Start My Answer

What to Do If You're Sued By Valentine and Kebartas

George Simons | December 12, 2023

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: Is Valentine and Kebartas suing you? Not sure what to do next? File a response and beat Valentine and Kebartas in court.

If you are being harassed by a debt collection company such as Valentine and Kebartas, you may be feeling upset, stressed, and anxious about your future. Why? Because Valentine and Kebartas, like so many other debt collection agencies, may use aggressive and inappropriate methods to get you to pay what they think you owe. That's the reason Valentine and Kebartas may call you all day and contact you by email and mail to get you to pay.

Numerous Consumer Complaints Filed Against Valentine and Kebartas

Valentine and Kebartas has developed a dubious reputation for using inappropriate methods to try and collect on debts that consumers allegedly owe. The collections agency is based out of Massachusetts and has been accused of egregious violations of the Fair Debt Collection Practices Act.

For instance, many consumers say that Valentine and Kebartas collectors have used aggressive communications that are against US law. Some say they have even tried to collect on debts that the person does not owe. If Valentine and Kebartas contacted you, it's important to be well-versed in your rights before you reply.

Respond to debt collectors the right way with SoloSuit.

If you are the recipient of threatening telephone calls and letters from Valentine and Kebartas, or you are being sued by them, do not despair! You should take bold and aggressive action against them by using the resources that Solo Suit provides.

We have a very simple mission: to assist people who are being bothered by aggressive debt collectors. To help you, our team has put together a lot of helpful information that can help you understand the debt collection process and what you can do about it. Once you have access to this information, you know what is coming and how to deal with the actions of Valentine and Kebartas.

The FDCPA Protects Your Rights Against Harassing Debt Collectors

Valentine and Kebartas may try to take advantage of you by violating the rights that you have under the Fair Debt Collection Practices Act. This act states the rules and limits that apply to debt collection companies like Valentine and Kebartas. Some of the rules include:

  • Valentine and Kebartas cannot call or write to you at work.
  • Valentine and Kebartas may not use rude or vulgar language when it communicates with you by phone or mail.
  • Valentine and Kebartas cannot threaten to sue you.
  • Valentine and Kebartas cannot contact you before 8 am or after 9 pm.

Use SoloSuit to beat threatening debt collectors in court.

You Can Defend Yourself If You Are Sued by Valentine and Kebartas

If Valentine and Kebartas file a debt collection lawsuit against you, it's important to respond appropriately and to do so promptly. Do not throw away the notice and assume that the lawsuit will go away. It will be there even if you throw the lawsuit notice in the trash. It just means you raised the white flag and are letting them win. You should not do this and you have other options.

Here are some things to remember as you write an Answer to the lawsuit:

  • Never admit that you owe any debt that they say you owe. Valentine and Kebartas need to prove that you owe the debt. You don't want to do their work for them. Make them prove it!
  • File your Answer with the appropriate clerk of court within 20 or 30 days of receiving the notice; the time limit for your response will be noted on the document.
  • Mail the answer that you have stamped by the clerk of court to Valentine and Kebartas.

Try These Effective Affirmative Defenses in Your Answer

When you draft your answer in response to the debt collection lawsuit filed by Valentine and Kebartas, you will have the chance to address several deficiencies in their argument. Always remember that debt collectors have to show that you owe what they claim you owe. This means Valentine and Kebartas has to show the following before you must legally repay the debt:

  • Valentine and Kebartas has the right to sue you.
  • You are the one who owes the debt.
  • You owe what is stated by Valentine and Kebartas in the complaint filed with the court.

If Valentine and Kebartas fails to meet these guidelines, it means you can win in court and could get the lawsuit dismissed.

Depending on the case circumstances, you could say that Valentine and Kebartas did not file the debt collection action within the statute of limitations for your state. The statute of limitations lays out how much time someone has to file suit against you. Depending on the lawsuit and state, the time limit can be from one to five years.

If the facts show that Valentine and Kebartas sued you and the statute of limitations ran out, you may file a motion to have the legal action dismissed with prejudice.

Also, you may want to think about filing a countersuit. But you need evidence that Valentine and Kebartas violated an aspect of the FDCPA. If you have such evidence, you could be in line for compensatory damages and having your legal fees paid.

Make the right affirmative defenses with SoloSuit.

What to Do If You're Sued by Valentine and Kebartas

Here's the bottom line on actions to take if Valentine and Kebartas sues you for debts you allegedly owe:

  • Write down all phone calls that Valentine and Kebartas makes before 8 am and after 9 pm. Also, note if they call you at work or use vulgar language. These actions are illegal and you can sue them back.
  • Be certain to file your legal answer within the timeline that the complaint states.
  • In the answer, think about raising one of the defenses we mentioned above, such as the statute of limitations. Also, demand that Valentine and Kebartas give you proof that you owe what you say you owe.

These are ways that you can Valentine and Kebartas at the debt collection game. You have many options, you just have to know what the rules are and to respond appropriately. Also, remember to consider filing a countersuit if they violate the FDCPA.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

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.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


It only takes 15 minutes.
And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather


Get Started

Contents