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How to Resolve Debt With Dynamic Collectors

Sarah Edwards | November 27, 2023

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: Getting a letter or phone call from a collection agency like Dynamic Collectors is never a good thing. Fortunately, if you take the right steps, you can resolve this stressful problem. In this article, SoloSuit teaches you how to do just that.

We’ve all heard stories about debt collector calls that end up being scams. And unfortunately, it can be hard to tell the difference between a scam collection call and the real thing. If you’ve been getting calls from Dynamic Collectors Inc., you’re talking to a legitimate company. But are the debts they’re asking you to pay legitimate? Here’s what to do about a debt you allegedly owe to Dynamic Collectors.

Settle your debt with Dynamic Collectors.

What is Dynamic Collectors?

Dynamic Collectors, in Chehalis, Washington, is a debt collection agency. Unlike many larger collection companies, Dynamic Collectors is only licensed in Alaska, Oregon, Idaho, Montana, Utah, and Washington. This company has been in business since 1990, so it’s one of the longer-lasting debt collection agencies.

Here’s the contact information for Dynamic Collectors:

The photo below is Dynamic Collectors Inc’s office building in Chehalis, WA:

Despite it being relatively small company, Dynamic Collectors works with many different types of unsecured debt:

  • Medical and dental bills.
  • Promissory notes.
  • Property management.
  • Utility bills.
  • Court costs and government-issued fines.

Dynamic Collectors reviews

The Better Business Bureau (BBB) accredits Dynamic Collectors Inc. Its BBB profile shows that it has a rating of A+. However, judging from the number of complaints against it, consumers may disagree.

Compared to many other debt collection companies, Dynamic Collectors doesn’t actually have that many complaints submitted to the Consumer Financial Protection Bureau (CFPB).

However, Dynamic Collectors reviews on Google are not great, with an average rating of 1.6 out of 5 stars on Google reviews. Read some real reviews below:

Notably, Dynamic Collectors is part of the 1% of credit and collection companies that are Blueprint Quality Management System Certified. Blueprint is a system of best practices designed to ensure quality service, data security, an improved experience for customers and consumers, and more.

Respond to a debt collection notice.

Make Dynamic Collectors prove you owe something before you pay anything

Have you gotten a notice from Dynamic Collectors? Before you rush off to pay it (or start panicking because you don’t have the ability to pay it right now), remember that you have certain rights when dealing with debt collectors. Those rights are outlined in the Fair Debt Collection Practices Act (FDCPA).

We won’t go through this lengthy bill right now. Instead, we want to focus on one very important provision.

Theoretically speaking, anyone could mail you a letter saying you owe a certain amount of money. So to improve transparency and cut down on the risk of fraud, the FDCPA gives you the right to ask a collection agency to prove that you owe the money in question.

You should always make this request in writing. When you do so, it’s called a Debt Validation Letter. When you write a Debt Validation Letter, you need to make sure you ask a few very specific questions. If the collector can supply all the necessary documentation, it’s proven you owe the debt. Here’s what you should ask for in a Debt Validation Letter:

  • The name of the original creditor.
  • Exactly how much you (allegedly) owe.
  • A copy of the contract you signed with the original creditor.
  • The last purchase, payment, or other transaction made on the account in question.
  • Proof that Dynamic Collectors (and not another agency) is authorized to collect your debt.
  • Dynamic Collectors’ license number in your state of residence.

If you’re going to send a Debt Validation Letter, you should do so within 30 days of hearing from Dynamic Collectors. The company should not continue to contact you about the debt; once its representatives receive your Debt Validation Letter, their next communication should be their reply. That reply (or lack thereof) will determine what you do next.

Draft a Debt Validation Letter online in minutes.

What happens if Dynamic Collectors validates your debt?

In many cases, debt collectors simply stop bothering you once they’ve received a Debt Validation Letter. This might mean that you never owed the debt in the first place. Alternatively, it could signify that the agency didn’t have all the documentation needed to prove that you owe it.

However, it’s also possible that Dynamic Collectors could have proven you owed the debt, but the company chose not to. Why? As you can probably tell by looking at the list above, collection agencies need to supply a good bit of documentation.

Because collectors send mail and make phone calls to so many people, they might find that it’s more cost-effective to stop dealing with you. Instead, they will turn their focus toward consumers who will pay up without asking questions.

In some cases, the company might get back to you with all the required documentation. This proves that you owe the debt, so you’re obligated to pay it. But before you jump onto the Dynamic Collectors online portal, make sure you’ve exhausted your other options: settling or setting up a payment plan.

Let’s consider an example.

Example: Bobby has just received a letter from Dynamic Collectors validating his $400 debt. Unfortunately, he’s tight on money and can’t pay it all right now. He gets in touch with the company and offers to pay $300 to settle the debt now. But before he calls, he makes sure he has a backup plan. If Dynamic Collectors rejects the settlement, he’ll ask if he can instead pay them $100 per month for four months.


Whatever you do, don’t ignore a reply to your Debt Validation Letter. If a collector hears nothing from you, it might file a lawsuit against you.

If Dynamic Collectors has already started a lawsuit, it’s not too late. Check out SoloSuit’s video on how to settle a debt collection lawsuit.

Take control of your future and resolve your debt

Getting a letter or phone call from Dynamic Collectors Inc. can be stressful. But if you’re proactive and ask for a debt validation, you can make sure you do actually owe money. If you must pay something, you might be able to negotiate a settlement or payment plan. When you handle your debt, you can set yourself free.

If you’ve been sued for a debt, try SoloSuit’s Answer service. We will file an Answer document for you so you don’t lose by default.

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