Dena Standley | March 06, 2023
Edited by Hannah Locklear
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: LTD Collections, also known LTD Financial Services, is a debt collection agency that collects on behalf of creditors throughout the US. If LTD Collections is suing you for a debt, you must respond with a written Answer by replying to each claim against you and asserting your affirmative defenses. SoloSuit can help you draft and file your Answer in all 50 states.
U.S. researchers estimate that 28% of Americans struggle with debt in collections. If you are one of those people, it might be comforting to know that you’re not the only person who has past-due debt. But it may still be unpleasant to have debts in collections even though it is fairly common, and a debt collector agency like LTD Collections can sue you.
If you are not familiar with what to expect when sued for a debt, it can be an unsettling experience. Despite the overwhelming feelings, ignoring the court Summons and Complaint is a mistake. Our article will help you discover how debt collection lawsuits work and the steps you can take if LTD Collections sues you.
LTD Collections, also known as LTD Financial Services, LP, is a debt collection agency established in 1993 and headquartered in Houston, Texas. As a nationally recognized, top-tier collection agency, LTD Financial Services provides collection services to leading creditors.
Services offered by LTD include:
Below is the contact information for LTD Collections:
3200 Wilcrest Drive,
Suite 600 Houston, Texas 77042
LTD Collections Phone: (800) 741.2100
Email: customercare@ltdfin.com
Website: ltdfin.com/index.php
There are various complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA).
As of 2022, the Consumer Financial Protection Bureau (CFPB) has more than 350 complaints against LTD collections over the last ten years. On top of that, the Better Bureau Business (BBB) has received 23 complaints against LTD in the last three years.
Here’s an example of a real complaint from LTD Collections’ BBB profile:
“This company, LTD Financial Services, repeatedly calls me and hangs up. I have asked for information about the supposed debt that they are collecting, which I do not believe exists, but they will not give me that information unless I give them an address so they can inundate me with mail, as well as personally identifiable information of mine such as my social security number. I will not -- under any circumstance -- be giving out my social security number over the phone to a company that will not even give me the courtesy of explaining what the reason for contact is. I have asked them to stop calling me, but they continue to do so, calling and then hanging up if I answer the phone.”
If you feel like LTD Collections has treated you unfairly, you should learn more about your rights as a consumer. You might have a really strong case against LTD if they’ve violated debt collection laws.
Yes. Federal law regulates third-party collectors' practices, so exercising your rights can help you regain control of your debt collection experience. Below are five ways the Fair Debt Collection Practices Act protects you:
LTD Collections legal notices and papers won't disappear if you ignore them. Contrary to what you may have seen on TV, refusing to accept the lawsuit's delivery or "service" will not stop things. Your absence will not affect the case's progress, and if you don't show up in court, the debt collector may win when the court orders a default judgment against you.
With a default judgment, LTD Collections can garnish your wages or bank account and put a lien on your property as payment for the debt. They can request additional awards from the court, like collection costs, interest, and attorneys' fees. The last thing you want is a default judgment. Below, we describe three steps you can take to respond to your lawsuit and avoid a default judgment.
Don’t like reading? You can watch this video instead:
Respond to the debt lawsuit, within your state’s deadline, with a written Answer.. In your Answer, respond to each claim listed in the Complaint document with "admit," "deny," or "deny due to lack of knowledge".
Keep in mind that most attorneys recommend denying as many claims as possible. This forces LTD Financial Services to prove each of their claims. If they don’t have enough evidence or documentation to do so, you might just win the case.
Below is an example.
Example: Vinny is being sued by LTD Collections in California. He uses SoloSuit to draft and file his Answer before California’s deadline, which is 30 days. In his Answer document, Vinny denies the majority of the claims that LTD Collections has made that were listed in the court Complaint document. This forced LTD Collection to prove each claim that he denied, and when they realized they didn’t have evidence of each claim, they decided to dismiss the case instead of continuing to pursue the debt.
Draft your Answer document in minutes online.
As the meat of the lawsuit defense, the affirmative defenses are the most important. They are legal reasons why you might not owe LTD Collections any money or why you should pay less than they demand. Common defenses include:
Let’s take a look at another example.
Example: When Vinny gets sued by LTD Collections in California, he feels confused because he doesn’t remember the debt. After doing some research, he learns that the debt came from an old credit card account that has been inactive for over four years. Since the statute of limitations on credit card debt is four years in California, LTD Collections has no legal standing. Vinny uses SoloSuit to respond to the lawsuit. In his Answer document, Vinny lists the expired statute of limitations as one of his affirmative defenses. This prompts LTD Collections to drop the case.
Before you file an Answer, you should consider any defenses you may have or other factors that will affect the outcome.
Make the right affirmative defense the right way with SoloSuit.
As mentioned above, you must file your Answer to the debt lawsuit before the deadline outlined by your state’s laws. Most courts accept filings through the mail, but some required electronic filing. If you prefer to file your Answer in person, you can print it out and take it to the county clerk's office in the relevant county.
SoloSuit can file your Answer for you in all 50 states. You can trust us to complete your Answer document and file it with the court, including free delivery to LTD Collections' attorney for you.
The process of finding an attorney is stressful and expensive. But SoloSuit empowers you to represent yourself in court by giving you the resources you need to do so confidently. You can beat debt collectors such as LTD Collections, and you don’t always need a lawyer in order to do it.
SoloSuit helps with the following:
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.
"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
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouses Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
How Many Times Can a Judgment be Renewed in Oklahoma?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court