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How to Resolve Debt with Hosto Buchan

George Simons | January 30, 2025

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: Are you being sued by Hosto Buchan for an old debt? Learn why they're suing you and how to address your case with the right defense.

When a debtor defaults on a debt payment, the original creditor may attempt to collect it using various methods. If they don't receive a response, the creditor can submit the claim to a debt collector. The debt collector becomes the new owner and has the same rights as the original creditor to pursue debt collection.

If the third-party collector still can't collect the debt, it is forwarded to a debt collection firm like the Hosto Buchan law firm. The debtor is alerted to this arrangement via a letter that demands payment and notifies them that the creditor has engaged the law firm to collect the debt. Debtors have 30 days to dispute the debt. If Hosto Buchan is suing you, keep reading for information on how you can address the matter in court.

Settle debt with Hosto Buchan

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

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What is Hosto Buchan?

Hosto Buchan is a debt collection law firm that files collection lawsuits against consumers. The company has represented creditors for more than 20 years. Its main office is in Little Rock, AR, and satellite offices in Tennessee, Arkansas, Kentucky, and Indiana. The firm focuses on commercial and retail debt collections in these states.

Here’s the Hosto Buchan phone number and other contact information:

  • Phone: 888-352-3980
  • Address: 701 W 7th St, Little Rock, AR 72201

Who does Hosto Buchan Collect for?

Hosto Buchan represents a variety of industries and creditors in their debt recovery efforts. These may include:

  • Banks and Financial Institutions
  • Healthcare Providers
  • Utility Companies
  • Retail Businesses
  • Telecommunication Companies
  • Commercial Enterprises

If Hosto Buchan contacts you, you need to find out who they represent and confirm the debt details before proceeding. Ignoring their attempts because you haven't dealt with them directly will not help your debt situation.

Read Hosto Buchan reviews online.

When researching Hosto Buchan online, you’ll likely come across various reviews reflecting people's experiences with the firm. Since debt collection is often a sensitive and stressful process, it’s common for feedback to range from positive to negative.

Consider checking multiple platforms for a well-rounded perspective if you plan to look at reviews. Here are a few places where you can find reviews:

While reviews can be helpful, your experience may be different. Keeping communication respectful and proactive can make the process smoother. Here’s what Bella Rosa had to say:

“I finally paid off a debt with them. This was my first time with collections. I was really scared when an officer handed me court papers to go to court. I went. Hosto formed a payment plan with me that I was able to afford on a monthly basis. Whenever I had a question or needed help, they were always nice and helpful.”

Take action after you are served to avoid a default judgment

Once you have been served with a notice of involvement, you have two options: communicate directly with the Hosto Buchan lawyers or hire a lawyer. Many debtors prefer to enlist a debt settlement attorney's help as they are well-versed in these matters. If this is the case, the debt collection law firm will receive a notice of involvement explaining that the lawyer is acting on behalf of the debtor.

If Hosto Buchan lawyers communicate with debtors after this, the communication is deemed inappropriate. Before filing a lawsuit, the debt settlement attorney will meet with the debt collection firm to discuss a settlement. If unsuccessful, the firm will move to file a lawsuit.

The debtor has a limited time to respond to the legal complaint. If the debtor doesn't respond promptly, Hosto Buchan can seek a default judgment against the debtor that allows the creditor to garnish their wages, apply lien to properties, or various other methods to collect the debt. The debtor or their lawyer can respond in either of these two ways:

  1. Raise applicable defenses
  2. File a motion

Don't ignore a debt collection lawsuit. File a response with SoloSuit.

Raise applicable defenses to win your case

When responding to a debt collection lawsuit, presenting the right legal defenses can significantly impact the outcome of your case. These defenses allow you to challenge the validity of the claims brought against you. The following are examples you can use:

Bring up the statute of limitations

Debts can take a long time to be transferred from the original creditor to the Hosto Buchan debt collection firm. If the debt goes uncollected for a period of time that exceeds the statute of limitations, the debtor may get the case dismissed. It is important to note that this time period resets if you undertake a specific action, including paying the debt or asking for more time to do so.

