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How to Settle A Westlake Portfolio Management Lawsuit

George Simons | January 30, 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: Westlake Portfolio Management collects debts for loan and credit card issuers. To settle your debt with Westlake Portfolio Management, ask them to validate it, assert your FDCPA rights, respond to any pending lawsuits, and negotiate to settle for less.

Whenever you apply for credit, you hope to keep up with the monthly payments. You also may not foresee the original creditor selling your account to a third party. So you may be surprised to learn that you now have a contract with Westlake Portfolio Management.

Many consumers have faced such a dilemma. You may have too. This article teaches you all you need to know about Westlake Portfolio Management and how you can take proactive steps to resolve your debt issue.

Settle debt with Westlake Portfolio Management

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

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What is Westlake Portfolio Management?

Westlake Portfolio Management is a debt collection company that acquires credit cards, auto loans, and other credit portfolios to become the new servicer.

Westlake Portfolio Management is a legitimate company with offices in Los Angeles, California, and other locations. Below, you can find the Westlake Portfolio Management phone number and other contact information:

  • Phone number: 877-854-5688 or 877-854-1898
  • Mailing address: P.O. Box 76809, Los Angeles, CA 90054-0809
  • Main office: 4751 Wilshire Blvd STE 100, Los Angeles, CA 90010-3847
  • Website: https://www.wpmservicing.com/

Who does Westlake Portfolio Management collect for?

Westlake Portfolio Management, also known as Westlake Portfolio, WPM, or simply Westlake, works as a loan servicer for credit unions, secured and unsecured loan providers, and finance companies. So, in other words, Westlake Portfolio Management collects for:

  • Credit unions
  • Secured and unsecured loan issuers
  • Finance companies
  • Auto companies
  • Personal and secured loan companies

As a loan servicer, the company handles repayments, collections, and reporting on all the accounts they acquire.

Read Westlake Portfolio Management reviews online

If you are curious to learn what other consumers have said about their experience with Westlake Portfolio Management on a debt collection matter, then take a moment to read these reviews:

Despite Westlake Portfolio Management’s online reviews being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including Westlake Portfolio Management, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

Here’s a real Westlake Portfolio Management review from a borrower named Dylan:

“I called to handle my past due loan, even with being late on my payments WPM offered me the chance to pay off half my balance to settle the debt. I spoke with David Garcia and he was very kind and helpful in assisting me to handle this situation. Thank you! I called again today to make another payment, needed to pay half of what was due today and pay the rest in a few weeks; David was more than willing to work with me on this to help me pay the loan off. Thank you again!”

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Your rights under the FDCPA

If you fell behind on your payments because your loan was acquired by Westlake Portfolio Management, debt collectors may come after you.

The FDCPA (Fair Debt Collection Practices Act) regulations protect you from abusive and overly aggressive debt collectors.

For example, debt collection agencies cannot try to collect a debt for which they cannot prove ownership or provide the original contract you signed. If they do, you should immediately send them a Debt Validation Letter.

The letter, which you can easily create with SoloSuit, asks for verification of every detail regarding the debt. If WPM fails to provide documentation for the account, they must stop asking you to pay.

Your other FDCPA rights are:

  • Debt collectors cannot call you too early or late in the day.
  • They cannot ask for personal information such as Social Security numbers.
  • No debt collector can insult you or use profanities when talking to you.
  • They cannot try to embarrass you by discussing your debt with an unauthorized third party, etc.

You can sue and get compensation if they do not follow the rules.

Stop debt collection calls with Solo.

Negotiate with debt collectors in court

When Westlake Portfolio Management acquires your credit card or auto loan, there is a good chance your payments will fall through without you even knowing. As a result, you may fall behind on payments until the account is charged off and passed on to a debt collection agency.

Debt collectors hope that you will feel defeated and rush to pay. When these strategies fail, a lawsuit can be their last weapon. But winning a debt collection lawsuit is not beyond you.

When you get sued for a debt, the first step to winning your case is to respond to the Summons and Complaint documents with a written Answer before your states deadline. SoloSuit can help you Answer your debt collection case in just 15 minutes.

Respond to debt collectors in court and win with these three steps:

  1. Answer each claim listed in the Complaint document: The first and most important section of your Answer should focus on responding to the claims listed in the Complaint document. You can admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible.
  2. Assert your affirmative defenses: An affirmative defense is any legal reason that the debt collector's case in invalid. A common affirmative defense to mention in a debt lawsuit case is the statute of limitations on debt. If the statute of limitations on a debt has passed, the collector cannot sue you for the debt. There are several other affirmative defenses you can bring up to strengthen your side of the case.
  3. File the Answer with the court, and send a copy to the debt collector’s attorney: 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 the collector.

Let's consider another example.

Example: Marco's auto loan was passed off to Westlake Portfolio Management. After trying to call Westlake for several weeks to figure out his new payment options, Marco ended up falling behind on his payments. The debt was quickly sent to collections, and it wasn't long before Marco was sued for the debt. Marco was shocked, but he kept his cool and used SoloSuit to respond to the lawsuit with an Answer. This helped him avoid losing by default judgment and gave him a fighting chance in court.


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

Settle debt with Westlake Portfolio Management with these tips

After filing the Answer, you can send an offer to settle with the help of SoloSettle. The settlement proposal enables you to negotiate with Westlake Portfolio. Many debt collectors, including Westlake Portfolio Management, may be amenable to accept a settlement for an amount less than what you owe.

Here are some recommended steps to try and settle a debt with Westlake Portfolio Management:

  1. File an Answer to the debt collection lawsuit so you don’t get hit with a default judgment.
  2. Determine how much you can actually afford to pay with the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Make a reasonable settlement offer that is less than the maximum amount you can pay.
  4. Be ready to go through multiple rounds of negotiating.
  5. When you reach a debt settlement agreement, get the terms in writing.

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Make an Offer

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

Regardless of where you find yourself in the debt collection process, Solo can help you respond to debt collectors and win.

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