Is Portfolio Recovery Associates Legit? — How to Settle Debt

Fact-checked by Patrick Austin, J.D.

Edited by Hannah Locklear

Receiving repeated phone calls and letters from a debt collection company like Portfolio Recovery Associates can understandably cause stress and concern about your financial situation. It's important to remember that you're not alone and that there are resources available to help you navigate this process.

Portfolio Recovery Associates has a reputation for being open to working with consumers to reach an amicable resolution to a debt collection matter. Ideally, you could engage in productive settlement discussions with Portfolio Recovery Associates and reach a resolution to your debt matter without having to go to court.

Solo is here to help and can assist you by providing guidance and insights into your legal rights. We can also help you facilitate settlement discussions with Portfolio Recovery Associates and respond to any legal action taken by them.

In this article, we will discuss the practices of Portfolio Recovery Associates and, more importantly, explain how Solo can help you respond to a debt collection lawsuit. Our goal is to empower you with the tools and knowledge needed to resolve your debt (such as through a negotiated debt settlement), facilitating a constructive path forward with Portfolio Recovery Associates.

Sued by Portfolio Recovery Associates? Settle your debt before going to court.

What is Portfolio Recovery Associates?

Portfolio Recovery Associates is a legitimate debt collector that purchases consumer and business debts, including credit cards, medical debt, and other types of loans. Once the company receives your account from a creditor, it will contact you in an effort to set up a payment arrangement.

Many people are taken aback when they are served with a collections lawsuit and see the plaintiff listed as “Portfolio Recovery Associates.” The surprise is likely based on the fact that they have never heard of this debt collection company and have no memory of making a purchase or taking out a loan with Portfolio Recovery Associates.

If you have no idea who or what Portfolio Recovery Associates is, you are not alone. Many delinquent debts are packaged, sold and resold to multiple third parties, including purchasers of delinquent debts like Portfolio Recovery Services. To help provide some insight into this debt collection company, here is some general info on their operation:

Portfolio Recovery Associates, LLC was formed almost 25 years ago, specifically in 1996 in the Commonwealth of Virginia. They are one of the largest debt collection companies in the United States and also collect debts under alternate business names like “PRA III, LLC” and “Anchor Receivables Management.”

Portfolio Recovery Associates is legit—here's their address and phone number to prove it

Portfolio Recovery Associates is a legit debt collection company based in Virginia with hundreds of employees, and collected more than $1.4 billion in 2024 alone. The company is also known as PRA Group, Inc., PRA III, and Anchor Receivables Management.

If you are trying to reach Portfolio Recovery Associates, you can use the contact information below:

• Address: 120 Corporate Boulevard, Norfolk, VA 23502
• Phone number: 1-800-772-1413
• Website: https://www.portfoliorecovery.com/prapay/help/contact-us

Why is Portfolio Recovery Associates LLC suing me?

Portfolio Recovery Associates LLC is suing you because they purchased your charged off debt from the original creditor (could be a bank or credit card issuer), and now they should have the rights to collect the debt through legal action.

Sometimes, during the purchase and transition of a debt portfolio, PRA doesn't get all the necessary documentation needed to collect the debt. For this reason, it's important for you to ask them to validate the debt before you take any other action. If you've already been sued, you can still urge PRA to provide documented evidence that they have the legal right to sue you. To do this, you should draft and file an Answer into the case.

You should investigate before you pay Portfolio Recovery Associates

You should always investigate the debt before agreeing to make any payments.

A great way to investigate the debt is by sending a debt validation letter to Portfolio Recovery Associates. Upon receiving this letter, Portfolio Recovery Associates will provide you with debt an official debt verification statement that contains the following information:

• The amount of the debt.
• The name of the creditor.
• The collector will assume the debt is valid unless the consumer sends them a debt validation letter within 30 days.
• If you send the collector a debt validation letter they will need to mail you validation of the debt.
• If you send them a debt validation letter they will need to mail you the name and address of the original creditor.

To learn more about making a debt validation letter, watch this video:

Do not ignore communication from Portfolio Recovery Associates

It’s best not to ignore communications from Portfolio Recovery Associates. When you first receive a notice that Portfolio Recovery is seeking to recover money from you, ask for a validation of the debt. Under federal regulations, you have up to 30 days to request that Portfolio Recovery provides the information that confirms you owe the debt.

Validating the debt confirms that the company has full ownership of your obligation. You can also make other requests of Portfolio Recovery Associates that can be beneficial to reaching a resolution toward the debt collection matter..

