How to Beat Pendrick Capital Partners

Edited by Hannah Locklear

Fact-checked by Patrick Austin, J.D.

Is Pendrick Capital Partners, a third-party collection agency harassing you? You may be surprised to learn that your debt was purchased for approximately three to seven cents per dollar, or in other words, 3-7% of the original debt amount. It is possible that the collection agency does not have the documentation to prove your debt is current and valid.

Third-party collection agencies, like Pendrick Capital Partners Collection, often have difficulty proving the debt they are collecting belongs to their employers (credit sellers). Besides, even though they don't bring up the subject, most collection agencies will gladly negotiate debt settlements for less than the original amount owed, because they’ll still make a profit.

Do you know you can avoid judgments and wage garnishments? The Pendrick Capital Partners Collection team has no right to demand payments without your consent. Below, we explain everything you should know about Pendrick Capital Partners and tips on how to beat the company in court.

Sued by Pendrick Capital? Settle your debt with SoloSettle.

What is Pendrick Capital Partners?

Healthcare debt is one of the largest markets for Pendrick Capital Partners. Over the last decade, healthcare providers have increasingly been selling aged accounts receivable. With more than $16 billion in face value, Pendrick Capital Partners has acquired over 55 million accounts since 2010. The portfolios represent accounts at emergency rooms, ambulance companies, and hospitals.

Below is Pendrick Capital Partners’ phone number, address, and other contact information:

Pendrick Capital Partner LLC
2331 Mill Rd Ste 510
Alexandria, VA 22314-4687
www.pendrickcp.com/
(866) 335-3361

Pendrick Capital Partners had bad reviews and receives many complaints

If you feel frustrated with Pendrick Capital Partners, take comfort in the fact that you’re not alone.

Pendrick Capital Partners has a rating of 1 out of 5 stars on its BBB profile. Similarly, dozens of BBB complaints have been submitted against Pendrick Capital. Even worse, the Consumer Financial Protection Bureau has received hundreds of complaints against Pendrick Capital.

Here is an example of a recent complaint from Pendrick Capital’s BBB profile (edited for clarity):

“This business buys debt from hospitals, obviously, and sells it to debt collectors over and over for years (we know this). However, Pendrick keeps selling my hospital bills that are years old to a new debt collector, even though I have a 6 month pay agreement with Phoenix Financial. None of the main creditors refuse to remove this false information, even though they have 30 days to do so. Pretty sure what they are doing is ILLEGAL.”

Know your rights when dealing with Pendrick Capital Partners collectors

Pendrick Capital Partners insists you owe them money. How do you respond? The good news is that facing these claims can be less painful than you think.

In some cases, Pendrick Capital Partners' actions may violate the Fair Debt Collection Practices Act (FDCPA). As part of the Fair Debt Collection Practices Act (FDCPA), debt collectors must limit their actions when collecting debts on behalf of another party.

In addition to limiting the number of times and how collectors can contact debtors, the law limits how collection agencies can reach debtors. For example:

• Debt collectors cannot call you to discuss a debt before 8 a.m. or after 9 p.m.
• Debt collections cannot tell your family, friend, or colleagues about your debt.
• Debt collections cannot ignore requests for debt validation.
• Debt collections cannot threaten to report you to law enforcement.
• Debt collections cannot report a wrong debt on your credit report.
• Debt collections cannot fail to identify themselves when they contact you.

On November 20, 2021, the Consumer Financial Protection Bureau's (CFPB's) Regulation F took effect. The regulations clarify and expand on FDCPA debt collector requirements. Regulators made several changes, including:

• Debt collectors must provide consumers with updated information.
• Developed a new model notice to use when notifying consumers of debt.
• For debts with expired statutes of limitations, debt collectors cannot bring or threaten legal action.

Respond to a debt collection lawsuit in 15 minutes with SoloSuit.

Send a Debt Validation Letter to Pendrick Capital Partners

Knowing Pendrick Capital Partners are responsible for verifying you owe the debt can help you beat them; they usually capitalize on fear, inexperience, and desperation. By sending a Debt Validation Letter, you affirm your rights under the Fair Debt Collection Practices Act (FDCPA).

