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How to Resolve a Debt With Viking Client Services

George Simons | January 31, 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: Is Viking Client Services suing you for a debt? Respond with a written Answer to avoid default judgment and contact Viking Client Services to negotiate and settle the debt. Solo can help you respond and settle.

Viking Client Services is not a scam; it is a real debt collection agency. If you have an overdue debt, your original creditor may have hired Viking Client Services to collect it. If Viking Client Services has contacted you, you need to know your rights and how to protect yourself against them in your response and in court.

Here's everything you need to know.

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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 Viking Client Services

Viking Client Services is a debt collection agency based in Eden Prairie, Minnesota. Founded in 1969, it handles consumer debt all over the United States. Viking is accredited by the Better Business Bureau (BBB) and maintains an A+ rating. They also go by Viking Billing Services.

You can contact the company at the Viking Client Services phone number or other contact information below:

Know your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers like you from unfair debt collection practices. Violations of the FDCPA include:

  • Reporting inaccurate or incomplete information on your credit report.
  • Not validating a debt when asked. Upon request, the collection agency reporting the information must prove to you that the account belongs to you and the money is accurate.
  • Using threatening, vulgar, or abusive language to get you to pay off a debt
  • Calling before 8 a.m. or after 9 p.m.
  • Discussing the debt with anyone other than you, your lawyer, or your spouse.
  • Not disclosing that they are attempting to collect a debt.
  • Threatening to arrest you over the debt.
  • Threatening to take legal action against you that they cannot, or do not plan to, pursue.

If Viking Client Services has used any of these tactics in their attempts to collect a debt from you, you may be eligible for compensation.

Viking Client Services online reviews

If you’re being pursued for a debt by Viking Client Services, it may be helpful to learn about the experiences of other consumers. You can learn more by reading reviews on:

Alexandra K. had this to say in a Google Review of Viking Client Services:

“I Dealt with this company many times, and they have always been within reason and executed wonderful customer service each and every time. 10/10 recommend Viking Client Services!”

Viking Client Services can sue you

As a debt collector, Viking Client Services is not allowed to harass or threaten you. They cannot lie to you, call you at odd hours, or threaten to sue you if they don't plan to follow through. However, Viking Client Services can actually sue you if they want to. This means that if you owe a debt and it is valid, you might be sued.

When you are sued for a debt, you should receive court documents called the Summons and Complaint (also known as Petition in some states). The Summons notifies you of the lawsuit, while the Complaint lists the specific claims that Viking Client Services is making against you. You have 14-35 days to respond to the Summons and Complaint, depending on which state you live in.

Viking Client Services may request a default judgment against you if you don't respond in time. If the courts grant a default judgment, Viking Client Services can garnish your wages, freeze your bank account, and seize your property. It is important that you know that a default judgment will automatically occur if you ignore the lawsuit or fail to show up in court on the scheduled date.

The first step to beating Viking Client Services in court is to respond to the debt lawsuit by filing a written Answer to the case. Here's how.

Respond to a debt lawsuit against Viking Client Services

You can save yourself a lot of time, money, and stress when you represent yourself in court instead of finding an attorney to do it for you. SoloSuit can help you prepare your legal documents for court and win.

Follow these three steps to respond to a debt lawsuit against Viking Client Services:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer with the court and send a copy to Viking Client Services.

Now, let's break down each of these steps a little further. Don't like reading? Check out this video instead:

1. Answer each claim listed in the Complaint

Your Answer document should focus primarily on responding to the specific claims or allegations listed in the Complaint document that you received. In response to each allegation, you can admit, deny, or deny due to lack of knowledge. Let's explain.

  • When you admit a claim, it's like saying, “This is true.” When you admit a claim, there is no contest. Admitting all the claims in your Answer would probably lead to a judgment against you.
  • When you deny a claim, it's like saying, “Prove it.” Keep in mind that this isn't the same as saying, “This is not true.” Denying a claim is simply refusing to admit it as truth before a court of law.
  • When you deny a claim due to lack of knowledge, it's like saying, “I don't know.” This is a perfectly fine response if you aren't sure about the allegations against you.

Most attorneys recommend denying as many claims as possible, because this will force PFW to do more work to prove their side of the case. If they don't have the proper documentation for proof, their case won't stand.

Draft an Answer to your debt lawsuit in 15 minutes with SoloSuit.

2. Assert your affirmative defenses

The plaintiff in a collections lawsuit is always the creditor or debt buyer, or, in this case, Viking Client Services. Because of this, they hold the burden of proof, which means they must establish the right to collect the debt they owe. Specifically, the plaintiff must provide admissible evidence that the lawsuit is valid. This is difficult, but they will win if you do not show up or respond to the Summons and Complaint.

Here are some examples of affirmative defenses you might raise in a debt lawsuit:

  • Viking Client Services failed to state the basis of the lawsuit. With this affirmative defense, you are stating that the debt collector did not cite a law that was violated, meaning there is no legal reason to sue you.
  • The debt is time-barred: This means that the statute of limitations has passed. The statute of limitations governs how long you can legally be sued for debt. This may range anywhere from two to 20 years, but on average, it is anywhere from four to six.
  • Plaintiff lacks legal standing: If Viking Client Services has failed to provide legal evidence that they own and can legally collect your debt, they lack legal standing. This typically occurs when the debt collector cannot prove they purchased or were assigned the debt.

SoloSuit can help you assert your affirmative defenses in the right way.

3. File the Answer in court and send a copy to Viking Client Services

After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it via USPS-certified mail to the attorneys representing NPAS.

SoloSuit can help you file an Answer in all 50 states.

Settle your debt with Viking Client Services

It is very common to settle a debt collection lawsuit for less than you owe because debt collectors often purchase your debt for pennies on the dollar. This means that even if you are not able to get the lawsuit thrown out, you may be able to settle it for far less than you owe. It is important that you realize you may need to pay a lump sum if you wish to get the lowest price possible. If this is not something you can do, then you should expect to attempt to coordinate monthly payments.

To make settling a debt with Viking Client Services, use the following steps:

  1. Ensure you understand the debt, that it belongs to you, and that you don’t have a strong affirmative defense against it. If the debt is legitimately yours, then you’re doing the right thing by attempting settlement.
  2. Review your personal finances to determine how much you can offer as a debt settlement.
  3. Initiate the settlement discussions by contacting Viking. Though you may choose to call first, following up on your debt settlement offer in writing is always a good idea.
  4. Be prepared for negotiations. You may want to offer less than the maximum you can afford to settle so that you have room to respond if they counteroffer.
  5. Get a settlement agreement in writing once you and Viking have reached an agreement.
  6. Pay the settlement amount on time.

SoloSettle makes it easy to negotiate a debt settlement and reach an agreement with creditors and debt collectors alike.

Watch this video to learn more about debt settlement:

Common outcomes of a debt collection lawsuit

There are a few outcomes you can expect from a debt collection lawsuit. The first is you might win, and the judge will dismiss your case. Another option is to attempt to reduce how much you owe in a single payment or payment plan. However, you can work on a settlement to avoid the courtroom altogether.

You might lose after responding because Viking Client Services has a stronger case than you. In the worst-case scenario, you lose the case by default because you fail to respond to the summons and complaint.

Chances are, Viking Client Services will work with you to find a debt resolution.

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