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What to Do If You've Been Sued by Hollis Cobb

George Simons | January 24, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

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 Hollis Cobb is contacting you about a debt or lawsuit, respond promptly to avoid a default judgment. Negotiate to settle for less and protect your rights under FDCPA. Solo can help you negotiate and streamline the settlement process.

If Hollis Cobb Associates is calling you or you received a summons in the mail, then there are a few things you need to know. Debt can overwhelm you when you least expect it. One day you may be easily paying down the principal on your credit cards, student loans, and mortgage, while the next you lose your job due to an accident or other reasons.

When this happens, debt can accumulate, and the next thing you know, debt collectors are calling. This is when things turn south, and you may be sued by Hollis Cobb. It is important to note that debt collectors are not legally permitted to be abusive and harassing during the collection process. Their actions are regulated by the Fair Debt Collection Practices Act, and you need to be aware of your rights.

If you’ve been sued by Hollis Cobb, don’t ignore it. Respond with a written Answer to block a default judgment, and negotiate with Hollis Cobb debt collectors to settle the debt for less.

Settle debt with Hollis Cobb

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

Settle with SoloSettle

What is Hollis Cobb?

Hollis Cobb Associates is a debt collection company that deals with various forms of debt. Founded in 1977, Hollis Cobb has become a prominent debt collection company with ties to various entities, including Diversified Accounts System, Bibb Collection Service and Brent Stamps Attorney at Law. All of these entities are all located at the same address of 4366 Park Drive in Norcross, Georgia. Hollis Cobb also has ties to Bonded Collection Corporation in Chicago, Illinois.

Who does Hollis Cobb collect for?

Hollis Cobb generally pursues delinquent accounts for companies operating in the medical and health sectors.

Read Hollis Cobb reviews online

If you are curious to learn what consumers have said about their experience with Hollis Cobb on a debt collection matter, then take a moment to read these reviews:

While the online reviews of Hollis Cobb Associates are pretty mixed, there some reviews indicating consumers had a generally pleasant experience communicating with Hollis Cobb to resolve their debt issue. Let’s consider a real example from a borrower named Rebecca:

“The person I spoke with previously was very professional. I thought I had taken care of all my bills from having my baby over the summer but obviously a couple slipped thru. The website is easy to use and pay. I never like to have unpaid bills go to collections but stuff happens and apparently mom brain is real. Nobody likes debt collectors but someone has to do it.”

While debt collectors may be persistent (some might say annoying), their goal is really the same as yours: to resolve the outstanding debt. This review shows that Hollis Cobb debt collectors will work with you to resolve your concerns and get your debt paid in a manner that works for you and your current financial situation. Communication is critically important.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Settle with SoloSettle

Make an Offer

Understanding the Fair Debt Collection Practices Act

This consumer protection law is enforced by the Federal Trade Commission. The FDCPA makes it illegal for a third-party debt collector to attempt to collect a debt in an unfair or harassing way. The following are banned under this act:

  • Use obscene or profane language
  • Call outside of the 8:00 a.m. - 9:00 p.m
  • Call at work after you have explained you cannot speak on the phone at work
  • Discuss the debt with anyone except you, your spouse, attorney, and any co-signers
  • Pretend to be police officers or government agents
  • Make threats they cannot legally carry out
  • Make threats that they have no intention of carrying out

How to negotiate with Hollis Cobb to settle your debt

You can negotiate for debt settlement at any stage of the collection process—even after being sued and filing an Answer to the lawsuit. A debt settlement offer asks Hollis Cobb Associates to consider accepting a percentage of the total amount owed. Many debt collectors are willing to settle for less, especially if you offer a lump sum. Here are some steps you can take to effectively negotiate a debt settlement:

  1. Calculate what you can actually pay towards the balance of the debt. For example, could you reasonably pay half of the amount owed and still have money left over to cover your living expenses? Doing this calculus is important because it can give you a guidepost for settlement negotiations.
  2. Make a reasonable settlement via a debt settlement letter requesting that the firm consider your offer. The settlement offer should be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your first offer. Make sure to engage in written settlement communications with Hollis Cobb and continue to use written communication throughout the process.
  3. If you are able to reach an agreement on a settlement amount after negotiations, draft a debt settlement agreement for both parties to sign.
  4. Be sure to pay the agreed amount in time.

Learn more about how to settle your debt with Hollis Cobb by watching this informative video:

What to do if you’ve been sued by Hollis Cobb

Respond

The number one mistake you might make when sued for a debt is failing to respond to the notice. Responding is known as filing an “Answer.” You must file this answer to the summons that you receive.

If you owe the debt and can't pay it, you still must respond. If you do not respond, the collection agency can obtain a default judgment against you. This will open up new ways for them to collect a debt from you. This includes wage garnishment or taking money directly from your bank account. They may also be able to add attorney's fees, court costs, or interest to the balance.

Tips to include in your answer:

  • Don't admit liability for the debt
  • Always force the creditor to prove your responsibility for the debt
  • File the Answer with the Clerk of Court.
  • Ask for a stamped copy of the Answer from the Clerk of Court.
  • Send the stamped copy certified mail to the plaintiff
  • Respond within the time period set on the lawsuit

Respond to debt collectors fast with Solo.

Challenge the legal right to sue

One way to respond to a debt lawsuit is to challenge the right to sue. When the debt reaches the hands of a third-party debt collector, usually it has been sold multiple times. The debt collector is then required to show that they have the right to sue you, meaning that they own the debt.

If you do not respond, then there is no hope because the judge will not look for this information on their own. Instead, if you ask for documentation, the judge will look into your request.

The debt collector must provide:

  • Credit agreement signed by you
  • Documentation of the chain of custody of all paperwork

Ask for burden of proof

One thing that happens when you get served papers for debt, is that the burden of proof lies with the debt collector. This means that they must prove the following:

  • That you are responsible for the debt
  • That they have the right to sue you
  • That you owe a specific amount

Look into the statute of limitations

The statute of limitations governs how long a creditor may sue you for a debt. The rules on this vary based on each state, but typically it is anywhere from four to six years. It is important to note that the beginning of the statute of limitations starts on the last day that you were active on your account. This might be making a payment, receiving loan funds, using a credit card to purchase something.

It is important to note that making a payment on an account can restart the clock for your debt, so you should never make a payment until you are sure the statute of limitations does not apply. Some collection agencies work hard to force you to obtain a small payment, to file a suit later.

Countersue

For debt collectors that violate the Fair Debt Collection Practices Act. you can always countersue. This means that they may need to pay your legal fees and up to $1000 additionally. If the creditor has engaged in violations, you may be able to seek compensation so you must record this information as it happens.

Never admit fault

When looking into what to do if you've been sued by Hollis Cobb, you must never admit fault. Weigh your options first, examine the statute of limitations and go from there. Most importantly, always respond to your initial summons to give yourself time to settle the debt without the risk of a judgment.

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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.

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Civil law legal definitions

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