The letter requires Pendrick Capital Partners to provide proof of your debt, forbids contact with you for any other reason, and demands they report the debt as disputable. Once they receive a Debt Validation Letter, many debt collectors will give up.

Pendrick Capital Partners, like most debt collectors, may lack the evidence necessary to support their legal claims.

Watch this video to learn more about how sending a Debt Validation Letter can help you:

You can win your case if Pendrick Capital Partners sues you

If Pendrick Capital Partners is suing you, don't wait too long to prepare your Answer. You have to respond before your state’s deadline, or you’ll lose automatically. When sued, you should receive a Summons and Complaint in the mail. The Summons notifies you of the lawsuit, while the Complaint lists the specific claims against you.

Many people don't know how to deal with debt collectors, and Pendrick Capital Partners takes advantage of this fact. Their strategy relies on going to court and being uncontested. Most people miss the deadline to respond to a lawsuit, which is up to 35 days, depending on where you live.

Follow these three steps to prepare your written Answer to a Pendrick Capital lawsuit:

1. Answer each claim listed in the Complaint.
2. Assert your affirmative defenses.
3. File the Answer with the court and Pendrick Capital Partners.

Now, let’s explore each step a little further. If you don’t like reading, check out this video that outlines the three steps to respond to a debt collection lawsuit against Pendrick Capital Partners:

1. Answer each claim listed in the Complaint

In the lawsuit you receive, you'll see a Complaint document that lists all of Pendrick Capital's allegations against you. The law requires you to answer to each these claims, individually, with one of these three responses:

• Admit: This response means that you agree to the claim against you and do not dispute it.
• Deny: This response forces Pendrick Capital to prove that each claim is factual.
• Deny due to lack of knowledge: This phrase means you cannot admit or deny entirely because you do not have all the information to make an informed decision.

To avoid destroying all your chances of receiving a favorable judgment, do not admit to all the claims. Rather, deny some claims so Pendrick Capital can have the burden of proving their case. Some collectors withdraw the lawsuit due to a lack of evidence or ask you to settle at a lower amount.

Answer each claim against you in minutes from home.

2. Assert your affirmative defenses

Defenses are reasons why the plaintiff, in this case Pendrick Capital, should lose the case. The defense to a debt collection lawsuit is that the plaintiff failed to prove their case or that you do not owe the debt.

Defending your case with an affirmative defense will require proving it before a judge. Presenting a strong affirmative defense may help you prove that you owe the plaintiff less than what is claimed in the Complaint or that you owe nothing at all.

The statute of limitations is one of the most common affirmative defenses used in debt collection lawsuits. This is the time limit that a creditor or debt collector has to sue someone for a debt, starting on the date of the last activity on the debt account. The average statute on debt is between three and six years, but laws vary from state to state. If there has been no activity on the account within the specified timeframe, Pendrick Capital Partners cannot sue you.

However, payments on the debt can restart the clock. Remember that defense will only work if you file your Answer in time.

Let’s take a look at an example.

Make the right affirmative defense the right way with SoloSuit.

3. File the Answer with the court and Pendrick Capital Partners

Filing the Answer is the most crucial step because your efforts to explain your defenses will be in vain if it doesn't get to the courts in time. Use the following steps to send you the Answer:

• Make two copies of your Answer after printing
• Go to the courthouse and file the Answer or mail it
• Send a copy to Pendrick Capital Partners
• Keep the extra copy in your file as you ponder on your next
step

Solosuit can save you the headache of going through this process by filing the Answer document for you once you choose to use our services. Start the filing process with us.

Settle your debt with Pendrick Capital Partners

Most people will face financial difficulties at one point or another. You may not have the money to pay off your debts as they continue to accumulate. But debt settlements can often be arranged with creditors or debt collectors in these situations.

SoloSettle makes it easy to settle your debt for less and resolve your lawsuit once and for all. Our tech-based approach to debt settlement simplifies the process with a software that sends and receives settlement offers for you until you reach an agreement with your creditor or debt collector.

Watch video below to learn more about how to settle a debt with Pendrick Captial Partners.

What is SoloSuit?

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.

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

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

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