Countersue

When debtors are sued, they have a right to present legal claims against the debt collection law firm if it has not complied with standard debt collection practices. The Fair Debt Collection Practices Act (FDCPA) outlines the guidelines for collecting a debt. If a firm violates the FDCPA provisions, it is liable for the debtor's attorney's fees, statutory damages, court costs, and other damages.

Request Proof That You Own the Debt

The plaintiff, Hosto Buchan law firm, must prove the case by presenting evidence. However, if you admit to essential allegations in their complaint, they will not have to do so. Sometimes, the debt collection law firm may not have the necessary documents to prove you owe the debt. This information can be lost when transferring debt to third parties. If the debt collection firm can't provide the correct documents as crucial evidence, you can file a motion for dismissal.

Challenge Hosto Buchan's Right to Sue You

The debt settlement lawyer can also contest the creditor's standing in the lawsuit. This may be the case if the debt has changed hands many times, and the original creditor is hardly the plaintiff suing you. Challenging the creditor's right to sue allows the debtor to take an offensive position that requires the creditor to prove their right to collect.

For example, Hosto Buchan's lawyers should provide evidence that proves the debt was transferred to the firm. If they can't, the debt settlement lawyer can challenge the standing successfully.

Make the right affirmative defenses with SoloSuit.

Consider filing for bankruptcy

Once a debtor files for bankruptcy, the court issues an automatic stay prohibiting creditors and debt collection law firms from continuing or initiating debt-collection lawsuits. This means Hosto Buchan cannot proceed with the case while the stay is in effect unless they receive permission from the bankruptcy court.

Notify the court of improper service

This defense applies if the debtor or debtor's lawyer:

  • Never received the Summons and the Complaint
  • Received them but was served incorrectly

Some state laws outline how a debtor should be served. New York law, for example, requires the plaintiff to undertake personal service or substitute service. Substitute service requires the process server to leave a copy of the Summons at home with a relative, roommate, or another responsible party. Personal service, on the other hand, occurs when the process server delivers the Summons in person to the debtor.

If the process server is unsuccessful at least three times, they can use conspicuous service like attaching the letter to your door and mailing another copy to your address. If Hosto Buchan's process server doesn't follow either of these procedures, the debtor's lawyer can challenge the case based on improper service. Other examples that are deemed incorrect service include:

  • Sending the Summons by mail only
  • Leaving the Summons with a neighbor living in a different apartment
  • Throwing the Summons in the lobby of an apartment building
  • Sending the Summons to a different address, including your previous residence

Respond to a debt collection lawsuit.

The case may be dismissed if you can prove the server's improper service. However, you need to raise this defense during your first appearance in court or Answer:

  • Obtain an affidavit of service from the court. The document is a sworn statement describing the improper service. The debt collection law firm uses this document to claim you were served correctly.
  • Schedule and attend a traverse hearing. During the hearing, the judge listens to both sides to determine if you were served correctly. If the judge rules in your favor, the case will be dismissed.
  • Gather evidence to present at the traverse hearing. The evidence should include documents or witnesses to support your claim of incorrect service.

Even if the judge dismisses the case for improper service, Hosto Buchan's debt collection law firm can sue again. As such, a debtor should decide if it's worth scheduling a traverse hearing based on the facts of your case and the strength of your defenses.

You can use one or more defenses to argue your case against Hosto Buchan's debt collection lawyers. If possible, enlisting the help of a debt settlement lawyer will help to strengthen your case. We understand that doing so is not always feasible, so we encourage you to take advantage of our services.

Settle your debt with Hosto Buchan

Knowing the settlement process ensures everything is handled correctly and minimizes any potential risks. Here’s how to start:

  1. Start by reviewing your finances to figure out what you can reasonably pay toward the debt.
  2. Contact Hosto Buchan to propose a settlement amount that you can afford. It’s smart to offer slightly less than your maximum to leave room for negotiation. This allows for flexibility if the first offer is not accepted.
  3. Once you agree on a settlement amount, draft a debt settlement agreement. This document should clearly outline the terms and be signed by you and Hosto Buchan to formalize the arrangement.
  4. After the agreement is in place, ensure you pay the agreed amount on time.

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To learn more about how to settle your debt with Hosto Buchan, check out the following video:

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