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How to Settle Debt With Hunter Warfield

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: To settle debt with Hunter Warfield, verify the debt, negotiate a settlement offer, and get terms in writing. Ensure they adhere to your rights under the FDCPA. Use Solo to negotiate online and settle for less.

Hunter Warfield Inc. is a debt collection company. An original creditor usually employs debt collectors to collect on an overdue debt. However, sometimes debt collectors are also debt buyers who have purchased your debt from an original creditor that you borrowed from.

If a debt lawsuit from Hunter Warfield has served you, or if you see it listed on your credit report, you need to ensure that the debt is yours. This means verifying the debt with the collection agency. Additionally, you need to take steps to see if the debt collector adheres to the consumer rights under the Fair Debt Collection Practices Act.

Here's everything you need to know about Hunter Warfield and how to resolve your debt.

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What is Hunter Warfield?

Hunter Warfield Inc., now known as Resident Interface by Hunter Warfield, is a third-party debt collector. This means that debt collectors who work for Hunter Warfield collect debts owed to others. If you've never heard of Hunter Warfield before, it's probably because they are collecting on behalf of another company or bank that you owe.

If you have questions about the debt, you can reach Hunter Warfield Inc. with the following contact information:

Who does Hunter Warfield collect for?

Hunter Warfield specializes in debt collection for businesses, particularly those in the property management and real estate sectors. Their primary clients are:

  • Apartment complexes owners
  • Landlords
  • Property management companies

When tenants fail to pay rent, break leases, or incur damages that result in financial losses for landlords, these businesses often turn to Hunter Warfield to recover the owed amounts. If you receive a notice or call from Hunter Warfield, it is essential to verify the debt they claim and ensure it is accurate before proceeding with payment.

Read Hunter Warfield reviews online

Before engaging with Hunter Warfield, many people opt to read reviews online to understand others' experiences with the company. These reviews are often a mixture of both positive and negative comments. Therefore, you must read with an open mind and be careful when making a conclusive judgment about them. Here are platforms to explore these reviews:

When researching reviews, be cautious of extreme opinions and focus on recurring themes that may give insight into how the company operates. For example, Traci had a positive experience with one of the agents. Here’s what she had to say:

“I found out in the midst of applying for a new apartment that my old complex had charged me additional funds that were in collections. I called Hunter Warfield and the rep was willing to negotiate with me. I was able to quickly get it resolved and within my budget so I could continue on with my business. I needed a letter for proof and Sean worked with me to get the letter I needed to provide showing that I had paid the debt. I had no issues, no yelling, no problems and I got this debt off my record. I really appreciate the service!!!!”

From Traci’s experience, it’s clear that Hunter Warfield debt collectors will work with you to find a debt resolution. However, if you ignore debt collectors, it will make matters worse and you may end up getting sued. You can avoid a debt lawsuit if you contact Hunter Warfield, explain your situation, explore your options, and work with the debt collector to settle your debt for less.

Use SoloSettle to negotiate with Hunter Warfield online.

You have options when Hunter Warfield contacts you about a debt

If you have received a Summons and Complaint in the mail or other correspondence from Hunter Warfield, it is important to be very careful. First, be sure to read the notice and confirm that you owe the money being claimed by Hunter Warfield.

When a debt collector contacts you, it may be scary. In some situations, you might think you need to go into more debt to pay that collector. Instead, you need to see if the notice needs to be paid or if you have reason not to pay it. For example, if the statute of limitations has passed on the debt, you may not be able to be sued for it.

After you are sure the bill belongs to you, you should send them a debt verification letter. This means they are required to verify that they own your debt and that it belongs to you. If they cannot send this, they must stop attempts at collection.

Send a debt validation letter

If you receive a collection notice from Hunter Warfield and the debt is not yours, you should mail a debt dispute letter or a debt verification letter. This means that they will need to prove the following:

  • That the debt belongs to you
  • That the debt is still active (still within your state's statute of limitations)
  • That they have been given authorization by the original creditor to collect on the debt

Taking these steps protects your rights and ensures transparency in the debt collection process.

This video breaks down the benefits of sending a debt validation letter and how to do it:

Respond to a debt lawsuit against Hunter Warfield.

One of the biggest mistakes you can make in a debt collection lawsuit is to ignore it. This will not make it go away. Instead, you need to respond by the date listed in the court Summons and Complaint. The deadline to respond to a deadline lawsuit is 14-35 days, depending on which state you live in. If you do not respond, the court will issue a default judgment. This can lead to wage garnishment, a frozen bank account, and even liens on your property.