You can request a formal debt validation by sending a debt validation letter. When writing your letter, include the following:

• A request to notify the credit bureaus that you dispute the debt
• Proof you owe the debt, such as copies of contracts or account statements
• Approximate age of the debt and the last action you took on the account
• Debt collector’s license number
• Determination of whether the statute of limitations expired

Check Out Reviews of Portfolio Recovery Associates

If you’re uncertain about whether Portfolio Recovery Associates is legit, or want to gain insight into how other consumers have fared when negotiating with Portfolio Recovery Associates on a debt matter, then take some time to check out these real online reviews:

• Portfolio Recovery Associates reviews on Google
• Portfolio Recovery Associates reviews on WalletHub
• Portfolio Recovery Associates reviews on Yelp

There are a number of legit reviews indicating that consumers can have a positive experience communicating with Portfolio Recovery Associates to try and reach a negotiated debt settlement. Take, for example, this real review posted by a consumer named Robert R. on Yelp:

“I let an old Amazon account balance be charged off, months later I received a legal subpoena stating that I was going to be sued over the debt. I immediately called Portfolio Recovery Associates and they were very accommodating and understanding. They helped me set up a payment plan that worked for me and helped me avoid going to court over the debt. Their web portal is extremely easy to use so it's easy to keep track of your payment process.”

In addition to multiple 5-star reviews, Portfolio Recovery Associates has an A+ rating from the Better Business Bureau.

Check the statute of limitations on your Portfolio Recovery Associates debt

If your debt is so old that you've forgotten about it, there is a possibility that the statute of limitations has expired. For context, the statute of limitations is the time frame in which a debt collector, like Portfolio Recovery Associates, has to file a lawsuit to recover a debt. Let's explain.

A debt is past the statute of limitations if there has been no "activity" on the account for a certain amount of years. "Activity" can mean anything from making a payment to signing a payment agreement. Be careful: if you become active on an old account, you will restart the clock on the statute of limitations.

The statute of limitations on debt is different in each state. This article lists the statute of limitations in each state.

Should I pay Portfolio Recovery Associates if I owe the debt?

If Portfolio Recovery Associates validates your debt, you have several options.

You can set up a payment arrangement with the company, offer to settle the debt, or ignore the communication. It is generally recommended not to ignore their outreach since this will likely result in the filing of a debt collection lawsuit.

Under a payment arrangement, you agree to make regular payments to Portfolio Recovery Associates until the amount owed is paid off. In some cases, Portfolio Recovery Associates may reduce the balance you owe by a certain percentage, allowing you to repay the debt more quickly. Depending on the amount you owe, it may take a few months to a few years to pay off the balance.

You can also attempt to settle the debt for a one-time lump sum payment. Under a debt settlement agreement with Portfolio Recovery Associates, you offer a certain percentage of the total value of the debt, typically less than half of your obligation. In exchange for your payment, Portfolio Recovery Associates would agree to forgive the remainder of your debt and will stop further collections activity.

Settling the debt allows you to pay less than what you owe while preventing further negative impacts on your credit report. Consider using SoloSettle to help facilitate debt settlement talks and resolve your debt by using our cutting-edge digital settlement platform.

Portfolio Recovery Associates is suing me to collect a debt. Can I still settle?

If Portfolio Recovery Associates files a debt collection lawsuit against you, then you’ll need to consider your next steps very carefully. A debt settlement will generally remain on the table. Nevertheless, you’ll want to follow specific steps, including:

1. Respond to the lawsuit with an Answer before your state’s deadline.
2. Send a settlement offer to kick off negotiations.
3. Get the debt settlement agreement in writing.

Let’s take a closer look at each step. You can also watch this video to learn more:

1. Respond to the debt collection lawsuit

Your first step should be filing an Answer to the debt collection lawsuit filed by Portfolio Recovery Associates. An Answer explains your side of the story and directly replies to the points listed in the Complaint (also known as a Petition in some states). Depending on your circumstances, you can deny responsibility for the debt, argue the obligation amount, or contest its jurisdiction.

Even if you intend to try to settle the debt before your court date, filing an Answer prevents Portfolio Recovery Associates from obtaining a default judgment against you.

2. Send a settlement offer

Next, you’ll decide how much you can offer for a settlement. Review your savings and decide on a reasonable offer. Usually, 60% of the amount owed is a good starting point. Remember that the other option is paying the total amount—a settlement can prevent this.

Once the matter escalates to a lawsuit, you will likely negotiate with the legal department of Portfolio Recovery Associates to reach a settlement. At this point, there's a much better chance you'll be able to negotiate an amicable settlement.

Portfolio Recovery Associates would rather reach a resolution outside of court without having to devote time and resources to the debt collection litigation process.

