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Respond to a Rock Creek Capital lawsuit

Sarah Edwards | April 25, 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 sued by Rock Creek Capital? Debt collectors can take legal action to reclaim outstanding debt. To respond, you should file an Answer into the case and consider negotiating a settlement. SoloSuit can help you respond to a lawsuit and even take steps to help you resolve your debt permanently through debt settlement.

Unless you have legal experience, the very threat of a lawsuit can leave you feeling like a deer in the headlights. So what do you do when facing litigation from Rock Creek Capital?

Debt collectors will go to extreme lengths to recover debt — even take you to court. If you’ve been sued by Rock Creek Capital, LLC, this guide can help you resolve the situation.

Settle debt with Rock Creek Capital LLC

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

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What is Rock Creek Capital, LLC?

Rock Creek Capital, LLC is a debt collector focusing on student loans. This means that the organization purchases defaulted student loans from both public and private lenders and then seeks to recover payment from the original debtor.

A casual internet search may reveal multiple companies all with similar names to Rock Creek Capital. You may also see references to Timbervest, Rock Creek Capital in Florida, and others. However, the Rock Creek Capital debt collector specializes in student loan debt from across the United States.

Who does Rock Creek Capital collect for?

Rock Creek Capital acquires and collectors debts from private student loan originators, banks, insurers, and finance companies. These are the types of debts Rock Creek Capital collects:

  • Defaulted private and federal student loans
  • Defaulted institutional loans
  • Defaulted college or university accounts receivables

Contact Rock Creek Capital LLC

You can contact Rock Creek Capital LLC debt collectors to negotiate or work out a payment plan at:

  • 888-573-3633
  • info@RockCreekCapitalLLC.com

Ask Rock Creek Capital, LLC to validate your debt

When Rock Creek Capital debt collectors contact you about a debt, the first thing you should do is verify that the debt is legit. It is your right to insist that Rock Creek Capital validates your debt. You can do so by sending them a Debt Validation Letter. In response to your request, Rock Creek Capital should provide you with the following information:

  • The name of your original creditor.
  • The amount of your original debt.
  • Your payment history (if any).
  • The remaining balance of your debt.
  • The date of your last payment.

If Rock Creek Capital is unable to produce evidence that clearly ties you to your debt, you have a significantly better chance of fighting the lawsuit.

Watch the video below to learn more about how to validate your debt before moving forward with Rock Creek Capital:

If Rock Creek Capital validates your debt and you fail to work out a payment agreement, the next step is typically legal action.

Why is Rock Creek Capital suing me?

If you’ve been sued by Rock Creek Capital, LLC, it’s because they’ve purchased your outstanding student loan debt from your original lender and are now taking legal action to reclaim the debt.

Prior to being sued, you may have received notifications or phone calls about the debt. You might have ignored them at the time. Now that you’re being sued, you’ll need to act fast to resolve the situation.

Is Rock Creek Capital a scam?

No, Rock Creek Capital is not a scam, and you should never ignore a legal summons! Rock Creek Capital is a legitimate debt collection agency and debt buyer. It’s listed on the Better Business Bureau (BBB) website as an “investment advisory service,” though customer complaints all allege the company has sought to claim illegitimate debt — earning the company a “C-” rating. Similar claims are filed with the Consumer Financial Protection Bureau (CFPB), though not all complaints seem to be tied to the same Rock Creek Capital debt collector.

It’s also worth noting that Rock Creek Capital, LLC was recently sued by a consumer for violating the Fair Debt Collection Practices Act (FDCPA), and the court ruled against the company. This highlights the importance of knowing about common FDCPA violations among debt collectors like Rock Creek Capital LLC and how to assert your rights, even in the face of a lawsuit.

Respond to a Rock Creek Capital, LLC lawsuit ASAP

If you’re on the receiving end of a Rock Creek Capital, LLC lawsuit, there’s hope. Here are some steps you can take to respond to the lawsuit.

File an Answer quickly

Your very first step should be to file an Answer to the lawsuit with your local court. An Answer is an official legal response to the lawsuit, indicating your intent to defend yourself against the debt collector.

Depending on your jurisdiction, you may have as little as two weeks to file an Answer. After this deadline, the court may render a default judgment in favor of Rock Creek Capital.

SoloSuit makes the process easy — and fast. By using SoloSuit’s online platform, you’ll simply answer a few questions to draft an official Answer. You can print the document yourself and file it with your court, or SoloSuit can do so on your behalf. You can even have an attorney review your Answer for greater peace of mind.

Start using SoloSuit today to file an Answer by the deadline.

Know your rights

Consumers are protected from abusive debt collectors under the FDCPA. This national act restricts debt collectors from calling you multiple times per day, threatening you with arrest, or contacting your friends or family about your debt. If you have documented violations of the FDCPA, it may help your court case.

More importantly, every state sets a clear statute of limitations surrounding debt. Once this time period expires, debt collectors can no longer sue you. Don’t count on the court to check this for you! If your debt is past the statute of limitations, you may have your case thrown out.

Settle your debt

What if your debt is completely legitimate? Your best option is to settle your debt for less than what you owe so you can resolve your situation once and for all.

SoloSettle lets you do just that. Using the online platform, you can make an initial settlement offer and then negotiate with Rock Creek Capital through SoloSettle’s online interface.

SoloSuit will serve as the “middleman,” meaning you won’t have to interact with the debt collector directly. SoloSettle will handle the payment arrangements once you reach a settlement solution.

Let’s take a look at an example of how this works:

Example: Ashley had been paying on both federal and private student loans — but got a little behind in her payments to her private lender. Unfortunately, that soon meant that she was slapped with a lawsuit from Rock Creek Capital. She quickly filed an Answer with her local court. After validating that the debt was legitimate, she used SoloSettle to negotiate a settlement plan. Rock Creek Capital rejected Ashley’s initial offer to pay 60% of her debt but presented her with a counteroffer equal to 67% of her remaining debt. As a result, Ashley settled her debt for less than she originally owed.


Use SoloSettle to open up your own negotiation process.

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Make an Offer

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