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

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.

When you beat CSIEZPay ^^

Summary: Is CSIEZPay coming after you for a debt? SoloSuit can help you know your rights, take a stand, and win in court.

If you fall behind on making payments towards a loan, credit card, mortgage, etc., do not be surprised if you are contacted repeatedly by a debt collector. This is because banks, credit unions, and other financial institutions will typically transfer a delinquent account to a professional debt collection company in the hopes of recouping some or all of the balance owed. One such debt collection agency is Client Services, Inc. (also known as CSI).

Many consumers, like you, get harassing phone calls, emails, and letters from CSI debt collectors. In addition to levying threats and attempting to intimidate you into paying the amount you supposedly owe, CSI has tried to make the repayment process easier in an effort to persuade more people to simply pay back the outstanding balance. This is where CSIEZPay enters the picture. This platform is used by CSI to coordinate and manage a portion of their delinquent accounts.

If you feel like you're being harrassed by a CSI debt collector, do not give up hope. You have legal rights and protections from such behavior. In addition, SoloSuit is here to help show you how to beat CSIEZPay and CSI in court and in general.

What is CSI and CSIEZPay?

As mentioned, CSI is a debt collection company doing business out of St. Charles, Missouri. In addition, CSI has an office in Kansas Lenexa. The company routinely collects on an array of accounts, including auto loans, credit cards, student loans, medical debt, and more.

If you've been contacted by CSI about a debt, you might be wondering if it's a scam. Client Services, Inc. is a legitimate debt collection agency. Here is their contact information:

Address: 3451 Harry S. Truman Blvd, St. Charles, MO 63301
Phone number: 855-312-6556
Email: WebPayAssistance@clientservices.com
Website: https://secure.csiezpay.com/login

CSI has received numerous complaints

The public reputation of CSI is not very good. Numerous complaints have been filed by consumers who report being contacted (and harassed) about debts they did not actually owe. In addition, consumers have complained about CSI debt collectors providing incorrect information about the alleged delinquent accounts. Finally, CSI debt collectors can be relentless and oftentimes call people repeatedly throughout the day.

More specifically, the Consumer Financial Protection Bureau had 361 complaints submitted against CSI as of 2022, and CSI received 65 complaints in the past three years on its Better Business Bureau profile.

So, if you're feeling frustrated by CSI's debt collection efforts, you're not alone. Luckily, the federal government has laws to protect you.

Know your rights under the FDCPA

If you are being subjected to harassing phone calls, emails, and correspondence from a CSI debt collector, do not throw your hands up in despair. You have legal rights and protections under the Fair Debt Collection Practices Act. The FDCPA is a federal law that established guidelines on how debt collectors can act, including:

Debt collectors can never contact you when you are working.
Debt collectors cannot use rude or vulgar language when talking to you on the phone or in emails or texts.
Debt collectors are not allowed to threaten lawsuits.
Debt collectors cannot contact you before eight in the morning or after nine at night.

If you are a victim of any of the actions listed above, you may be entitled for compensation. You could potentially sue CSI for up to $1,000 per violation of the FDCPA. Most importantly, you should file a report with the FTC, CFPB, or your state's attorney general today.

Demand a Debt Validation Letter from CSI

No matter how you receive a debt collection notice, it is extremely important to confirm the amount that is actually owed (if any), the date of the purported debt, and any other pertinent information related to the creation of the debt and how you are associated with the debt. In order to accomplish this and retrieve such information, you need to send a Debt Validation Letter to CSI.

Under the FDCPA, you have the legal right to demand debt verification from the debt collector. Once you send out the debt validation letter, CSI is legally obligated to provide a response within 30 days of receiving the letter validating the debt. If the company fails to do so, then they will be prohibited from pursuing that debt any further.

Many people are surprised to discover how often debt collection agencies will simply give up and halt their pursuits after receiving a properly-drafted request for debt validation from a consumer.

When demanding a debt validation, remember that the debt collector must provide specific pieces of information in its response. For example, if the debt collector is unable to verify the amount owed by providing accurate documentation, including proof of the amount, account numbers, and ownership of the debt, you should be able to get any debt collection lawsuit dismissed and any negative information removed from your credit report.

Confirm the statute of limitations on debt in your state

When figuring out how to beat CSIEZPay, take the time to determine your state's statute of limitations for debt collection. Every state has a different limitations period that applies to the collection of an outstanding debt. When a specific amount of time has elapsed, a debt effectively dies and becomes “zombie” debt that is no longer collectible through a lawsuit. In other words, if the statute of limitations has passed on your debt, then CSI cannot sue you over it. As mentioned, every state is different, but the limitations period is generally between four and six years.

Don't agree to make any payments through CSIEZPay until you've figured out the statute of limitations on your debt. Making a payment on a debt account will restart the clock on the statute of limitations.

What should I do if Client Services Inc. sues me for debt?

Even if you demand a debt validation or have proof that the debt being pursued is beyond the limitations period, CSI may still decide to file a lawsuit. If this happens, you will be, or already have been, served with a court Summons and Complaint. Do not throw these away since they are legal documents notifying you of CSI's debt collection lawsuit. In addition, the Complaint will list each specific claim CSI is making against you.

Once you are served with the lawsuit, you have 14-35 days to respond before you lose by default. When you lose by default, CSI may have the right to garnish your wages, freeze your bank account, or put liens on your property. When sued for debt, you should be proactive and get to work on drafting a written Answer with the court.

Draft an Answer to a debt collection Complaint from CSI

When drafting an Answer to CSI's debt collection lawsuit, make sure to keep it simple and straightforward. Leave out extraneous details or unrelated information that is not directly relevant to the alleged debt. Instead, simply answer each allegation listed in the Complaint document (these are usually found in a numbered list) with one of the following answers:

Admit: This is like stating, “this is true.”
Deny: This is like stating, “prove it.”
Deny due to lack of knowledge: This is like stating, “I don't know.”

If you ask an attorney, they will likely recommend denying as many of the allegations in the Complaint as possible. Why? Because it effectively creates more work for CSI's counsel to prove their case. In fact, if you draft a proper Answer denying a majority of the allegations, CSI may opt to simply dismiss the case rather than go to the trouble of proving all their claims.

Let's take a look at an example.

Example: Susan is being sued by Client Services Inc. for an old credit card debt in Illinois. She uses SoloSuit to draft an Answer where she responds to each claim listed in the court Complaint document. She also does some research and finds out the statute of limitations on credit card debt in Illinois is five years. Her debt is from seven years ago, and she hasn't made any payments on the account since then. She includes this as an affirmative defense in her Answer document. SoloSuit files the Answer for her within the deadline (which is 10 days in Illinois). After a few weeks, she finds out that CSI has dropped the case because the debt has already passed the statute of limitations, and she technically cannot be sued for it.

Use SoloSuit to represent yourself and save money on an attorney

Speaking of attorneys, you may be under the belief that you need to hire one to draft and file your Answer for you. This is not true. SoloSuit can help you represent yourself and offers guidance on how to draft and file an Answer. In fact, you can make a free Answer on SoloSuit's website in less than 15 minutes. Here are 6 tips for drafting the best Answer possible. The Answer isn't the place to tell your side of the story in detail.

The Answer is not the place to tell your side of the story in detail.
Deny Deny Deny.
Include defenses.
Use standard formatting or “style”.
Include a certificate of service.
Sign it.

SoloSuit's free Answer form incorporates all of these 6 tips, and you can use it to draft your own Answer in less than 15 minutes. To learn more about the 6 tips, check out this video:

Best of luck!

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

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