Start by sending a lower offer to Portfolio Recovery, giving yourself room to negotiate and settle for more if they don’t accept it. You can use the following prompt:

“I am offering Portfolio Recovery a lump-sum payment of $___ to settle the debt with case number ___. You can accept or counteroffer. If you accept, respond to this message with only ‘Accept.’ If you want to counteroffer, respond to this message with only ‘Counteroffer: $____.’ Please do not contact me in any way other than by responding to this email. I’m prepared to litigate this matter and win in court. I’m also prepared to file an FDCPA complaint. This offer expires in 6 days on MM/DD/YY. I will pay the agreed amount within 90 days of the settlement date.”

Wait to hear back from Portfolio Recovery Associates (also known as PRA Group, Inc.). Your debt settlement offer may catch the company’s attention, but it may need some time to determine whether your settlement offer is agreeable or if the company will make a counteroffer.

If your finances are limited, explain your situation. Sometimes, debt collectors will grant you additional room for savings if they understand your current hardships. And like we said, Portfolio Recovery Associates is generally open to settling for a portion of the debt, rather than continuing with a protracted legal battle .

3. Get the debt settlement agreement in writing

Once you have an agreement with Portfolio Recovery Associates, get it in writing. A written settlement agreement, including terms that indicate your settlement satisfies your remaining balance, can prevent you from future debt collection activities. You’ll want to abide by the terms of the agreement, so make your payment within the appropriate time frame.

If you’re uncertain of the debt settlement process and want some qualified help settling your account with Portfolio Recovery Associates, SoloSettle can help you navigate the debt settlement process from start to finish.

Now, let’s look at an example of how to settle a debt with Portfolio Recovery Associates.

Engaging with Portfolio Recovery Associates in court

You may not have had time to request a debt validation before Portfolio Recovery Associates filed a lawsuit against you. If this is the case, we've still got you covered. As noted, the key to effectively engaging with Portfolio Recovery Associates is to respond to the lawsuit. And the way you respond is by filing a document called an “Answer.” We'll discuss this later, but first, here are a few common mistakes you should avoid:

1. Waiting Until the Last Minute. You typically have only 10 to 30 days to file an Answer to a lawsuit, depending upon the State in which you reside. So, make sure that you respond quickly. A failure to respond means that Portfolio Recovery Associates will be able to get a legal judgment against you.
2. Saying Too Much. Your Answer to Portfolio Recovery Associates' Complaint should be short. All you need to do is “admit” or “deny” the facts stated in the Complaint. You do not want to write a narrative about your financial situation, or provide more information than is requested.
3. Responding to the Debt Collector By Phone. Never communicate with a debt collector on the phone. Every communication must be in writing so you can protect yourself.
4. Continuing to Pay. It happens frequently that a debt collector will file a lawsuit -- even though you are already on a payment plan for that debt. Not cool. If you are in that situation, then stop making payments, and write a letter to the debt collector stating the reason why -- because they sued you.
5. Admitting the Amount You Owe. Do not be so quick to assume that the debt collector's claim for a certain amount of money is the correct amount. When it comes to the amount listed in Complaint, make sure that you “deny” that paragraph, unless you are 100% certain that they are stating the correct amount. If you don't know, then you should “deny” the paragraph anyway.
6. Forgetting to Demand Proof. This is the biggest mistake. You don't know if Portfolio Recovery Associates is bluffing. Given their track record, that is highly likely. So, somewhere in your Answer, you need to demand verification for the amount they say you owe.

Respond to a Portfolio Recovery Associates lawsuit

If Portfolio Recovery has already filed a debt collection lawsuit against you, then you should have received a court Summons and Complaint notifying you of the suit and listing all the specific claims against you. The first step to responding to a Portfolio Recovery Services lawsuit is to file a written Answer with the court.

You might think you have to hire an attorney to help you draft and file your Answer, but that's simply not true. Represent yourself with Solo’s help and make a free Answer in less than 15 minutes! Here are some tips for drafting a strong Answer (to learn more about these tips, check out the video below):

1. The Answer isn't the place to tell your side of the story in detail: At this point in the case, the burden of proof is on Portfolio Recovery Associates' shoulders—not yours. You don't have to give an elaborate explanation of your side of the story in your Answer. In fact, doing so can actually weaken your case. All you have to do is briefly respond to each claim listed in the Complaint and watch Portfolio Recovery squirm to prove their side.
2. Deny Deny Deny: Most attorneys recommend that you deny as many allegations as possible. This makes the burden of proof heavier for Portfolio Recovery Associates, and it makes them have to do more work to prove their case.
3. Include defenses: Include a section for affirmative defenses in your Answer. An affirmative defense is any reason that Portfolio doesn't have a case (i.e. the debt is past the statute of limitations, the amount listed in the suit is incorrect, Portfolio harassed you to get you pay, etc).
4. Use standard formatting or “style”: Your Answer should look clean and professional, with standard margins and font size. It should be typed in black and white. It should also include a caption (kind of like a header) that has the court information, case title, and case number.
5. Include certificate of service: This is a small statement at the end of the Answer document that declares you have sent a copy of the Answer to Portfolio Recovery's attorney. It should include the address of the court and the attorney that you sent everything to.
6. Sign it: The court will reject your Answer if it doesn't have a signature on it. Some courts require a wet signature (not an electronic signature). SoloSuit can help you determine what type of signatures your court will accept.

