Start My Answer

Settle Debt With Helvey and Associates With These 3 Steps

George Simons | December 19, 2024

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: Ignoring Helvey and Associates' calls will not make them stop trying to contact you. But there are a few tips to get them off your back, such as sending a Debt Validation Letter to prevent a lawsuit and responding to a lawsuit with a legal Answer. You can also proactively contact Helvey and Associates to try and negotiate a debt settlement. No matter where you’re at in the debt collection process, Solo can help.

If you are being contacted by Helvey and Associates, then you may be feeling frustrated and overwhelmed. Do not fret. There are ways you can resolve the debt collection matter so you can move forward with your life without the stress of receiving calls and letters from a debt collector.

So how can Solo help you? Well, we help consumers who cannot afford to hire an attorney to create legal documents, empowering them to represent themselves in court. We can also help you avoid going to court altogether by preventing a lawsuit before it happens or negotiating debt settlement outside of the court setting.

This article will explain how to settle debt with Helvey and Associates if you’ve been sued. First, let’s explore what Helvey and Associates is and what your fellow consumers think about its services.

Settle debt with Helvey and Associates

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

Settle with SoloSettle

What is Helvey and Associates?

Helvey and Associates is a third-party debt collection agency based in Warsaw, Indiana, with multiple offices located across the United States. In business for more than 60 years, Helvey & Associates uses dunning letters, skip tracing services, and credit bureau reporting to get consumers, like you, to pay off debts.

Helvey & Associates’ contact information is as follows:

Who does Helvey and Associates collect for?

Helvey and Associates has been operational in the debt collection industry for nearly seven decades. Helvey and Associates collects for utility companies, healthcare companies, and companies in various other industries.

Negotiate a debt settlement with Helvey and Associates

If you owe the debt and want to avoid going through the contentious and stressful litigation process associated with a debt collection lawsuit, then you can try negotiating a debt settlement. Helvey and Associates may agree to settle for a lesser amount than nothing at all. They may also agree not to report your account to credit bureaus once you pay the settlement amount.

If you were served with a Summons and Complaint regarding a debt collection lawsuit, then now is the time to act and not bury your head in the sand hoping the debt will magically disappear. If you take just a few proactive steps, you could potentially get Helvey and Associates off your back and get them to accept a significantly lower amount through negotiated settlement.

The debt settlement process can be as simple as follow these three steps:

  1. Respond to the pending debt collection lawsuit.
  2. Determine how much you can reasonably afford to pay based on the amount owed, then send a settlement offer to Helvey and Associates.
  3. If you can reach an agreement, get the debt settlement terms in writing.

To learn more about how to settle debt and debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process. Keep in mind that many debt collection agencies are willing to settle for less than the original amount, because often they purchase the debt for pennies on the dollar. This means you can pay less than you actually owe, and most debt collectors will still make a profit.

Remember to keep copies of all agreements you reach with Helvey and Associates and honor your part of the agreement.

Read Helvey and Associates reviews online

If you are curious to learn what consumers have said about their experience negotiating with Helvey and Associates on a debt collection matter, then take a moment to read these Helvey and Associates reviews:

As you can see, Helvey and Associates reviews are fairly mixed, but it’s clear that open communication is the most effective way to resolve a debt. Let’s look at a real example of this:

When Jeff discovered a $134 debt from Duke Energy on his credit report, he was baffled. Living in Michigan, he’d never even heard of the company. Realizing it might be identity theft, he reluctantly called Helvey & Associates, despite having low expectations after reading online reviews.

To his relief, Jeff connected with Jessica, who was “very nice and understanding.” She explained his options: pay the debt, dispute it, or file a police report for identity theft. Wanting the issue resolved quickly, Jeff chose to pay the balance. Jessica assured him that the collection would be removed from his credit report within 60 days, and that all calls were recorded to back her promise.

“I was skeptical,” Jeff admitted, “but I wanted it paid because it looks better on my credit report as paid, regardless of the circumstances.” True to Jessica’s word, by February, the collection was removed from all three credit reports.

Settle with SoloSettle

Make an Offer

The FDCPA gives you rights that protect you

When communicating with a Helvey and Associates debt collector, you have rights. It’s important to learn about these rights so you can be ready to protect yourself.

Under the FDCPA, debt collectors cannot:

  • Call you late in the night or early in the morning.
  • Harass you.
  • Degrade you by calling you names.
  • Shame you by discussing your debt with unauthorized third parties.
  • Call you at work if you tell them not to.
  • Keep calling you after you ask them to stop.
  • Impersonate government officials or agencies.
  • Demand that you pay more than you owe.
  • Threaten to take legal action if they do not plan to follow through.

