How to Beat Diversified Consultants

Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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.

If you've ever heard from Diversified Consultants^^

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. SoloSuit 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.

What to know about 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.

There are 49 complaints against Diversified Consultants through the BBB website as of April 18, 2023. The last time a client made a complaint was in March 2022. That complaint indicates a consumer found several adverse reports from Diversified Consultants on their credit report. The company never replied or removed them, likely because it was no longer in business.

Other complaints indicate problems obtaining debt validation from Diversified Consultants. Numerous people expressed frustration with collections activity appearing on their credit reports despite never receiving the debt validation they requested.

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 collections 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.

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