After you've drafted your Answer and filed it with the court, make sure to print a copy and send it to Portfolio Recovery's attorney. Failing to do so can cost you big time (it might even result in a default judgment against you).

You Have Rights and Protections Under the Fair Debt Collection Practices Act

As mentioned earlier, consumers have certain legal rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law enacted in 1977 with the objective of protecting consumers during the debt collection process. A consumer possesses the following rights under the FDCPA:

• Right to dispute a debt and request no further contact from a debt collector
• Right to tell the debt collector not to call them at work if such calls are not permitted by the employer
• Right to request proof that a debt exists and the collector is authorized to request payment
• Right to be represented by an attorney in a debt resolution case

Don’t ignore Portfolio Recovery Associates

Debt collection lawsuits generally begin when the debt collector (i.e. Portfolio Recovery Associates) filing a formal Summons and Complaint alleging you owe a specific amount of money (i.e. the unpaid debt). The vast majority of consumers opt to ignore the Complaint and do nothing. This is a big mistake since it means Portfolio Recovery Associates will simply file a motion requesting the Court enter a default judgment against you. If the Court grants the default judgment, Portfolio Recovery Associates will be empowered to take the following actions against you:

• Garnish your wages
• Take money from your checking account
• Place a lien on your personal property (e.g., car)

Solo makes it simple to respond to a debt lawsuit the right way.

Do not let this happen to you. Take action and file a formal response to the Complaint. In your response, take the time to highlight any deficiencies or shortcomings in the debt collection lawsuit. For example, you should request that Portfolio Recovery Associates produce evidence (e.g., documents) showing the following basic information:

1. You are the person in fact responsible for repaying the alleged debt;
2. Portfolio Recovery Associates possesses the right to take legal action against you; and
3. You owe the specific amount listed in the Complaint

Requesting evidence to establish these basic facts is important because it is not uncommon for these large debt collection companies to sue the wrong person or to lack basic financial documents that show you actually owe the alleged debt.

If applicable, you should also consider the expiration of the statute of limitations as an affirmative defense. The statute of limitations is essentially the amount of time someone has to take legal action against another person or company. If the facts of your case indicate that Portfolio Recovery Associates filed a lawsuit after the expiration of the statute of limitations, you could file a motion to have the debt collection lawsuit dismissed. SoloSuit can help you navigate this process and in completing the necessary documents that should be filed with the court.

With Solo you can make the right affirmative defenses the right way.

Need Help? Use Solo

Solo helps demystify the process of responding to a debt collection lawsuit, including lawsuits filed by Portfolio Recovery Associates. Here is how it typically works - you access Solo, which is a dynamic, step-by-step web-app. When you are in the app, you will be asked specific questions. Once you answer these questions, you can either print the completed legal documents and mail the hard copies to the court or you can pay Solo to file it for you and to have an experienced and knowledgeable attorney review the document.

If you or a loved one need help responding to a debt collection lawsuit, including a lawsuit filed by Portfolio Recovery Associates, utilize the services available through Solo.

Overview of What You Should Do If You are Taken to Court by Portfolio Recovery Associates

Here is a general summary of what to do if you are sued by a debt collection company like Portfolio Recovery Associates:

Do not admit liability for the alleged debt since the burden is on Portfolio Recovery Associates to establish that you in fact are responsible for the amount owed.

• Be sure you file your Answer to the Complaint within the time period provided by the Court (in debt collection cases, you typically have between 20 and 30 days to file a response).
• In your Answer responding to the Complaint, make sure you raise any applicable affirmative defenses (e.g., the statute of limitations) and demand that the debt collection company prove that you are responsible for the specific amount owed. These are just a few examples of the types of strategies you can use to respond to Portfolio Recovery Associates in court.
• Use SoloSettle to engage in debt collection settlement discussions with Portfolio Recovery Associates. Generally speaking, Portfolio Recovery Associates is open to resolving a debt collection matter outside of court through a negotiated settlement. SoloSettle can assist in the process by providing a channel of communication and helping you during negotiations with Portfolio Recovery Associates.

Good Luck!

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act