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Settle Debt with Simon’s Agency

Dena Standley | April 23, 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: To settle debt with Simon's Agency, respond to their lawsuit, assess your finances, make a lump-sum offer, and get the agreement in writing. Stand up for your consumer rights when dealing with debt collectors. SoloSuit can help you respond in court, settle, and stand up for your rights.

Settling debt may not have been your plan when you took out a loan or a new line of credit. You probably planned to pay the debt continuously and build your credit score. However, various life events may have led to difficulty keeping up with payments, and that's why Simon’s Agency is on your tail.

Debt settlement is an excellent way to recover from financial hardship and unexpected debt challenges. When you settle a debt, you pay off a portion of it in a lump-sum payment to clear your name of the debt.

This article focuses on settling debt with Simon’s Agency Inc. But before settling, it's important to understand who they are and what people say about them.

Settle debt with Simon's Agency.

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

Settle with SoloSettle

What is Simon's Agency Inc?

Simon’s Agency Inc. is a legitimate debt collection agency in Liverpool, New York. Founded in 1995 and incorporated in 2000, Simon’s Agency offers full collection services from early pay-out collections to legal action.

Simon's Collection Agency serves clients from various industries, including medical, commercial, and government institutions, publishers, credit unions, and banks. The Simon’s Agency phone number and other contact information are listed below:

If Simon’s Agency is unsuccessful in recovering its clients' money using various debt recovery solutions, it also offers credit reporting and attorney litigation services. This means that if you don’t pay Simon’s Agency, you might be sued. Keep reading to learn how to respond.

How to settle debt with Simon’s Agency Inc

The best settlement outcome factors are how much you can offer and what the creditor is willing to accept. Striking a balance between the two ensures both parties leave the table with a reasonable and best possible outcome. The following is the process to ensure you settle your debt efficiently with Simons Agency Inc.

1. Respond to Simon’s Agency’s debt lawsuit with an Answer

It is essential for consumers to take the necessary steps to avoid a lawsuit and protect their rights. Failure to do so can result in wage garnishment or debt collectors placing a lien against assets to satisfy the alleged debt.

The first step is to respond to the lawsuit with an Answer to preserve your rights and avoid a default judgment against you.

Within the lawsuit, you'll see a Complaint with allegations that you must answer with one of three phrases.

  1. Admit–you acknowledge that the allegation is true
  2. Deny–you deny that the allegation is true
  3. Deny for lack of knowledge–this tells the court that you don’t have enough information to admit or deny the lack of knowledge.

After answering the allegations, you'll need to list your affirmative defenses. An affirmative defense is any legal reason you are not responsible for the debt. The more convincing your defenses are, the higher the chances Simons Collection Agency will agree to a settlement deal.

Make the right defense the right way with SoloSuit.

2. Assess your financial situation and make an offer to settle the debt

Assessing your financial situation should be your first step in preparing to settle a debt. It is crucial that you know how much you can afford to offer as a lump sum payment if Simon’s Agency Inc. accepts your offer.

Next, approach them with an offer. Leave room for negotiations if Simon’s Agency counteroffers. Some debt collectors will accept a small percentage of the debt amount, while others may not settle for less than 80%.Your income and financial circumstances will have a great influence on debt collectors’ willingness to settle for less.

If you can demonstrate financial hardship, Simon’s Agency may accept a lower offer. You’ll never know what type of settlement is possible unless you reach out and make an offer. Be ready to go through a few rounds of negotiations before you reach an agreement.

Make an offer to settle your debt with Simon’s Agency.

3. Get the settlement agreement in writing

The settlement agreement should include both parties' names, the settlement amount, and the duration it will take for you to make the final payment. A settlement agreement should also include any action that Simons Agency Collection agreed to take after you pay the settlement amount, such as dismissing the case or reporting the debt as settled to the credit reporting agencies. Here is a sample settlement agreement you can use as a guide.

SoloSettle is the simplest way to settle your debt

If you’ve been sued by Simon’s Agency, debt settlement could be a great option to help you resolve the debt and avoid going to court. Most collection agencies are willing to negotiate a settlement, but starting that conversation can be the hardest part of reaching an agreement.

SoloSettle can help you start the debt settlement process. To learn more about how to settle your debt Simon’s Agency, check out this video:

Settle with SoloSettle

Make an Offer

Read Simon’s Agency reviews online

While some consumers praise them for helpful representatives, others report negative experiences when dealing with Simon’s Agency.

Simon’s Agency reviews on Google earn the company an average rating of 2.1 out of 5 stars, with consumers reporting issues like poor attitudes from customer service representatives, being contacted for debts that did not belong to them, and failing to report accurate information to the credit bureaus..

On its Better Business Bureau profile, Simon’s Agency has an average rating of 2 out of 5 stars. Here, consumers report rude customer service and failure to validate debts.

The Consumer Financial Protection Bureau’s consumer complaint database reports hundreds of complaints against Simon’s Agency. Many of these complaints state that the agency frequently attempts to collect a debt not owed.

The Fair Debt Collection Practices Act protects consumers from these types of issues and ensures that debt collectors treat all consumers fairly. If you feel like your rights have been violated, like the scenarios above, you could have a winning chance in your debt collection lawsuit. The following video shows you how to include this information as a defense in your case.

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