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How to Deal With Payliance Collections

Sarah Edwards | February 27, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris 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

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: Payliance Collections is a debt collection agency based out of Ohio. You can resolve debt with Payliance Collections by understanding your rights, validating debts, and settling for less than owed with the help of SoloSuit.

No one likes getting calls from debt collectors, just as no one likes getting calls from scammers. Unfortunately, it can be hard to tell whether a debt collector who’s been harassing you is a scammer or a legitimate company. If you’ve been getting calls from Payliance, check out our guide to this company and how to deal with them.

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What is Payliance collections? Is it a scam?

Payliance is a company that does more than just debt collection. According to its website, it offers three main types of services:

  • Payment processing (like bank drafts, credit card, and debit card payments) for businesses and solutions like Payliance Deposit Express.
  • Verification of payments and payment methods to reduce the risk of fraud.
  • Debt collection services, including automated collections and traditional (human) debt collectors.

For our purposes, we’ll just be looking at the debt collection side of things. With all those services offered, you might wonder, “What am I paying to use Payliance services?” Fortunately, you don’t pay the company, except for possibly paying debts you owe. Other businesses set up a Payliance login or account and pay to use Payliance Deposit Express, collect past-due balances, etc.

The company was founded in 2007. While it works with businesses all over the country, its headquarters are located at 2 Easton Oval #310. Columbus, Ohio, 43219. If you need to get in touch with Payliance about a debt, you can call Payliance customer service for collections at 866-945-8964 or email them at payments@payliance.com.

Who owns Payliance?

It’s hard to find a record of a single owner, but it looks like Payliance is backed by Serent Capital, a large private equity firm.

Payliance Collections reviews

At first glance, the Payliance website looks a lot more professional than most debt collector websites do. But looks can be deceiving, so we decided to check out its Better Business Bureau (BBB) profile.

Although Payliance Collections is BBB accredited and has a BBB rating of A+, consumers don’t seem too happy with it. It only has seven customer reviews, but those reviews average out at one out of five stars. Many mention rude customer service agents or agents not returning calls.

One especially memorable review says that someone created a fake check in the reviewer’s name, and the debt was sent to collections with Payliance. When the reviewer called, the call wasn’t returned.

As of January 2024, Payliance has also received several BBB complaints. Many of these complaints cited the company’s failure to verify debts when asked and remove debts from credit reports once they had been paid.

So essentially, Payliance isn’t a scam; it’s a legitimate debt collector, but it seems to use questionable collection tactics at times.

What to do if Payliance is contacting you

If you’ve been getting calls, emails, letters, or texts from Payliance, you might think your only option is to pay up. That’s what debt collectors want you to believe. Before you make a Payliance login and pay, take a moment to understand your rights.

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask any debt collector, not the original creditor, that your debt be “validated.” That basically means you can make a debt collector document that you owe the money they say you do. If they can’t or don’t prove it, you don’t have to pay.

However, you can’t just demand that they “prove it” and hang up the phone. You need to make your request in a formal document called a Debt Validation Letter. In that letter, you need to request that the debt collector provide you with the following:

  • The name of the original creditor.
  • How much you allegedly owe.
  • A copy of the contract between you and the original creditor.
  • The last transaction on the account.
  • Proof that Payliance is authorized to collect the debt.
  • Payliance’s license number to operate in the state where you live.

You can draft and send the letter yourself, but SoloSuit lets you do it in minutes. When you use our Debt Validation Letter Template, we format your letter and send it off quickly.

Get started with SoloSuit’s Debt Validation Letter Template.

What happens if Payliance Collections validates my debt?

In many cases, debt collectors will simply stop trying to contact you once they get a Debt Validation Letter. Why? It takes time and effort to validate debt, and most collectors would rather spend that time harassing other people who will pay without asking questions.

If Payliance does validate the debt, don’t ignore that communication. If you do nothing, you’ll likely be sued, an outcome you definitely want to avoid. If you can’t pay the whole amount, it’s worth offering to pay a lower amount up front or asking to set up a payment plan. Let’s look at an example to illustrate.

Example: Chester gets a letter from Payliance saying he owes $400. He uses SoloSuit to send a Debt Validation Letter, and Payliance validates the debt. Chester can’t afford to pay the $400 all at once. He calls Payliance and asks if he could pay $100 every month for four months. The company agrees, and Chester is relieved that his days of being harassed are over.

Check out SoloSuit’s helpful Q&A on Debt Validation Letters!

Resolve debt with Payliance

Facing debt head-on is stressful. But once you’ve resolved it, the ability to go on with your life worry-free makes the stress worthwhile.

The good news is that you don’t have to deal with Payliance Collections alone. With SoloSuit’s help, you can resolve your debt — and you might end up owing way less than you think.

Watch the video below for tips on how to settle your debt with Payliance:

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