If a Helvey and Associates collector knows that you are aware of your rights, they will have no choice but to stick to the rules. File your complaint with the CFPB or the FTC if any debt collector fails to comply.

Below is an example of how you can negotiate with Helvey and Associates to resolve your debt.

Example: Karl owed $6,000 in medical debt, and he ignored the bills. After about 8 months, he received a phone call from Helvey and Associates. The hospital hired the collections agency to contact him and get him to pay off the debt. Karl didn’t have the funds to pay the debt, and he wasn’t sure what to do about it, so he used SoloSettle to send a settlement offer to the collectors. He offered to pay off 60% of the debt over the next 2 years. Helvey and Associates said they couldn’t accept less than 75%, but that they could split the payment up over three years. Karl agreed, and he was able to save significantly by settling the debt.


When Helvey and Associates contacts you, knowing your rights can help.. A great way to prevent a lawsuit with debt collectors is sending a Debt Validation Letter. Keep reading to learn more.

Send a Debt Validation Letter to Helvey and Associates

Suppose you allow Helvey and Associates to bully you into paying alleged debts without proper validation. In that case, you could ruin your credit by reviving accounts past the statute of limitations. You might also open yourself up to debt collection lawsuits or pay more than you owe.

The law requires that Helvey and Associates validate every debt they contact you about. However, most consumers who don't know this take debt collectors at their word and fall deeper into the traps.

It's critical to remember that accounts that have gone into collections are prone to errors. The only way to determine if H&A have their records right is by sending a Debt Validation Letter. Check out this video to learn how a Debt Validation Letter can help you:

The letter requires that H&A provide documentation supporting every account entry. They will have to stop contacting you if they cannot prove their claims with proper documentation.

Use certified USPS mail so you can track your letter.

Even though the Debt Validation Letter will not delete valid debts, it lets you get your life back. The calls will stop, at least for some time. You will prove that the debt is not only yours but is also accurate. And you can also prevent a lawsuit.

Create your Debt Validation Letter now.

If the collector does validate your debt and ends up filing a debt lawsuit,, it is not too late to beat Helvey and Associates in court.

What should I do if Helvey and Associates is suing me?

Helvey and Associates collect for several credit providers, including the healthcare industry. If you have a debt resulting from medical bills, you typically have more time before the account reaches your credit report.

If you see such debt on your report, H&A has likely bought the account. Most healthcare providers rarely report to the credit bureaus.

Whatever the type of debt, if Helvey and Associates buy it, they may decide to sue you to recover their money (and profit).

If you have received a Summons and Complaint for debt collection, respond to the lawsuit. Do not let Helvey and Associates win because you failed to file an Answer. It takes just three steps, which we’ve explained below. Don’t like reading? Watch this video instead:

1. Respond to every claim

The Complaint document that accompanies the Summons lists the plaintiff's claims. Read every accusation carefully and respond to each of them independently. You can:

  • Admit if you accept the claim.
  • Deny if you want Helvey and Associates to prove you are guilty.
  • Deny due to lack of knowledge if you aren't sure or do not understand the claim.

Some lawyers recommend that you deny everything. This forces Helvey and Associates to prove that you are guilty. If they can’t, there’s a good chance the case will be dropped.

2. Next, assert your affirmative defenses

After you’re responded to each claim against you, include a section for your affirmative defenses. This is where you get to tell your side of the story. An affirmative defense is any legal reason that Helvey and Associates’ case is not valid.

You can use a long list of legal defenses according to the US Federal Rules of Civil Procedure, Rules 8(c). Many of these legal terms may be new to you, but SoloSuit can help you pick the right ones that apply to your case.

All you have to do is respond to a series of questions about your lawsuit, and SoloSuit will translate your answers into the proper legal wording and format.

Make the right defense the right way.

3. Finally, file your Answer with the court

Your Answer should reach the court before the filing deadline. Depending on where you live, you have between 14-35 days.

If you use SoloSuit, we can file for you. You should print the Answer document and make two copies if you plan to file yourself. File the original with the court. Send one copy to Helvey and Associates' attorney, and keep one for your records.

The advantage of using SoloSuit to file is that we will have an attorney review your Answer before filing to ensure it meets all legal requirements.

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

Settle with SoloSettle

Make an Offer

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

Contents