How to Beat Paragon Revenue Group

Edited by Hannah Locklear

Is a debt collector such as Paragon Revenue Group harassing you for a debt you owe? It's easy to feel hopeless and ready to toss in the towel. After all, they call you all the time and just won't let up.

It could get to the point where Paragon Revenue Group will file a debt collection lawsuit against you. Just remember that there's hope and you can fight them. They want you to think that everything is against you and you're powerless. You see, they WANT you to ignore the lawsuit in many cases! If you do that, they get a default judgment and they can garnish your wages and levy your bank account. Plus, you'll probably owe thousands more in interest and legal fees.

So ignoring the lawsuit isn't an option, if you're smart. So what do you do? Keep reading to find out!

Avoid a summary judgment by filing a response with SoloSuit.

Importance of responding to the debt collection lawsuit

When Paragon Revenue Group sues you, you will get notice of the lawsuit from a process server, who usually comes to your home. If you owe this debt and cannot afford to pay up, it's easy to toss the lawsuit in the garbage and forget about it. As we noted earlier, you lose automatically if you do that and the debt collector can come after you hard for what you owe.

Once they file the lawsuit, the matter is in the hands of the court. You won't be able to write or call the debt collector to work things out. Now you have to provide a legal Answer to the debt collection lawsuit. To do that, here's the plan:

• Never admit that you owe the debt. Make Paragon Revenue Group prove that you owe it and that you're responsible for it.
• File your legal Answer with your clerk of court in person.
• Get the stamped copy of the Answer from your clerk of court.
• Mail that copy with return receipt to Paragon Revenue Group.

It's important to respond to the suit within 20 or 30 days, whatever the lawsuit documents say. If you respond too late, you will have a default judgment against you, so please don't let this happen.

Make the right defense the right way with SoloSuit.

Question if they can sue you

A great way to fight Paragon Revenue Group is to question whether they have the right to sue. By the time the debt is with them, it's probably been sold a few times. They need to prove they have standing to sue you. If you don't respond, the court will assume you owe the debt. But if you ask for documentation, the judge will usually allow it.

Paragon Revenue Group needs to provide the credit agreement you signed when you opened the account, as well as all paperwork that dates to when you opened it. This will indicate that the paperwork is accurate and came from your creditor. If Paragon Revenue Group cannot provide this paperwork, the lawsuit might be dismissed.

Paragon Revenue Group bears the burden of proof

Keep in mind that Paragon Revenue Group has the burden of proof, not you. So, they must provide paperwork that you're responsible for the debt, they have standing to sue, and that you owe that exact amount.

For instance, if the debt collector says that your debt is $5,000, you should ask for documents that show when you opened the account. Also, ask for paperwork that shows the last time you made a payment or used the card. The idea is to make them show that you owe everything they claim.

The paperwork they show must indicate the balance went up as you used your card. Also, it must show it increased with charges and fees that were listed in the credit agreement. If you did not agree to what they charged, they don't have standing to sue you. They also must show the account balance was accurate and shows all adjustments and payments.

Remember that most debts are sold by the creditor before they end up in court, so the debt collector may have trouble coming up with this documentation. If you make Paragon Revenue Group work to find all this paperwork, they could give up and go to easier cases, such as the ones where the consumer didn't respond to their lawsuit.

Use SoloSuit to choose the right affirmative defense.

Has the statute of limitations expired?

The statute of limitations indicates how long Paragon Revenue Group has to file suit against you. The rules vary by state, but most have a statute of limitations of four to six years. Keep in mind that the statute of limitations on a debt collection case begins on the day you last used the account, which means when you made a purchase or payment. Keep in mind that you should speak to a lawyer before you make any payment on a card in collections; the debt collector can just use that to begin the clock again so they have more time to sue.

Consider filing a countersuit based on an FDCPA violation

If you received phone calls from a representative with Paragon Revenue Group extremely early in the morning or late in the evening, or your work supervisor was contacted by an agent with Paragon, you may be able to file a countersuit based on violations of the Fair Debt Collection Practices Act.

Overview of what to do if you are sued by Paragon Revenue Group

Here is what you need to do if you receive a debt collection notice or debt collection lawsuit filed by Paragon Revenue Group:

• Keep track of any phone calls made by a debt collector affiliated with Paragon that occurred prior to 8:00 A.M. or after 9:00 P.M.
• Keep track of any phone calls that were made to your workplace by Paragon related to your alleged debt.
• Keep track of any vulgar or inappropriate language used by the debt collector when they speak with you.
• Make sure to file your Answer to the Complaint on time.
• In your Answer, make sure to raise affirmative defenses like the statute of limitations and demand that the debt collection company provide proof of the specific amount owed.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri

Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah; File a Motion to Satisfy Judgment Vermont Virginia Washington West Virginia Wisconsin Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? We're making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• RSIEH
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

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

Get answers to these FAQs

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?

SoloSuit FAQ

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 Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

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 Spouse's 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?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

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?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

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

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm 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? Here's 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

How to Stop a Garnishment

Debt Eraser Review