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How to Settle Debt With Sequium Asset Solutions

George Simons | January 31, 2025

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.

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: Contacted by Sequium Asset Solutions? Validate the debt, assert your rights, and negotiate settlement options. Respond fast with a written Answer to avoid default judgments. Use Solo to answer and settle a lawsuit.

Being contacted by Sequium Asset Solutions, LLC about an unpaid debt can be stressful, frustrating, and exhausting. Luckily, you have options and can take steps to efficiently and effectively resolve your debt issue, such as negotiating a debt settlement.

Here's everything you need to know about Sequium, your consumer rights, and how to beat the company in court.

Let's jump right in.

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

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What is Sequium Asset Solutions?

Sequium Asset Solutions, LLC is a legitimate debt collection agency. They specialize in purchasing debts from original creditors who have given up on trying to collect said debts. Headquartered in Marietta, Georgia, the agency has been in practice for six years. Sequium's contact information is:

  • Phone: 877-362-8766
  • Address: 1130 Northchase Parkway, Suite 150 Marietta, GA 30067
  • Email: inquiry@sequium.com

Who does Sequium Asset Solutions collect for?

Sequium Asset Solutions, LLC pursues delinquent and discharged accounts for various companies operating in different sectors of the economy, such as financial institutions, auto loan companies, personal loan companies, etc.

Read Sequium reviews online

If you want intel regarding what other consumers have said regarding their debt collection experience with Sequium Asset Solutions, then take a moment to check out these legit online reviews:

It’s fair to say the online reviews for Sequium Asset Solutions are a mixed bag (i.e., some good, some not so good). Nevertheless, some reviews show that consumers like you can have a productive discussion with Sequium Asset Solutions to try and resolve a debt collection matter. Take, for example, the review posted by a borrower named Supreme:

“I would just like to say on behalf of me, Brodius Reese I was in collections and I didn’t pay my bill and I wanted to pay my bill so I called to the original lender on my credit card and I was in collections and I was prompted to call this company Seagram I spoke to a young lady by the name of SHANYA.Daley I spoke to her and she was very professional. She walked me through my payment options to save me money and I picked the best option that was for my budget. I’m happy with the results. I’m gonna pay my money on time as I am supposed to and I’m happy I gave them a five star. Because they were willing to work with me and my budget and it was about business and I love that thank you so much. I’ll pay my first payment in the next couple of days and I’ll be happy and I’m on my way. Thank you.”

Supreme’s review shows that debt collectors with Sequium Asset Solutions debt are open and willing to work with you to resolve your debt issue. Effective and proactive communication is essential.

How to respond when contacted by Sequium

Any contact from a debt collector should be met with a request to validate the debt. Do this even if you think the debt is yours and the amount is correct.

Sequium can contact you via phone call, email, or a letter in the mail. When they first contact you, they should verify the debt in writing within five days. Whether the company confirms the debt or not, send them a Debt Validation Letter. They have thirty days from the receipt date to respond. Always use certified mail to reach Sequium to have proof of communication.

Upon receipt of the letter, Sequium must report the debt as disputed. They have to provide proof that the amount is current and accurate. They must stop contacting you about that debt until they do so.

To learn more about how to draft and send a Debt Validation Letter, watch this video:

Negotiate a Sequium Asset Solutions to settle your debt

Even if you were served with a debt collection lawsuit from Sequium Asset Solutions, you still have the ability to try and negotiate a debt settlement. It is important to proactively respond to the debt collection lawsuit so you have enough time to engage in productive settlement negotiations.

