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How to Resolve Debt with ConServe Debt Collection

Sarah Edwards | November 10, 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: ConServe Debt Collection is a collection agency that spans multiple industries and also contracts with the IRS. If you’ve been contacted by this company, you’ll need to respond strategically. SoloSuit can help you prepare an Answer to a debt collection lawsuit, and SoloSettle can help you start the process of negotiating a lower settlement.

If you’re treading water financially, a debt collection phone call can feel like someone just tossed you an anchor. But there’s an easy way to resolve debt with ConServe Debt Collection without finding yourself in court. The following steps can help you avoid a lawsuit and settle your debt for a mere fraction of what you owe.

What is ConServe Debt Collection?

ConServe Debt Collection is a debt collection agency that serves industries including higher education, commercial lending, and the financial sector.

What makes ConServe stand out is that the Internal Revenue Service (IRS) has contracted with ConServe Debt Collection. IRS contractors serve the government’s Private Debt Collection Program, which is designed to help taxpayers resolve past due accounts.

ConServe debt collection complaints

ConServe Debt Collection is a legitimate company, even one trusted by the U.S. government. That said, the company has 90 complaints registered with the Better Business Bureau as of 2023, and 39 complaints appear on the Consumer Financial Protection Bureau (CFPB) database.

ConServe has an average 1.8-star rating out of 5 stars on Google reviews. Several consumers have also submitted complaints to that platform.

Many of these complaints allege that ConServe has engaged in harassing phone calls, used inaccurate data, and failed to validate the customer’s debt. That’s why it’s important to assert your rights and verify your debt before proceeding.

Contact ConServe debt collection

You can reach ConServe by mail at 200 CrossKeys Office Park, Fairport, NY 14450. You can also call a toll-free number: (800) 724-7500. Consumers can email the company at correspondence@conserve-arm.com.

The photo below shows ConServe’s office building, located in Fariport, NY:

Respond to ConServe debt collection

Don’t give in to high-pressure debt collectors. It’s not uncommon for debt collection agencies to dial up the pressure or urge you to make a “good faith” payment. Instead of giving in to this pressure, respond to ConServe in three specific ways.

Report FDCPA violations

First, it’s important to know your rights. The federal Fair Debt Collection Practices Act (FDCPA) protects consumers against dishonest or aggressive debt collection practices. These include:

  • Failing to identify themselves as debt collectors.
  • Calling you before 8 a.m. or after 9 p.m.
  • Calling you more than once per day.
  • Refusing to validate your debt.
  • Using offensive or intimidating language.
  • Speaking with your friends, family members, or coworkers about your debt.
  • Threatening you with arrest for not paying.
  • Continuing to contact you after receiving a Cease and Desist Letter.

Has ConServe Debt Collection violated any of these regulations? If so, you can report the company to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You may also report it through the CFPB’s website or by calling 855-411-2372.

Respond to a debt collection lawsuit

What if you’ve been sued for your debt? Even if you don’t believe the debt is legitimate, don’t ignore a summons regarding a debt collection lawsuit. Failing to respond in a timely manner can result in a default judgment against you, and the court may even reward ConServe with legal fees or debt collection fees.

Instead, file an Answer with the court. Do so immediately, as you often have only two weeks to respond. SoloSuit can help you draft and file your Answer, which communicates your willingness to fight the lawsuit. Remember: if you lose your case, you’ll be unable to negotiate a lower settlement amount.

Start drafting your Answer today by using SoloSuit.

Ask ConServe to validate your debt

Insist that ConServe Debt Collection verify your debt by sending you a Debt Validation Letter. This letter provides confirmation that the debt is yours. It contains such information as:

  • The identity of your original creditor.
  • The amount of the original debt.
  • The amount of debt remaining.
  • Your payment history (if any).
  • The age of your debt.
  • Proof that connects you to your debt.

If you press your debt collector to provide evidence that the debt is yours, they may back off and drop the case entirely. But if the debt is legitimately yours, your better option may be to negotiate a lower settlement.

Settle with SoloSettle

Make an Offer

Settle your ConServe debt with the help of SoloSettle

Most debt collectors are willing to accept a lower settlement amount simply to have the matter resolved. SoloSettle provides a helpful tool for negotiating a lower settlement, and you won’t have to deal directly with the debt collector.

Just use SoloSettle to start the negotiation process. Start by offering to pay 60% of your original debt. Your offer may be rejected, but ConServe may respond with a counteroffer that you can accept or decline.

SoloSettle will facilitate the process until you come up with a settlement that works for you and ConServe Debt Collection. Payment occurs only once you reach the settlement.

Let’s look at an example.

Example: As a freelancer, Carly hadn’t set aside enough money for her annual income taxes. She’d meant to get caught up, but pretty soon her unpaid taxes caught up with her. In fact, ConServe Debt Collection was now suing her for her tax debt. A friend told her about SoloSuit. Carly was able to file an Answer with the court, then use SoloSettle to negotiate a lower settlement. As a result, Carly resolved her debt once and for all, and thanks to SoloSettle, she didn’t have to keep dealing directly with the debt collector.


Start the negotiation process by using SoloSettle to resolve your debt.

Get out of debt fast

Don’t let debt hang over your head, and don’t let yourself get discouraged by overzealous collection agencies. Instead, take control of the situation by negotiating a lower settlement. The sooner you start the negotiation process, the sooner you can reach an agreement that will let you get on with life.

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Not sued yet?

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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


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