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How to Respond to Pendrick Capital Partners

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: Pendrick Capital Partners is a debt collection agency specializing in purchasing old medical debt. If Pendrick Capital Partners is suing you, you must respond within your state’s deadline, or you’ll automatically lose. You should draft and file an Answer with the court and send a copy to Pendrick Capital.

Is Pendrick Capital Partners, a third-party collection agency, contacting you over a past-due debt? You may be surprised to learn that they purchased your debt from the original creditor. After obtaining information backing up the account sale, you should act quickly to resolve the debt. The longer the account stays in collection, the more damage it does to your credit report. Further delays in repaying the debt can also lead to lawsuits, which may result in wage garnishments and property liens.

Fortunately, many third-party debt collection agencies will gladly negotiate debt settlements for less than the original amount owed if the amount you offer makes economic sense. Let’s learn about Pendrick Capital Partners’ operations and when you will likely see them on your credit report. Then, we will discuss how to respond and resolve the debt.

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What is Pendrick Capital Partners?

Pendrick Capital Partners is a legit debt collector that purchases debt and also helps with third-party debt collection. With over 20 years of experience, Pendrick Capital Partners uses AI to help with its collection efforts and focuses on strict compliance standards.

Healthcare debt is one of Pendrick Capital Partners' largest markets. 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:

  • Phone: (866) 335-3361
  • Address: 2331 Mill Rd Ste 510, Alexandria, VA 22314-4687
  • Website: www.pendrickcp.com/

Read Pendrick Capital Partners reviews online to understand how it works

Look at Pendrick Capital Partners reviews to understand how consumers feel about dealing with the company and to learn from their experiences as you prepare to negotiate and settle your debt. You may read the reviews on one of these platforms.

A quick review of the CFPB shows that Pendrick Capital Partners responds promptly to consumers' grievances. You can also leave a review based on your experience dealing with the company to provide insight to fellow consumers who owe them money.

Who does Pendrick Capital Partners collect for?

Pendrick Capital Partners collects debt for the healthcare industry. They may buy recently defaulted accounts or some that are several years old. Alternatively, the company offers debt leasing services—they collect debt on behalf of healthcare providers without owning it. As third-party debt collectors, Pendrick may eventually return accounts to original creditors or sell them to another collector.

You may hear from the debt collector even if your insurance paid your bill because there may be some out-of-pocket costs, such as deductibles and copays.

Patients incur debt for several services, including the following:

  • Emergency room visits
  • Diagnostic tests
  • Hospitalization
  • Outpatient care

Regularly checking your credit report can reveal past-due medical debts that may affect access to future credit.

Know your rights when dealing with Pendrick Capital Partners collectors

Pendrick Capital Partners claims you owe them money. How do you respond? Knowing your rights can provide the confidence you need to resolve the matter. The good news is that communicating with debt collectors does not have to be as complicated as many believe.

According to 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 the details of your debt to your unauthorized family members, friends, or colleagues.
  • 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.
  • They 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

Pendrick Capital Partners is responsible for verifying you owe the debt. 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 further contact with you to collect the debt until they have verified it, and demands they report the debt as disputed. Once they receive a debt validation letter, the debt collectors must respond within 30 days.

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

Represent yourself in court if Pendrick Capital Partners sues you

If Pendrick Capital Partners is suing you, don't wait too long to prepare your Answer. You must 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.

Most people miss the deadline to respond to a lawsuit, which is up to 14-35 days, depending on the state in which the lawsuit is filed.

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

  • Answer each claim listed in the Complaint.
  • Assert your affirmative defenses.
  • 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 each of these claims individually with one of these three responses:

  • Admit: This response means 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.

Admitting each claim means you automatically lose the case. Debt collection attorneys may recommend denying most claims to let Pendrick Capital Partners validate its claims. Do not admit to all claims, especially those you do not fully understand.

Answer each claim against you in minutes from home.

2. Assert your affirmative defenses

Defenses are why the plaintiff, Pendrick Capital, should not sue you in this 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.

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.

Example: Pendrick Capital Partners is suing Gary for an old medical debt in Texas. After researching, Gary discovers that the statute of limitations on medical debt is four years in Texas. Since Gary hasn’t been active on the debt account in over four years, Pendrick Capital Partners has no right to sue. Gary uses SoloSuit to draft and file an Answer to the lawsuit. In his Answer document, Gary uses the expired statute of limitations as an affirmative defense, resulting in a dismissal of the case.


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 the Answer:

  • Make two additional copies of your Answer
  • Go to the courthouse and file the Answer, or mail it using certified mail
  • Send a copy to Pendrick Capital Partners
  • Keep the extra copy in your file as you ponder 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..

Settle your debt with Pendrick Capital Partners

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

Debt settlement typically takes the following steps:

  1. Financial analysis: Determine how much money you can raise to settle the debt by reviewing your recurring expenses, savings, and income. If you can put together a substantial amount, Pendrick Capital may be willing to settle.
  2. Make an offer: Approach Pendrick Capital, explaining why you cannot afford the full amount and how much you can afford to pay to close the account. You can initiate the settlement negotiations through writing or on the phone, but follow-up up in writing to create a paper trail of your negotiations. Your offer should be lower than your budget to allow for upward negotiations.
  3. Document the deal in writing: Write down the details of the settlement agreement in a contract and have the debt collector sign it.
  4. Pay the agreement amount: Pay the settlement money on the agreed debt. Defaulting can have serious ramifications.

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 software that sends and receives settlement offers until you reach an agreement with your creditor or debt collector.

Watch the video below to learn more about settling a debt with Pendrick Capital Partners.

Settle with SoloSettle

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