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Sued by Summit Account Resolution? How to Respond

George Simons | January 21, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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: If Summit Account Resolution has contacted you about a debt you owe, you can request a debt validation. And if you’ve been sued, it’s important to respond to the lawsuit. Solo can help you request debt validation, respond to the lawsuit, and work out a debt settlement plan before your court date.

Avoiding debt repayment is understandable. Life happens, and when debt becomes unmanageable, it is certainly tempting to wish it all away. But ignoring the problem won't change anything. In fact, failure to respond can lead to serious consequences like wage garnishment.

Fortunately, modern debt collection agencies are making an effort to balance meeting their client’s needs and showing compassion for consumers struggling to make ends meet. In addition, the debt collection industry is regulated by state and federal entities, as well as the Consumer Financial Protection Bureau (CFPB), to ensure the relationship between the debt collector and consumer stays within the legal limits.

Below is a guide on how to resolve debt with Summit Account Resolution. Even if they sue you, we can help you resolve this situation by responding to the lawsuit and settling the debt before your court date.

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

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Who does Summit Account Resolution collect for?

Summit Account Resolution is a legitimate third-party debt collection agency. Various companies and government institutions hire them to follow up on overdue accounts. As part of its strategy, Summit Account Resolution calls and writes to consumers to collect outstanding balances for debt in the following industries:

  • Credit card
  • Banking
  • Landlord/tenant
  • Education
  • Medical
  • Dental
  • Veterinary

Once they contact you, verify that the debt is yours by sending a debt validation letter within 30 days of receiving communication about the debt. Choosing to postpone taking action may result in Summit Account Resolution taking drastic measures, such as entering your past-due debt on your credit report or taking you to court.

Even though consumers are protected by the Fair Debt Collection Practices Act (FDCPA), debt collectors can still damage your credit rating or file a lawsuit against you to collect on past due debts.

Summit Action Resolution wants you and the original creditor to continue having a working relationship. That’s why they are willing to listen to your side of the story and help you develop a new payment plan.

Below is the Summit Account Resolution phone number and other contact information:

Summit Account Resolution reviews

Consumers often have varying views about debt collection agencies. It is understandable for them to feel overwhelmed when contacted about a debt they owe, yet they can barely make ends meet. Determining to face your debt and work on a plan improves the nature of your interaction. The following are online platforms that give you a feel of the experiences consumers have had with Summit Account Resolution:

To make a well-informed decision about how to handle your debt, research these Summit Account Resolution reviews and learn about the company’s track record. By understanding this particular debt collection agency's strategies, you can better prepare yourself for negotiating with them.

Let’s take a look at a real Summit Account Resolution review from Govani:

“I want to give thanks to Summit AR. I have a Spanish-speaking father and didn’t think that he could resolve this account on his own had I helped him so I can translate, but it turns out that they have a few Spanish speakers and my father was able to handle his affairs by himself. They were very customer friendly.”

As you can see, Summit Account Resolution wants to help consumers settle and resolve their debts. If you’re like more people, you probably hate the thought of communicating with a debt collector. But you should know that it’s the surefire way to get rid of your debt.

Out of 5 stars, Summit Account Resolution has a 4.4-star rating on Google Reviews, which is actually very high for a debt collection agency. The business is BBB-accredited with an A rating and relatively few complaints.

What if Summit Account Resolution sues me?

Responding to the lawsuit is the first step in this legal process. Failing to respond, hoping Summit Account Resolution will give up and withdraw the case will not work. The court will likely issue a default judgment if you do not act. .The documents you receive in a lawsuit are called Summons and Complaints (petitions), depending on the state. Once you receive the Summons and Complaint, respond in writing to the court with a Debt Answer.

To respond to a debt lawsuit, you must:

  1. Send a professional Answer document
  2. Assert your affirmative defenses
  3. File the Answer with the court and send a copy to Summit AR's attorney

Let’s take a closer look at each of these steps.

1. Respond by preparing an Answer

Sending an Answer to the Complaint is the most effective way to defend yourself against a debt collection lawsuit. You must answer within the deadline to avoid losing the case and facing default judgment.

The Summons and Complaint documents you receive should contain your case details, the court date (if applicable), a certificate stating you were served, and an allegation list that outlines each claim against you.

In your reply, you must respond to each claim and state whether you agree or disagree. More specifically, you can reply to each claim with one of the three following response options:

  • Admit: You agree with the claim
  • Deny: Summit AR must prove the claim is valid
  • Deny due to lack of knowledge: This is like saying you don’t know.

2. Assert your affirmative defenses

An affirmative defense is your legal reason why the Complaint should be dismissed. The affirmative defenses should appear at the bottom of your response to the allegations. Here are some affirmative defenses:

  • Failure to state the basis for the lawsuit: A debt collector cannot sue you if they don't cite the violation of the law.
  • Statute of limitations (time-barred debt): In other words, the statute of limitations has expired. The statute of limitations governs how long they can legally sue you for debts. The duration may range from two to 20 years, but on average, it is between four and six years, depending on your state.
  • Summit Account Resolution lacks legal standing: Plaintiff (Summit AR) lacks legal standing if they cannot prove that they own your debt and have the legal ability to collect it.
  • FDCPA Violations: The FDCPA can be invoked if Summit Account Resolution engages in illegal debt collection practices.

3. File the Answer

After you’ve responded to each claim and asserted your affirmative defense, your Answer should be ready to submit to the court. Your court may charge a filing fee, so be prepared to pay. Most importantly, be sure to file your Answer in court before your state’s deadline (each state has a different response deadline). Send a copy to Summit AR's legal team or attorney as well.

Settle your debt with Summit Account Resolution.

Finally, negotiating a debt settlement with Summit Account Resolution is the most effective way to respond to a debt lawsuit. A debt settlement is ideal for people who don’t have enough money to repay their debt before their court date. In a settlement, you offer to pay a portion of what you owe in exchange for the company dropping the lawsuit against you and ceasing further collection efforts.

Most collection agencies are amenable to settlement offers. However, the more you propose, the more likely you will get the “yes” you’re looking for. An offer of 60% or more of the debt’s value will likely result in success, although every company is different.

Watch this video to learn more about how to settle a debt with Summit Account Resolution:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

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