Start My Answer

How to Beat CVCS Debt Collection

George Simons | December 12, 2023

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 CVCS Debt Collection threatening you over an old debt? Not sure how you're going to win the fight? Learn how to respond to debt collectors like CVCS Debt Collection and beat them in court.

Has CVCS Debt Collection been harassing you to pay a debt? This is probably an upsetting time. Unfortunately, CVCS Debt Collection and other companies like them use unethical means to get consumers to pay what they allegedly owe. So CVCS Debt Collection may call you at all hours of the day to encourage you to pay what you owe. They might harass you on the job and try to bother you on your social media channels. These companies rarely give up and can hound you for years. They get the most compensation when they get you to pay, so they will keep coming after you.

Multiple Consumer Complaints Filed Against CVCS Debt Collection

CVCS Debt Collection is an aggressive debt collection company. They are known for using unethical tactics to get people to pay debts. This agency is based in the United States. It has many complaints against it for alleged violations of the Fair Debt Collection Practices Act. Companies like CVCS Debt Collection will say and do just about anything to get you to cough up some money. But if you are aware of the rules they must follow, you're far ahead of the game.

Did you know that some CVCS Debt Collection agents will use illegal communication methods and may even try to collect on debts that are not yours? If CVCS contacts you, it's important to know your rights so you have a chance to beat them at their own game.

If you are on the receiving end of nasty phone calls and letters from CVCS Debt Collection, never despair! You always have the means to fight these companies. We recommend that you take advantage of some of the resources that we offer at SoloSuit.

Our mission is simple. We want to help people who are bothered by annoying debt collectors and have questionable debt collection lawsuits filed against them. Companies like CVCS want you to believe that you have to pay them and fighting them is hopeless. But it isn't. You have rights in the US when you owe debts. With some planning, you may be able to defeat these people and not pay them anything.

At SoloSuit, we take pride in helping people stand up for themselves and beat unethical debt collection companies.

Don't let aggressive debt collectors push you around. File a response with SoloSuit.

What To Know About Your Rights When Contacted by CVCS Debt Collection

CVCS Debt Collection will take advantage of you if you don't know your legal rights as described in the Fair Debt Collection Practices Act.

This complex law has many provisions that state what a debt collector can and cannot do to get money for debts. Some of the many rules they must follow are:

  • The debt collector is prohibited from contacting you at work.
  • The debt collector is not allowed to use vulgar or rude language when they communicate with you.
  • The debt collector cannot threaten you with a lawsuit.
  • A debt collector is prohibited from calling you at home before eight in the morning and after nine at night. If they communicate with you, it must be during business hours.

Make debt collectors leave you alone by responding with SoloSuit.

How You Can Protect Yourself If CVCS Debt Collection Files A Debt Collection Lawsuit

If CVCS Debt Collection sues you, it's good policy to respond as soon as possible. Please don't think you can ignore the lawsuit and it will go away. This means the debt collection company wins. But there are several things you can try to get the lawsuit thrown out as you write your Answer:

  • Never concede to a debt collection company that you owe the debt. They must prove that the debt is yours. Don't do their job for them.
  • File your Answer with the appropriate clerk of court within the right time frame as noted in the complaint - usually 20 or 30 days.
  • Mail your Answer copy to CVCS Debt Collection and be sure it has been stamped by the Clerk of Court.

Affirmative Defenses to Potentially Raise in Your Answer to the Debt Collection Lawsuit

You want to defeat CVCS Debt Collection and not pay anything? You need to respond effectively to the suit and use some affirmative defenses. Point out any weaknesses in their case. Remember that CVCS must prove you owe the money. So they have to prove a few things before they can legally claim the debt is yours.

  • The debt collection agency can sue you.
  • You are the person who owes the money.
  • You owe the amount that CVCS claims in the complaint.

If the debt collection firm doesn't satisfy these requirements, the lawsuit may be dismissed.

Depending on the case, you might claim the company failed to file the lawsuit after the statute of limitations expired. This is how long someone has to sue you. It can range between one and three years in many cases.

If the statute of limitations expired, you could file a motion to have the lawsuit dismissed with prejudice.

Also, you may even be able to get compensation and your legal fees paid by CVCS if you can prove they violated federal law when they contacted you. If you are smart and aggressive, you can walk away without owing and dime AND have the company pay your legal fees!

Make the right defense the right way with SoloSuit.

What to Do If You're Sued by CVCS Debt Collection

We have covered a lot of ground, but here's a quick summary of what you should do if CVCS Debt Collection sues you:

  • Write down when the company calls you and note if they use bad language or call you before eight am or after nine pm. They are only allowed to call you during normal business hours and they cannot use vulgar language.
  • File your Answer to the complaint within the proper time limits.
  • Raise affirmative defenses in your answer, such as the company violated federal law when they called or wrote to you. You also should insist CVCS Debt Collection prove that you owe the debt and that you are the one who owes it.

These are proven methods to beat CVCS Debt Collection. Remember to file a countersuit if they may have violated the FDCPA.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


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

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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

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.

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.

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.

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.

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.

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.

Get debt relief in your state

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 collection laws in all 50 states

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 state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

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 all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

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.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


It only takes 15 minutes.
And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather


Get Started

Contents