two certified mail. Each time Capital Accounts has failed to validate my debt. Instead, they sent a list of my medical records which I know is in direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.”

This complaint is one example of the many ways Capital Accounts frustrate consumers. It is possible to beat them even in the above situation.

If Capital Accounts is contacting you about a debt that you don’t recognize, try sending a Debt Validation Letter..

A Debt Validation Letter forces the debt collection agency to verify details about the account and prove that the account belongs to you. It can also help you win your case or receive damages because they continued their attempts to collect without verifying the debt belongs to you. Watch the following video to learn how to draft a Debt Validation Letter.

Exercise your rights when Capital Accounts contacts you

If debt collection agencies had their way, they would cause endless misery to consumers. Hence, the Fair Debt Collection Practices Act (FDCPA) was enacted to prevent them from taking advantage of helpless consumers. The guidelines state that Capital Accounts should not:

• Collect a debt that you do not owe
• Ask for more money after paying the reduced settlement deal
• Add a paid-off debt to your credit report
• Contact your loved ones to ask about your debt
• Call you numerous times a day
• Threaten you with arrest or confiscation of essential documents

Report these and other bad business practices you experience while dealing with Capital Accounts agents. Examples of organizations to submit a complaint include FTC, CFPB, and BBB. These institutions follow up on the collection agencies to ensure they respond to your complaint.

Steps to respond to Capital Accounts lawsuit

In addition to persistently contacting you and entering the debt on your credit report, Capital Accounts can also take you to court. If you have received a lawsuit letter from them, do not despair, you still have a chance of beating them.

In order to beat Capital Accounts in court, you must respond to the court Summons and Complaint within your state’s deadline. Failure to respond in time will most likely lead to a default judgment against you.

With a default judgment, Capital Accounts can garnish your wages, freeze your bank account, and even put liens on your property. Avoid default judgment by respond to the Summons and Complaint with a written Answer.

Take the following three steps to respond to a lawsuit against Capital Accounts and increase your chances of winning.

1. Answer each claim listed in the Complaint

The Complaint is a document in the lawsuit that lists Capital Accounts' allegations against you. You must respond to each claim in corresponding order, using one of these three replies:

• Admit: You agree with Capital Accounts’ allegation against you
• Deny: You do not agree to the claim, and you want Capital Accounts to prove the allegations are true
• Deny due to lack of knowledge: You cannot answer because you do not have all the information.

It is in your best interest if you do not admit to all the claims. Agreeing to all the allegations means the court may decide in favor of Capital Accounts. In fact, most attorneys recommend denying as many claims as possible, forcing Capital Accounts to prove each one. If they can’t, there is a good chance the case will be tossed out.

Respond to Capital Account’s claims in minutes online.

2. Assert your affirmative defenses

Affirmative defenses are the reasons you'll give for not accepting responsibility for the debt. These responses determine the weight of your case and if the judge will rule in your favor. Some affirmative defenses you can use are:

• The debt in question was paid off or canceled
• The account details are incorrect
• The debt has expired
• Capital Accounts lack legal standing to collect the debt from you
• Capital Accounts violated your consumer rights

SoloSuit can help you fill out your affirmative defenses to increase your chances of winning the case. The steps are simple to follow, and you'll have your document ready in fifteen minutes.

Make the right defense the right way.

3. File the Answer in court, and send a copy to Capital Accounts

After confirming the deadline for filing in your state, make three copies of the Answer and file one copy with the court. Send the other copy to Capital Accounts lawyers and keep the last one in your records.

Here’s an example of how to beat Capital Accounts in court.

SoloSuit can file your Answer for you in all 50 states.

Check out this video to learn more about these three steps:

Negotiate debt settlement with Capital Accounts

You do not have to go to court even after Capital Accounts sue you—request for debt settlement outside the court. SoloSuit’s SoloSettle tool helps you negotiate and reach a debt settlement with collectors like Capital Accounts.

And if you’re being sued for a credit card debt with an arbitration clause, you can force the lawsuit out of court by filing a Motion to Compel Arbitration into the case. This forces your case outside of court, taking the stress off going to battle in court off your shoulders.

SoloSuit can help you draft these documents, customized to your case’s circumstance, in minutes.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>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.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
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• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
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• Illinois
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• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
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• Washington
• West Virginia
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Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

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