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Settle Your Debt With ATG Credit

Sarah Edwards | January 23, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris 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: ATG Credit, LLC is a debt collection company that handles varying forms of consumer debt. To settle your debt with ATG Credit, ask them to validate the debt, respond to any pending lawsuits, and use SoloSettle to negotiate a lower debt amount and get out from under unwanted phone calls.

Chances are that you’d never heard of ATG Credit, LLC until you started receiving phone calls. But ATG Credit is a debt collection agency, and if you’ve been contacted, it means that they’re seeking to collect debt that they’ve purchased from another creditor.

The bad news is that they’re not going away. But the good news is that you have the ability to settle your debt and get out from under repeated phone calls.

Sued for debt? Settle it.

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What is ATG Credit, LLC?

ATG Credit is a debt collection agency based out of Chicago. They purchase debt from various companies and industries, then seek to recover that debt from the original consumer. If you’ve been contacted by ATG Credit, they’re seeking to collect debt that you previously owed to another company.

Who does ATG Credit collect for?

This agency is licensed to collect debt in all 50 states. ATG Credit handles debt from companies of every size and industry, so it’s likely that you’re being contacted due to such things as credit card debt or defaulting on a loan.

Is ATG Credit legit?

ATG Credit, LLC is a legitimate debt collector. The company has been in operation since the year 2000 and is accredited by the Better Business Bureau (BBB).

ATG Credit online reviews are pretty good, with an average rating of 4.2 out of 5 stars on Google reviews as of January 2024.

On the other hand, the BBB website lists 75 complaints against the company, with another 168 complaints registered with the Consumer Financial Protection Bureau (CFPB). Most complaints deny the debt, which is why it’s important to validate your debt to make sure it’s actually yours.

Here are some examples of real ATG Credit complaints and reviews:

How do I contact ATG Credit?

To contact ATG Credit, you can visit the company website, or use the ATG Credit phone number: 866-784-6258.

You can also utilize the ATG Credit chat feature online, and the website includes options to ask questions or dispute your debt.

Otherwise, you can contact ATG Credit via mail at 1700 W Cortland St #205, Chicago, IL 60622. Below is a photo of ATG Credit’s office in Chicago:

Respond to ATG Credit the smart way

The agency has been known to call from numbers like 800-969-4523. How should you respond to ATG Credit collection inquiries? First, you should always take them seriously. Failing to do so can escalate matters and even lead to a debt collection lawsuit. Instead, there are effective strategies you can try to settle your debt and move on with life.

If you have been hit with a lawsuit, consider these tips to help you respond:

Learn how to respond to a Summons for debt collection.

Know your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) protects you from aggressive debt collection practices, such as:

  • Contacting you multiple times per day.
  • Calling your friends or family members about your debt.
  • Calling you prior to 8 a.m. or after 9 p.m.
  • Declining to verify that the debt is yours.
  • Failing to identify themselves as a debt collector.
  • Talking to your family members, co-workers, or friends about your debt.
  • Using offensive or vulgar language.
  • Threatening to have you arrested for outstanding debt.

If ATG Credit collection practices violate these terms, the company can be reported to the Federal Trade Commission (FTC) online or by calling 877-382-4357. You can also make a complaint to the CFPB through its website or at 855-411-2372.

Ask ATG Credit to validate your debt

Some debt collectors may pressure you to admit that the debt is yours, or even to make a payment right away. But never agree to pay a dime until ATG Credit can verify the following:

  • The identity of your original creditor.
  • The date you incurred the debt.
  • The amount you currently owe.
  • The date of your last payment (if any).
  • Information that directly connects you to the debt.

If ATG Credit can prove that the debt is yours, you can work toward negotiating a settlement.

Send a Debt Validation Letter to ATG Credit.

Respond to an ATG Credit debt collection lawsuit with an Answer

Unfortunately, ATG Credit may take the next step and actually sue you for unpaid debt. If this happens, you’ll have to respond quickly by filing an Answer with the court. An Answer is an official document explaining your willingness to fight the lawsuit.

You need to act fast. Depending on your local jurisdiction, you may have as little as two weeks to file an Answer. After this window closes, the court may render a default judgment in favor of ATG Credit.

Not only will you be responsible for the full amount, but the court can also award ATG Credit with legal fees and debt collection fees that add to your final bill. And you can kiss your chances of negotiating a lower settlement goodbye.

SoloSuit makes it easy to draft a legal Answer. You can print your Answer yourself and file it with the court, or have SoloSuit file it for you after an attorney reviews it for clarity. The most important thing is that you’ll be able to respond to the lawsuit and avoid a default judgment.

Even if you want to resolve the debt through a settlement, it’s best practice to respond to the lawsuit to block a default judgment and buy yourself time to negotiate the settlement parameters.

Draft an Answer to your debt lawsuit.

Settle your debt with SoloSettle

After you’ve responded to any pending debt lawsuits, you’re ready to start the debt settlement conversation. Determine how much you can afford to pay before you contact ATG Credit.

The easiest way to resolve debt is through SoloSettle, a platform that assists you in negotiating a lower debt settlement. By using SoloSettle, you’ll never have to deal directly with ATG Credit.

The best strategy is often to offer to pay 60% of the original amount. ATG Credit can either accept this or issue a counteroffer. And if you use SoloSettle, you won’t pay anything until you reach a mutually agreeable settlement.

Let’s look at an example to see how the process works.

Example: Melanie had received a few phone calls from ATG Credit. She followed up by demanding that they verify her debt. Sure enough, it was a credit card balance that she’d gotten behind on. But Melanie saved herself time and money by using SoloSettle to negotiate the company down to a more manageable amount. As a result, Melanie resolved her debt for less than what she originally owed.


Use SoloSettle today to negotiate with ATG Credit.

Move on with life

Even resolving your debt will still impact your credit score. But the sooner you resolve your debt with ATG Credit, LLC, the sooner you can start rebuilding your credit and move on with your life.

To learn more about how to settle a debt with ATG Credit, check out this video:

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