When answering a debt collection lawsuit, you should:

  • Respond as soon as possible.
  • File a written Answer with the court.
  • Avoid admitting liability.
  • Ask the collection agency to prove you owe the debt.
  • Request a stamped copy of your Answer from the court.
  • Send a copy of the Answer to the debt collection agency.

Steps to respond to the lawsuit

When responding to a debt collection lawsuit, it’s crucial to act promptly and carefully to protect your rights. Below are the key steps to address the lawsuit:

1. Respond to each paragraph in the Complaint: Read the numbered paragraphs in the Complaint and respond to each one with one of the following:

  • Admit if you agree with the paragraph.
  • Deny if you want the plaintiff to prove the claims.
  • Deny for lack of knowledge if you lack enough information to confirm or deny the claim.

Many attorneys recommend denying most claims to let the plaintiff provide evidence.

2. Assert affirmative defenses: Include your legal defenses, known as affirmative defenses, in your Answer. Examples you can add include:

  • The debt is not yours.
  • The statute of limitations has expired.
  • The debt was paid or partially paid.
  • The contract was canceled.

Affirmative defenses must be included at this stage; failing to do so means you may not be permitted to bring them up later.

3. File the Answer with the court and plaintiff: Print two copies of your Answer and mail one copy to the court and the other to the plaintiff’s attorney. Ensure the Answer is sent to the correct addresses, as outlined in the Summons and Complaint.

Confirm Hunter Warfield has the right to sue you

Collection agencies often buy debt from creditors who have tried to collect a debt and given up. These debts are usually purchased for pennies on the dollar. They then try to collect the full amount from you. However, to do this legally, they are required to prove they have the right to collect the debt and sue you over it. This means they must show that you signed the original credit agreement and that the debt ownership has been transferred to them.

Remember, the burden of proof is on the plaintiff, aka Hunter Warfield. So, if the agency can't provide evidence that they have the right to sue you and the amount you owe, they'll have a tough time moving forward.

If you have a debt that is past the statute of limitations in your state, then you can not be sued for the debt. The period can vary from state to state, but generally, it is around four to six years. The date the statute of limitations begins for your debt begins on the last day you were active on the account. This means you must avoid paying anything on the debt until you know if it is still within the statute of limitations.

Address potential issues concerning your rights

If you believe there may have been an oversight or inconsistency in the debt collection process, you can explore options for addressing these concerns. In some cases, this may involve legal action to ensure compliance with the Fair Debt Collection Practices Act (FDCPA). With sufficient evidence, you might recover court costs, attorney's fees, or statutory damages. It’s important to consult with a legal professional to assess your options before you proceed.

Negotiate with Hunter Warfield to settle for less

Sometimes, you may want to negotiate a settlement with the debt collection agency. This is a good option if you have some money to pay off the debt and become debt-free. SoloSettle makes it easy to start the negotiation process. The following are the steps to take to settle a debt:

  1. Carefully examine your income, expenses, and savings to determine what amount you can realistically afford to offer as part of the settlement.
  2. Draft a letter that presents your offer to pay a portion of the debt to settle the account. Start with a lower amount to leave room for negotiation if your initial offer is rejected.
  3. If Hunter Warfield responds with a counteroffer, be ready to negotiate.
  4. Once you agree to the terms, ask for a written settlement agreement. This document should outline the payment amount and due date and confirm that the debt will be considered resolved once the payment is made. Both parties must also sign it.
  5. Follow through with the agreed payment using a secure method, such as a certified check or electronic transfer, to ensure proof of the transaction.

Settling with debt collectors like Hunter Warfield is a great option because they are usually willing to settle for less than the original amount. This means you can save substantial money and move on with your life when you settle.

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Make an Offer

If you settle, the collection account will be on your credit report for up to seven years. It will impact your credit score. It is important to read the terms and conditions of any debt settlement because you may need to pay more in the long run.

You must also ask the debt collector to delete it from your credit report. This would be in exchange for payment. You specifically need to request a “pay for delete letter.” Keep written records of everything that happens during the settlement, as well as any payments you make. It is also essential to never give a collection agency access to your bank accounts. SoloSettle can help you facilitate the payment while protecting your financial information.

To dispute the debt successfully, you should find a way to prove that you can not legally be sued for it. Negotiating a settlement should be your last resource.

To learn more about settling a debt, check out this video:

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