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Settle Debt with Persolve LLC

George Simons | January 27, 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: Persolve Legal Group LLC is a debt collection law firm that may sue you in order to pay off a defaulted account. Ask Persolve lawyers to validate your debt, file a written Answer into the case to avoid a default judgment, and use SoloSettle to negotiate and settle the debt before your court date.

Persolve only comes after you if you have an overdue debt. You may be tempted to ignore the calls, but that will not make the debt disappear. Instead of postponing and worsening the problem, consider engaging Persolve LLC to resolve the matter.

Remember, unresolved debts go to your credit report and can stay there for years, affecting your access to credit when you need it. The sooner you close the account, the faster you can regain financial health. Persolve is a third-party debt collector, so if you don’t know how they got your account, speak with customer service. They should tell you who your original creditor is and when they acquired the account.

Let’s learn more about the company and how to work with them to resolve debt.

Settle debt with Persolve LLC

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

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Who is Persolve LLC

Persolve LLC, or Persolve Legal Group LLP, is a debt collector. It has headquarters in Northridge, CA. The firm focuses on litigation in California and nationwide debt collections under the name Account Resolution Associates. Persolve has been in business since 2006. Below is the firm’s contact information:

  • Phone: 818-534-3100
  • Address: 9301 Corbin Ave #1600, Northridge, CA 91324-2508
  • Website: https://persolve.com/

Persolve also has a consumer contact page where you can describe your issue, and they get back to you.

Who does Persolve LLC collect for?

Persolve LLC (Account Resolution Associates) buys past due debts to collect on, but it may also collect for the original creditor. It recovers past-due debts resulting from the following accounts:

  • Consumer and retail credit cards
  • Consumer loans and lines of credit
  • Commercial loans and lines of credit
  • Auto deficiency in repossessions

If a creditor transfers your account to Persolve LLC, you must work with the firm to resolve the issue.

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Many consumers resolve debt faster than expected by engaging a debt collector. If you have an account in collections with Persolve LLC, contact the firm to discuss a way out.

If Persolve has contacted you, read on to learn how to proceed.

My debt is in collections; what do I do?

You can resolve a debt long before it goes to court. However, most consumers do not know what to do because there is varying advice on dealing with debt collectors. Your friends and family may tell you to ignore them; a debt settlement company may advise you to stop making further payments to force the collector to settle. Others think threatening bankruptcy is the best way out.

None of these options may work for you. You only risk a lawsuit, which further complicates the matter. Instead, experts recommend that you engage the debt collector. As soon as your debt goes to collection, take the following steps:

1. Ask For Proof of Your Original Debt

The best way to respond to a debt lawsuit is to require proof that Persolve LLC now owns the debt. Next, you should determine that the debt details are accurate. Reviewing your previous statements alongside Persolve LLC’s records helps you confirm the facts. Ask Persolve LLC to provide documentation showing how they acquired the debt.

When you request proof, Persolve LLC must provide:

  • A signed credit agreement with the original creditor
  • Documentation of the paperwork and where it came from (known as the chain of custody)

Proper documentation allays your worries about the debt's validity and grants Persolve LLC the right to recover it.

Make the right affirmative defense the right way with SoloSuit.

2. Check the statute of limitations on the debt

The statute of limitations governs how long a creditor has to initiate a debt collection lawsuit. The clock starts ticking on the last day you are active on the account. It can last four to six years, depending on your state laws. If the debt collector takes too long, they cannot sue you. They can still contact you and ask you to pay, but litigation is no longer an option for them.

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

How to settle a Persolve LLC debt collection lawsuit

Debt collection lawsuits are scary, but you can resolve them. You have the following options:

  • Pay the debt in full
  • Set up a repayment plan with Persolve
  • Settle the debt for good with a one-time payment

All three options are viable. However, settling the debt is the best option if you cannot afford to pay the total amount. Although you must raise a large sum of money, you do so once, eliminating the possibility of defaulting. It takes some planning and sacrifices, but if Persolve accepts your offer, you can begin rebuilding your credit.

Here is a summary of the steps you need to take:

  1. Answer any pending lawsuits
  2. Raise enough money to make an offer
  3. Contact Persolve LLC outlining the proposed settlement amount. Add any additional information, such as hardships that have resulted in your defaulting on the debt, to increase your chances of settling the debt.
  4. Respond to Persolve LLC’s counteroffers
  5. Once you’ve reached an agreement, get it in writing. Make sure you receive a signed settlement agreement to keep for your records.
  6. Pay the settlement amount

After filing your Answer with the court, remember that it’s your responsibility to continue monitoring the court case until you’ve reached a resolution. Learn how to settle a debt in the following video.

SoloSettle can help you settle the debt faster. Use it to approach Persolve LLC, make offers, and negotiate until you agree.

Know your rights to protect your rights

The Fair Debt Collection Practices Act protects consumers from harassment or other unfair practices by debt collectors. If Persolve has engaged in any of the following violations, you may be able to file a counterclaim. The counterclaim will allow you to seek compensation for any related damages.

These violations might include:

  • Swearing and harassing you by calling names
  • Failing to identify themselves as a debt collector
  • Refusing to identify which company they come from
  • Pretending to be a police officer or other member of law enforcement
  • Lying in any way
  • Calling you at odd hours
  • Telling anyone other than your spouse (or parents if you are a minor) about your debt
  • Using profane or obscene language
  • Making threats

Although completely illegal, debt collectors do sometimes attempt to use these scare tactics. They may think you do not know your rights, or that it will push you into paying the debt. Persolve trains its collectors to follow the FDCPA and tries to treat debtors with respect throughout the collection process, but that doesn’t mean Persolve collectors are perfect at it. To know your rights is to protect your rights.

Learn more about FDCPA Violations to give yourself an advantage when communicating with debt collectors.

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