Start My Answer

How to Settle Debt With Paragon Contracting Services

George Simons | January 31, 2025

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: Paragon Contracting Services, LLC (PCS) is a debt buyer and collection agency.. Solo can help you respond to Paragon's collection attempts and engage with them to reach a resolution to your debt issue.

Being contacted about medical debt can be frustrating and anxiety-inducing. Medical bills can consume your entire savings, just so you can receive the care you need to recover.

This article will help you strategize how to engage with Paragon Contracting Services at whatever stage of the collection process. To begin with, let's learn who they are and what consumers have to say about them.

Settle debt with Paragon Contracting Services

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

Settle with SoloSettle

What is Paragon Contracting Services?

Paragon Contracting Services, LLC, is a debt collection agency focused on collecting medical debt from healthcare facilities in Florida.

Their contact information is as follows:

Who does Paragon Contracting Services collect for?

Paragon Contracting Services collects for hospitals and private clinical practices specializing in family medicine, general surgery, critical care, and sports medicine.

Read Paragon Contracting Services reviews online

Learning about what other people have said regarding their debt collection experience with Paragon Contracting Services LLC is a smart decision, especially if you are looking to establish a line of communication with the debt collection law firm. Solo can help. Take a moment to check out these real online reviews posted on the respected Better Business Bureau platform.

Objectively speaking, the online reviews for Paragon Contracting Services are relatively mixed. Despite the up and down reviews, this should not deter you from taking steps to engage with PCS in an effort to resolve your debt collection matter. Many debt collectors, including those affiliated with PCS, are willing to work with consumers to resolve their debt issue.

Exercise your rights when Paragon Contracting Services Contacts you

Debt collection agents are experts at following up on debt until a consumer bows down to their pressure. The Fair Debt Collection Practices Act (FDCPA) was formulated to protect consumers from the extreme measures debt collectors use to force them to make payments. These guidelines state that debt collectors should not:

  • Phone you late at night or very early in the morning
  • Talk to your colleagues or loved ones about your debt without your permission
  • Threaten you with arrest
  • Say that they will confiscate your driving license and other documents
  • Lie to you about the debt or the action they will take
  • Report incomplete or inaccurate information

Steps to respond to Paragon Contracting Services Lawsuit

The law allows debt collection agencies to sue consumers who refuse to pay a legitimate debt. Fortunately, you cannot be arrested for having debt in any state. Once you receive a lawsuit from PCS, you must act fast to ensure you respond within the timeline given in your state for sending an Answer. The following are the steps to take to beat PCS when they sue you.

1. Respond to each claim listed in the Complaint

The first task is to give a short response to the allegations PCS made about you and the debt in the lawsuit. The three short answers you can use are:

  • Admit: This is agreeing to the allegation made, and you do not contest it.
  • Deny: This forces PCS to prove the allegation made is true according to the law.
  • Deny due to lack of knowledge: You are telling the court that you are not sure about the allegations because you do not have complete knowledge about them.

Even if all the information on the Complaint is accurate, admitting to all claims is detrimental to your case. The judge may unanimously rule in favor of PCS. The recommendation is to deny some claims and let PCS prove its case in court

2. Assert your affirmative defenses

Affirmative defenses involve stating the reasons why you should not pay the debt. If you can prove the defenses you include, the case may be ruled in your favor. Some defenses you can use are:

  • The debt information is inaccurate or incomplete
  • The statute of limitation is applicable (expired debt)
  • PCS has no legal ground to pursue the debt (prove they were given the mandate to collect)
  • PCS violated your consumer rights
  • The original creditor canceled the debt
  • You paid the medical debt and can prove it

SoloSuit understands this information may overwhelm consumers, so we created a customizable Answer document you can use.

3. File the Answer in court, and send a copy to Paragon Contracting Services

Filing your answer with the court is the final and highly crucial step. It would be unfortunate to see PCS get a favorable judgment because your response did not reach the courthouse or you were late in sending it.

Once you are done with the Answer, print it and make two copies. Mail a copy to the court or physically take it. Next, send a copy to PCS attorneys via certified mail to prove it reached them. Lastly, keep the third copy in your records.

Watch the following video for a summary of the steps we’ve just discussed.

Settle your debt with Paragon Contracting Services

If you know the money you owe is legitimate and you have confirmed the correct debt information, then it would be in your best interest to negotiate for settlement instead of going to court. It is also a viable option even if PCS hasn't sued you but has contacted you via phone or through mailed correspondence.

Here are some recommended steps to try and settle your debt with Paragon Contracting Service:

  1. In the event you are served with a debt collection lawsuit by PCS, make sure to file a response via a formal Answer. Doing so will enable you to avoid getting hit with a default judgment. This is necessary because a default judgment can adversely impact your negotiating position when you begin settlement talks with PCS.
  2. After responding to the debt collection lawsuit, take some time to determine what you can pay toward the balance via a negotiated settlement. This process can help you identify your settlement range, which can help during the negotiations process. Consider using the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Once you have your settlement parameters in place, contact PCS to initiate settlement talks. Generally speaking, your opening offer should be less than the maximum amount you can actually pay. Why? Because this will give you some flexibility to negotiate upwards, in the event PCS declines your initial offer.
  4. Be prepared to go through a back-and-forth with PCS during the negotiations process.
  5. If you have success in reaching an amicable debt settlement agreement, make sure to memorialize the terms in writing.
  6. Both you and the rep from PCS need to sign the agreement.
  7. Pay the negotiated amount in a timely manner.

To learn more about these tips and others that may assist you on your journey to settle debt with PCS, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

SoloSettle, powered by SoloSuit, helps you negotiate a debt settlement with Paragon Contracting Services by making an offer you can comfortably pay—without defaulting again. With SoloSettle, you don’t have to worry about communicating with the collector at all. All the heavy lifting is done for you. Reaching a settlement can help you stop constant collection calls and improve your credit score.

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