Start My Answer

How to Resolve Debt with Designed Receivable Solutions

Sarah Edwards | May 31, 2024

Sarah Edwards
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

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: Have you been dodging calls and letters from Designed Receivable Solutions? Resolving your debt with this company isn’t as complex or scary as you might think, just ask the agency to validate the debt and then consider negotiating a new payment plan or debt settlement. SoloSuit can help you with all this and more.

No one likes owing money. But when you owe money to a debt collector, you have to deal with repeated phone calls, letters, and the threat of a debt lawsuit. Don’t wait for things to get worse. If you have debt with Designed Receivable Solutions, you can start resolving it right now.

Settle debt with Designed Receivable Solutions

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Designed Receivable Solutions Inc.?

Designed Receivable Solutions is a debt collection agency that sometimes goes by the name Designed Billing Solutions. It’s located at 10833 Valley View St, Ste 415, Cypress, CA 90630-5046, and its phone number is (800) 518-7650. As of April 11, 2024, it has a Better Business Bureau (BBB) rating of B, although it’s not accredited.

There are no Designed Receivable Solutions reviews on the company’s BBB profile — but there are lots of complaints.

We also checked out the Consumer Financial Protection Bureau (CFPB) complaint database and saw that more than 400 consumer complaints were submitted against Designed Receivable Solutions. Many complaints have to do with failure to validate debts.

Is Designed Receivable Solutions Inc. a reputable company?

Designed Receivable Solutions is a real business — it’s not a scam. However, one thing you should keep in mind is the company’s recent data breach. On March 23, 2024, Designed Receivable Solutions filed a notice stating that it had experienced a data breach.

Designed Receivable Solutions claims that someone was able to access the company’s stored data. This means that pieces of sensitive information — like names, bank account numbers, credit card numbers, home addresses, and phone numbers — were compromised.

In many cases, people who successfully hack databases will then sell the information they find, so there’s a chance the exposed data could be seen by countless other people.

Designed Receivable Solutions stores the information for people they’re trying to collect from, so if you’ve been getting letters or phone calls from the company, there’s a chance your data might have been affected, too. The company has begun to send letters out to anyone whose data was compromised.

Respond to a debt collection lawsuit.

How do you resolve debt with Designed Receivable Solutions Inc.?

Whether you’ve just gotten a call from a Designed Receivable Solutions collection agent or have been dealing with the company for months, it can be hard to know what to do to resolve your debt. Fortunately, you have options.

Ask Designed Receivable Solutions to validate your debt

Unfortunately, not everyone knows their rights when it comes to debt collection. Many debt collectors bank on that. The Fair Debt Collection Practices Act (FDCPA) grants consumers many rights, but one of the most important ones is the right to ask a collector to prove you owe a debt. If they can’t prove it, you don’t have to pay.

To ask for proof, you need to send what’s called a Debt Validation Letter. In that letter, you need to request a few specific pieces of information:

  • The original creditor
  • How much you owe
  • The last transaction on your account
  • Proof that the debt collector is the one authorized to collect the debt
  • A copy of the signed contract between you and the original creditor

Want to learn more about Debt Validation Letters? Check out the following video:

Reach out to set up a payment plan or settlement

If Designed Receivable Solutions responds to your Debt Validation Letter with proof, they’ve validated your debt. If you don’t pay, they might file a lawsuit against you (and if you’re like most people, you probably don’t want to get involved in a lawsuit!).

But don’t grab your wallet and rush to pay in full just yet! Your best option is to try to work out a payment arrangement. Let’s consider an example.

Example: Bud gets a letter from Designed Receivable Solutions saying he owes $500. He sends a Debt Validation Letter, and the company proves he owes money. He can’t pay all $500 right away, so he calls and asks if they would accept $400 instead. Bud pays it and gets to move on with his life.


If Designed Receivable Solutions won’t accept a reduced amount (or if you have little spare money), consider asking if you can pay the debt in manageable monthly installments.

What if Designed Receivable Solutions has already sued you?

After a certain amount of time (although there’s no “standard” time period) of not hearing from you, a debt collector might decide to file a debt lawsuit against you. Lawsuits can be stressful and complicated, but you shouldn’t give up just yet.

Send an Answer letter

Each state has its own deadline for when you need to respond to a notice of a lawsuit. It’s important to send a document called an Answer before that deadline. Your Answer gives you a chance to respond to the claims made against you.

Whatever you do, don’t ignore notice of a lawsuit. If you don’t send an Answer by the deadline, the debt collector may win by default. That means you’ll be legally required to pay, and your wages might be garnished.

Sending your Answer doesn’t have to be hard — get started with SoloSuit today!

Offer to settle your debt

If you don’t want to go through the long lawsuit process but also don’t want to pay the full amount you owe, consider a settlement. This is when you and a debt collector agree on a lump sum you can pay them instead of the full amount.

Debt collectors have to pay a significant amount in attorney fees for a lawsuit, so it often makes more financial sense for them to accept a settlement.

Even the settlement process can be complex, but with SoloSuit’s help, you can navigate a settlement with relative ease. If you do manage a settlement, you’ll end up paying less. The worst a debt collector can do is say no!

Get started with SoloSettle by SoloSuit today!

Want to learn more about how to settle your debt with Designed Receivable Solutions? Watch this video:

Resolving your debt — one step at a time

If Designed Receivable Solutions is saying you owe money, the most important thing is to not panic. When you take a proactive approach and face your debt head-on, you’ll be that much closer to living a debt-free life.

Settle with SoloSettle

Make an Offer

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

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.

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.

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.

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.

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.

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.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

Contents