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Edited by 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.

When you beat General Revenue Corporation ^^

Summary: Is General Revenue Corporation suing you for a debt? SoloSuit can help you take a stand and win in court.

Do you have a pending student loan? Has General Revenue Corporation contacted you yet? If not, expect a call from them soon if you do not make plans to pay your student loan debt.

General Revenue Corporation (GRC), a subsidiary of Navient Corporation, is a student loan servicing organization and debt collection agency headquartered in Mason, Ohio. GRC specializes in student loan debt collection, working with colleges and universities of all sizes.

GRC is committed to aggressively collecting their debt and may sometimes use illegal means to get you to pay, such as:

Talking to your relatives about your debt.
Threatening you with arrest.
Calling countless times a day.
Giving you misleading information about the debt.
Using abusive language.

If you are a victim of any of these practices, you're not alone. Here's everything you need to know about General Revenue Corporation, your rights, and how to beat the company.

GRC has received many complaints

GRC has been in business for over 40 years and is Better Business Bureau (BBB) accredited with over 78 complaints submitted to its profile.

Let's take a look at a real complaint from the complaints board:

GRC contacted Laura about her daughter's debt. The agent told her he was not supposed to call her but still needed to find her daughter. She demanded to know why he was calling her and that he violated her daughter's privacy rights. The GRC agent continued to say that he would call her entire family and friends until he reached her daughter to collect the debt.

If you experience such mistreatment, report GRC to the Fair Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB), where legal action will be taken against them.

GRC may also add the debt to your credit report, harming your credit score. Let us look at how you can remove GRC debt from your credit report.

Request a debt validation

If GRC contacts you, they most likely have entered the debt on your credit report. The Fair Debt Collection Practises Act requires debt collectors to send more information about the debt they are collecting. Request GRC to verify the debt by sending a Debt Validation Letter. The validation notice they send back should include the following:

The entire amount you owe.
Full details of the creditor.
A statement showing that the debt will be assumed valid by GRC unless you dispute it within 30 days of GRC contacting you.
A statement that GRC will further verify the debt if you write to dispute or request for more information about the debt.

You can also request them to attach the last billing statement to confirm the age of the debt and whether it has passed the statute of limitations. Watch this video for more information about sending a Debt Validation Letter.

Dispute the debt with the credit bureaus

Once you receive the validation notice, request your credit report from Experian, TransUnion and Equifax. Compare and note down any discrepancies. If you find conflicting information or an incorrect amount, dispute the debt with the credit bureaus. The table below gives you the credit bureaus' contact information.

Credit Bureau Contact Information
Bureau	Contact Information
Equifax	Equifax Information Services P.O. Box 740256 Atlanta, GA 30374-0256 Phone: (888) 298-0045 Website
Experian	Experian P.O. Box 4500 Allen, TX 75013 Phone: (888) 397-3742 Website
TransUnion	TransUnion LLC P.O. Box 2000 Chester, PA 19016-2000 Phone: (800) 916-8800 Website

Sometimes the debt information may be accurate, but the entire debt may not be yours, or you had already paid it. Gather all evidence showing this information and send it to GRC and the credit bureaus. They will investigate and either remove or correct the debt.

Request for goodwill deletion

In some situations, you may have paid the debt on the credit report, but GRC changed the status from unpaid to paid. As much as this is a better entry, it still impacts your chances of getting a new line of credit because lending institutions will see it. You can politely request GRC to remove the debt from your report, giving the valid reasons why you had defaulted and how you finally cleared the debt.

Enter a pay-for-delete agreement

If you have confirmed with a Debt Validation Letter that the debt is yours, you can enter an agreement with GRC that they delete the entire debt from your credit report once you pay part or the entire debt. You can also negotiate for a lower debt payment because GRC may have gotten the debt for pennies on a dollar.

What if GRC is suing me?

If General Revenue Corporation is suing you, don't panic. SoloSuit can help you represent yourself and beat GRC in court. Here's how.

The first step to beating GRC in court is to respond to the lawsuit. When you're sued for a debt, you should receive court documents notifying you of the suit. These documents are called the Summons and Complaint (also known as Petition in some states). The Summons notifies you of the case information, while the Complaint lists the specific claims being made against you. You should respond to the Summons and Complaint as soon as you receive it by filing a written Answer with the court.

Here are six tips to follow when drafting your Answer:

The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing GRC to do more work to prove their side of the case.
Include affirmative defenses. These are any legal reasons that GRC should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
Include a certificate of service. It's important to serve your Answer to GRC. At the end of your Answer document, include a certificate of service when you verify the address you used to serve GRC the Answer.
Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

Learn more about these six tips in this video:

SoloSuit can help you send the required documents when you receive a lawsuit from GRC. The first document you need to send is an Answer. If you fail to send it within 14–30 days, GRC may receive a default judgment. After sending the Answer, you can use our other documents to request that GRC settle the debt out of court.

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.

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

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