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How to Settle Debt With CVCS Debt Collection

George Simons | February 01, 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: Is CVCS Debt Collection contacting you over an old debt? Learn how to respond to debt collectors like CVCS Debt Collection and engage with them to effectively and efficiently resolve your debt issue.

Has CVCS Debt Collection been contacting you to pay a debt? This is probably an upsetting time. Do not fret. You have legal rights and options to resolve your debt issue. For example, you could communicate with CVCS Debt Collection to negotiate a debt settlement where you wind up paying a lower amount than what is owed.

Settle debt with CVCS Debt Collection

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

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What is CVCS Debt Collection?

CVCS Debt Collection is a legitimate debt collection agency. They typically purchase debt from various creditors that have opted to give up on trying to collect the amount themselves (oftentimes referred to as a "charge-off").

Who does CVCS Debt Collection collect for?

CVCS Debt Collection purchases charged-off debts from an array of companies, such as financial institutions, auto loan companies, utilities, and so forth.

Know your rights when contacted by CVCS Debt Collection

You have legal rights under the Fair Debt Collection Practices Act. This federal 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.

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Tips on negotiating a debt settlement with CVCS Debt Collection

If you’d like to avoid going through the stress and frustration often associated with debt collection litigation, then it may make sense to consider engaging in debt settlement negotiations with CVCS Debt Collection. Here are some steps you should consider taking to try and settle your debt:

The first step to take is calculating how much you can afford to pay in a lump sum toward the balance of the debt. This calculation should take into consideration your living expenses (e.g., rent, food, utilities, etc.). If you lack the funds to make a lump sum payment, try to calculate what you could pay via monthly installments.

Once you’ve determined how much you can repay, reach out to CVCS Debt Collection to kick off settlement negotiations. It is recommended you start the negotiations by offering a lower percentage of the total amount owed, somewhere between 30% and 50% of the original amount. Be prepared to go back and forth with the debt collector and to negotiate upward.

If settlement negotiations go well and you reach an amicable resolution, make sure to get the terms memorialized in a written agreement known as a debt settlement agreement. This agreement should state that the payment will settle the debt in full.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the credit card debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

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To learn more about these steps, watch our video guide below:

Respond 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 need to respond effectively to the debt collection suit and consider using 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 the debt collector if you can prove they violated federal law when they contacted you. If you are smart and aggressive, you can walk away without owing a 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.

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