Below is an overview of steps you can take to try and settle a debt with Sequium Asset Solutions:

  1. As mentioned above, make sure to file an Answer to the debt collection lawsuit in a timely manner. Responding to the lawsuit is critically important to ensure you don’t get hit with a default judgment that could hinder your negotiating position during settlement talks.
  2. Assess the amount you can realistically afford to pay toward the balance of the debt. Consider using the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Once you’ve calculated your settlement parameters, contact Sequium Asset Solutions to convey your opening settlement. Make sure this offer is less than the maximum amount you can actually pay so you have some room to negotiate upward.
  4. Be ready to go through multiple rounds of negotiating.
  5. If you can reach a debt settlement agreement, get the terms in writing.
  6. Both you and the debt collector need to sign the debt settlement agreement.
  7. Pay the negotiated amount in a timely manner.

To learn more about these tips and others that may assist you on your journey to settle debt with Sequium Asset Solutions, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

What if a debt collector reports false information to the credit bureaus?

Many debt collectors have weaponized the credit reporting bureaus. Because consumers fear ruining their credit scores, they feel compelled to pay errored and inaccurate accounts to get them off their report.

You shouldn't be intimidated into paying an unvalidated debt. Remember that paying an account in collections doesn't remove the stain from your report. It can stay there for years. Instead, use your rights under the Fair Credit Reporting Act (FCRA) to remove Sequium from your credit report and repair your credit.

According to the FCRA, a debt collector or creditor cannot report false information to the bureaus. If they do, report them to the FCRA and the Consumer Financial Protection Bureau (CFPB). A dispute letter is easy to write. Use this template, and send it to the major credit reporting bureaus at the addresses below to remove the error from your report.

How to respond to a debt lawsuit against Sequium

The last of Sequium's tactics is to take you to court. When that happens, don't ignore the case. When debt collectors sue, they are betting on you to ignore the case. The court issues a default against you if you don't respond. The judge can order wage garnishment, property liens, or a freeze on your bank accounts.

It can feel intimidating to respond to an official court Summons and Complaint. But the first step to beating Sequium in court is to file a written Answer to the case. Here's how.

Follow these three steps to respond to a debt lawsuit against Sequium Asset Solutions, LLC.

  1. Answer each claim listed in the Complaint document. When you're sued for a debt, you should receive a Summons and Complaint document notifying you of the lawsuit. In your Answer, the most important thing to do is respond to each claim listed in the Complaint document. You can admit, deny, or deny due to lack of knowledge. Keep in mind that most attorneys recommend denying as many claims as possible, which forces Sequium to prove its claims. If they can't prove everything, they might just drop the case altogether.
  2. Assert your affirmative defenses. An affirmative defense is any legal reason that Sequium shouldn't win the case. You can bring up several affirmative defenses in your Answer, but if you don't assert them in your initial response to the lawsuit, you can't bring them up later on in the case. This is why it's so important to include your affirmative defenses in your Answer. For example, the statute of limitations is a common affirmative defense used in debt collection lawsuits.
  3. File your Answer with the court, and send a copy to Sequium. You have 14-35 days to file the Answer before a default judgment will be entered against you. If this happens, Sequium can garnish your wages and put liens on your properties. You can send the Answer to the court via mail, drop it off in person, or file it electronically (this option is only available in some courts). After you've filed the Answer in court, make a copy and send it to Sequium. Make sure to request a return receipt, so you have proof that you sent it.

Check out this video to learn more about these three steps:

In response to the lawsuit, you may decide to countersue Sequium if they have violated your rights listed in the Fair Debt Collection Practices, such as

  • Calling you before 8:00 am or after 9:00 pm your time.
  • Using profanities when talking to you.
  • Sharing your debt details with unauthorized parties.
  • Threatening to take legal action and failing to follow through.

It's crucial not to fear when dealing with debt collectors. Remember, they are hoping that you don't know your rights. Respond to Sequium by asking for debt validation, reporting misconduct, removing them from your credit report, and filing your Answer to a lawsuit.

If you’ve been sued for debt, filing an Answer is just the beginning of your debt resolution journey. Be sure to attend hearings, respond to other documents filed in the case, and contact Sequium before the court date to negotiate and explore your options for settling the debt. Use SoloSettle to streamline this process.

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