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How to Resolve a Debt With Diversified Consultants

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: Diversified Consultants was a collections agency based in Jacksonville, FL. While the company no longer exists, you may have been on the receiving end of some of its collection efforts. Solo explains what you need to know about Diversified Consultants.

If you’re reading this article, you’ve likely received a collection notice from Diversified Consultants at some point. Diversified Consultants was a collections agency in Jacksonville, FL, that purchased overdue consumer debts. While the company is now closed, thousands of people were at the receiving end of its collection efforts.

Debt collectors aren’t known to be subtle when chasing after you. Most will call you frequently and send you letters until you agree to repay the obligation or set up a payment arrangement. If you ignore a collections agency like Diversified Consultants, it may decide to sue you.

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What was Diversified Consultants?

Diversified Consultants no longer has a functional website. However, its Better Business Bureau (BBB) profile is still available to view. The company never accredited itself with the BBB. According to the profile, Diversified Consultants was in business for 30 years before closing.

Who did Diversified Consultants collect for?

Diversified Consultants, as their name implies, had a diverse portfolio of discharged and delinquent accounts purchased from credit card companies, auto loan companies, personal loan companies, etc.

Read Diversified Consultants reviews online

If you’re looking for intel on what other people have said about their interactions with Diversified Consultants, then take a moment to read these real online reviews:

Despite Diversified Consultants online reviews being a mixed bag, this should not deter you from taking proactive steps to try and resolve your debt issue with Diversified Consultants.

Many debt collectors are willing to work with people who engage with them to resolve their debt issue.

Clear any outstanding items on your credit report from Diversified Consultants

While you no longer need to worry about Diversified Consultants calling you or sending you letters, you may still have collections items that appear on your credit report from the agency. If that’s the case, you’ll want to take action to remove the adverse items because they could impact your ability to obtain future credit.

Of course, no one from Diversified Consultants will respond to your request if you write a letter or an email. Instead, you’ll need to file a dispute with each credit bureau that shows a Diversified Consultants account in collections.

The credit bureaus have up to 30 days to investigate your dispute. They must remove the item within five days of finalizing their investigation if they find it inaccurate.

Let’s consider an example.

Example: Tara has an old cell phone bill in collections with Diversified Consultants. It reported her account to Experian, and the bill appears as a collections item on her credit report. Tara finds out that Diversified Consultants is no longer in business, so she files a dispute with Experian to remove the item.


Don’t let collections agencies like Diversified Consultants intimidate you

While you’ll never need to worry about receiving another debt collection letter from Diversified Consultants since it has gone out of business, that doesn’t mean that future debt collectors won’t try to pursue you for an old debt you owe.

If a collections agency contacts you concerning a debt, read the communication carefully. Under the Fair Debt Collections Practices Act (FDCPA), all consumers can request debt validation. If you request debt validation within 30 days of receiving a letter from a collections agency, it must stop its collection efforts until it responds appropriately.

Is a collections agency trying to make you pay a debt? Send a Debt Validation Letter to force them to prove it’s yours.

If the collections agency validates your debt, you must arrange to repay it. Otherwise, the collections agency may force you to pay by suing you.

Legitimate collections agencies aren’t out to make your life extraordinarily difficult. They just want the money you owe. They’ll likely entertain flexible repayment options, like monthly payments or a settlement.

Settling the debt is a good way to save money while eliminating the possibility of a lawsuit. In a debt settlement, you offer the creditor a portion of the money you owe in a lump-sum payment. It will release you from the remaining amount due if it agrees to the settlement.

Are you interested in settling a debt with a collections agency? Watch the following video to learn how debt settlement works.

Diversified Consultants is gone, but other collections agencies still exist

While you no longer need to worry about Diversified Consultants, that doesn’t mean you won’t hear from other collections agencies if you owe an old debt. Request a debt validation if you receive a notice that an account is in collections. If the company provides the validation, you must repay or settle the obligation.

Do you need help settling a collections account? Let SoloSettle handle the settlement process for you.

Advice for negotiating a debt settlement

If you were served with a debt collection lawsuit, it is important to understand that you are not confined to duking it out in court. You still have the ability to try and negotiate a debt settlement with the creditor or debt collector. It is important to proactively respond to the lawsuit so you have sufficient time to engage in productive settlement negotiations (and to avoid a court entering a default judgment against you).

Here are some recommended steps to try and settle your debt:

  1. Conduct a calculation to assess how much you can afford to pay toward the amount owed. Consider using the following debt settlement formula: Amount available to settle = (monthly income – monthly costs) + savings)
  2. Reach out to the debt collector and kick off settlement discussions. It’s recommended that your opening settlement offer be less than the maximum amount you are able to pay toward the amount owed.
  3. Be prepared to engage in multiple rounds of negotiations with the debt collector.
  4. If you are able to reach a debt settlement agreement, make sure to get the terms and provisions in writing.

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

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