Start My Answer

How to Beat Radius Global Solutions

George Simons | October 27, 2023

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.

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.

Summary: Is Radius Global Solutions suing you for a debt? SoloSuit can help you take a stand and win in court.

Facing a fierce debt collection agency in court, like Radius Global Solutions, can be intimidating. With almost 40 years of experience in collections, this agency understands the ins and outs of collection laws and may seem to have the upper hand against you in a debt collection lawsuit.

However, you can beat Radius Global Solutions in court if you prepare a good defense for the lawsuit. This article explains how to achieve that and everything else you need to know about debt collection lawsuits and Radius Global Solutions.

What is Radius Global Solutions?

Radius Global Solutions, LLC, is a debt collection agency that collects payments for third parties from different industries, such as healthcare, utilities, telecom, retail, and government. Established in 1982, the Edina-based company boasts that it has serviced more than $6B in loan balances for one of the nation’s largest private credit card issuers.

Radius Global Solutions has received many complaints

If you're feeling harassed by Radius Global Solutions, you're not the only one. As of 2022, Radius Global Solutions has received 392 complaints over a three-year period. Even worse, the Consumer Financial Protection Bureau received 2,154 complaints against Radius Global Collections in the last ten years.

These complaints show that Radius Global Solutions is guilty of:

  • Reporting false information to the credit reporting bureaus.
  • Failing to validate debts.
  • Continuously calling, even after requests to stop.
  • Changing a debt's status on credit reports to make it appear as a newer debt (re-aging debt).
  • Calling early in the morning or late in the evening.
  • Other violations of the FDCPA.

Let's take a look at a real complaint against Radius Global Solutions from the CFPB complaint database.

“Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by all other Radius Global collection affiliates.”

If you are a victim of any of these practices, you may be eligible for compensation. When Radius Global Collections violates the FDCPA, you should report. Keep reading to learn more.

Why is Radius Global Solutions calling you?

If you receive a phone call from Radius Global Solutions, one of your lenders may have handed over your unpaid debt account to the company for collections. Since this agency collects for companies from different industries, they may contact you for uncleared debt accounts, such as credit cards, medical debts, personal loans, or student loans.

The Fair Debt Collection Practices Act (FDCPA) allows debt collection agencies to contact you through various means of communication like phone calls, emails, and messages. However, these agencies must follow certain debt collection rules. For example, they must:

  • Identify themselves as a debt collection agency and provide you with information such as their name and address.
  • Inform you about the debt, the amount you owe, and the creditor's name.
  • Inform you how to dispute the debt or seek debt verification information.
  • Provide you with the written debt verification information within five days of initial contact.

Afterward, the agency begins the debt collection process. You may witness more phone calls, messages, and emails. And, they might also propose a repayment plan if they reach you. Radius will send you one final notice before filing a lawsuit if none of their collection efforts bear results.

You'll receive a debt collection Summons to which you must respond.

Respond to a debt collection Summons from Radius Global Collections

How you respond to the debt collection Summons and Complaint filed against you may impact the final ruling on the case. If you ignore the court Summons, there is a high probability Radius will file a Motion for Summary judgment against you. If the court grants the Summary Judgment motion Radius there is an equally high probability Radius will then ask the court to issue a wage garnishment order allowing them to collect part of your wages to recover the debt.

You need to take note of the time limit you have to respond to the court Summons. This time limit varies from one state to another and may be found on the paperwork you receive along with the court Summons and Complaint.

After confirming the deadline, follow these three steps:

  1. Respond to each complaint in separate paragraphs.
  2. Assert your affirmative defenses.
  3. File your Answer with the court, and send a copy to Radius Global Collections.

Now, let's break down each of these steps a little further. Don't like reading? Check out this video to learn more about these three steps to responding a debt lawsuit.

1. Respond to each complaint in separate paragraphs

The complaint contains all the legal claims by the plaintiff in paragraph form. You must read each claim and decide how you respond to it. Typically, there are three ways to respond to these claims.

  • You may admit a claim if you agree.
  • You may deny the claim if you disagree.
  • You many deny the claim due to lack of knowledge if you aren't sure.

In most cases, attorneys suggest that you deny as many claims as possible. Denying is kind of like stating, “Prove it.” It forces Radius Global Collections to provide the proper documentation and paperwork to prove their case. If they don't have the necessary proof, the case will probably be dismissed.

You can use SoloSuit to draft an Answer in 15 minutes.

2. Assert your affirmative defenses

Affirmative defenses are the reasons why you believe the debt collection agency has no case against you. It's the best chance you have to challenge Radius Global Solutions and beat them later in court.

Examples of affirmative defenses include:

  • The statute of limitations on the debt has already expired.
  • The creditor canceled the debt agreement.
  • You filed for bankruptcy, thus, dismissing the debt.
  • You already cleared the debt.
  • The debt account doesn't belong to you.
  • You didn't receive a notice for debt validation from the plaintiff.

Remember to collect evidence of these affirmative defenses to support your claims. Since asserting affirmative defenses is a one-time chance, you need to explore all available defenses to improve your chances of winning the case. Once you file your initial Answer, you won't be able to bring up any defenses later on in the case.

SoloSuit can help you make the right defense the right way.

3. File Your Answer

After completing your Answer with your responses and affirmative defenses, the next step is filing your Answer. You have to make two copies of the Answer document. Mail one of the copies to the court and the other to the plaintiff or their attorney. Ensure that you use Certified Mail services to obtain proof of mailing and delivery.

SoloSuit can file your Answer for you in all 50 states.

Dispute a debt

If you believe that you don't owe the debt, you can dispute it in writing within 30 days from the day Radius Global Solutions contacts you. When you do so, the agency will stop all collection processes until they verify the debt. Send a Debt Validation Letter to formally request that Radius Global Collections verify the debt. Many debt collectors give up after receiving such a letter.

Negotiate a debt settlement with Radius Global Collections

If you owe the debt and want to avoid going through the hectic court processes, you can try negotiating a settlement amount. The agency may agree to settle for a lesser amount than nothing at all. They may also agree not to report your account to credit bureaus once you pay the settlement amount.

SoloSettle makes it easy to start the debt settlement negotiation process. Keep in mind that many debt collection agencies are willing to settle for less than the original amount, because often they purchase the debt for pennies on the dollar. This means you can pay less than you actually owe, and Radius Global Collections will still make a profit.

Remember to keep copies of all agreements you reach with Radius Global Solutions and honor your part of the agreement.

Settle with SoloSettle

Make an Offer

Report Radius Global Collections for violating the FDCPA regulations

The Fair Debt Collection Practices Act protects you from unfair debt collection practices from debt collectors. For example, these laws prohibit collectors from identifying themselves as attorneys or government representatives. The laws also prohibit them from garnishing your wages without a court order.

If a collection officer violates any of these rights, and many others, you can submit a complaint with the Consumer Financial Protection Bureau (CFPB) and the Fair Trade Commission (FTC). You may also file a lawsuit against them for violating the state collection laws within one year. If you win the lawsuit, the court may order the agency to pay for the damages and court fees incurred.

However, suing a debt collector for violation of collection laws doesn't take away your debt responsibility. You will still be responsible for clearing what you owe.

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.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


>>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 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.

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.

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.

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


It only takes 15 minutes.
And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather


Get Started


Not sued yet?
Use our Debt Validation Letter.

Our Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

Contents