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What to Do When You're Sued by Waypoint Resource Group

George Simons | February 01, 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 Waypoint Resource Group contacts you about a debt, don't panic. Respond promptly to avoid legal issues. Negotiate to settle the debt for less, and ask them to validate the debt. Use Solo to streamline the settlement process.

Debt collection lawsuits often come by surprise. You're caught totally unaware, and now you find yourself in the middle of a lawsuit. You have no idea how to proceed. After all, you don't know what to do when sued by Waypoint Resource Group.

Don't panic! Contrary to popular belief, you don't need a lawyer for a debt collection lawsuit. If you choose to represent yourself though, you need to invest the time to get prepared and understand both your legal rights and options.

Solo is here to help. If you were served with a Waypoint Resource Group debt collection lawsuit, we have the resources you need to help you engage with Waypoint and take steps to resolve the debt collection matter.

Settle debt with Waypoint Resource Group

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

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Who is Waypoint Resource Group?

Waypoint Resource Group is a legitimate third-party debt collector. Likely, you've never heard of Waypoint Resource Group before. You never borrowed any money from them. Why are they contacting you?

There are two possible reasons. First, the original lender hired Waypoint Resource Group to collect the debt. Waypoint Resource Group gets a commission from the original lender if they succeed.

Second, Waypoint Resource Group may have bought your debt outright. As a collection agency, the company can buy debt from its original lender at a huge discount. We're talking pennies on the dollar. This means that the debt isn't a total loss for the original lender. Additionally, since Waypoint Resource Group bought the debt at such a discounted rate, they can make a significant profit.

  • Phone number: (866) 447-4163
  • Email: collections@waypoint.com
  • Address: 1065 W Levoy Dr, Ste 100, Taylorsville, UT 84123

Respond to debt collection agencies in minutes with Solo.

Who does Waypoint Resource Group collect for?

As a third-party debt collection agency, Waypoint Resource Group markets itself as a “full-service debt collection firm” representing creditors from a diverse range of industries, including healthcare, financial services, telecommunications, municipalities / governments, and commercial collections. Waypoint Resource Group also states that they routinely partner with debt buyers to assist in “expediting” the debt collections process. .

Consumer reviews of Waypoint Resource Group

Looking for information about how consumers felt in their interactions with Waypoint Resource Group? The online reviews below provide some helpful insight:

It’s fair to say the reviews published by consumers about interacting with Waypoint are a mixed bag. Nevertheless, one thing is clear: consumers owing a debt who decide to openly and proactively engage with Waypoint Resource Group to negotiate a debt resolution are more likely to reach one than those who ignore the collection agency. Let’s consider a real review submitted by a borrower named Windy:

“Of course most people are going to leave a bad review...they are debt collectors. I had no idea I had an old debt from Comcast after moving- after I found out it was resolved quickly and with compassion. Great customer service.”

Windy’s review indicates that debt collectors with Waypoint Resource Group are generally open to engaging with you to resolve your debt issue. Here’s the thing - effective and productive communication is key.

Tips on negotiating with Waypoint Resource Group to settle your debt

If you’d like to circumvent going through the exhausting and stressful litigation process, consider engaging with Waypoint Resource Group to negotiate a debt settlement. The information below provides tips on the actions you can take to try and settle your debt:

The first step is to calculate how much you can afford to pay in a lump sum. This calculation needs to consider the amount owed, what you have in the bank, and your other living expenses. For example, if you lack the funds to make a lump sum payment, try to calculate what you could pay in monthly installments.

Next, reach out to Waypoint Resource Group and convey a settlement offer. As a helpful tip, make sure to start the negotiation process by offering a lower percentage of the total amount owed, typically somewhere between 30% and 50% of the original amount. You should also be prepared to go back and forth with the debt collector, which may require negotiating upward. If possible, offer a lump sum payment as creditors are more likely to accept a lower amount if they receive an immediate payment.

If the debt settlement negotiations are productive, make sure to get a written agreement outlining the terms of the debt settlement. This is formally known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full.

To learn more about these debt settlement steps, watch our video guide below:

What can you do when you’re being sued by Waypoint Resource Group?

All debt collection lawsuits have some common language and procedures. To defend yourself, you'll need to brush up on some of your basic “legalese.”

  • Creditor - The party that owns the debt. Also called the plaintiff.
  • Debtor - The party that owes money. Also known as the defendant.

In this case, Waypoint Resource Group is the creditor. That makes you the defendant.

How do debt collection lawsuits work?

If Waypoint Resource Group is suing you, it's time to act. Every debt collection lawsuit starts with one document: the Complaint. If you've already received the Complaint, the clock is already ticking. In most jurisdictions, you must reply within 14-30 days.

In the Complaint, Waypoint Resource Group will tell you how much money you owe. They should also submit documents showing the ownership of the debt, giving them the right to collect it.

You'll need to read the Complaint and draft a reply stating why you don't owe them the money in question.

Use Solo to respond to a complaint fast.

Make your Answer

Wondering how to respond to a Complaint? It can be a little tricky. You need to file a document called an “Answer” with the court. This document will outline your defenses (the reasons you're not responsible for the debt).

Acceptable defenses include:

  • Incorrect loan amount - Third-party debt collectors like Waypoint Resource Group often have incomplete debt records. Double-check the amount of debt listed in the Complaint and compare it to your numbers. You may have made payments that Waypoint Resource Group didn't include.
  • Lack of proof - Waypoint Resource Group needs to show the court that you owe them money. This task requires them to establish a paper trail linking you to their debt. They'll need to present several documents, like your original loan agreement. They also need to show that they can legally pursue your debt. That means either buying your debt from its original owner or collecting it on their behalf.
  • Expired timeframe - Each state has laws governing “statute of limitation.” The statute of limitations acts as an expiration date for court cases. If Waypoint Resource Group filed your case after the statute of limitations expired, the case is invalid. In most jurisdictions, the statute of limitations for debt collection cases are 2-4 years.

Don't bother trying to make excuses in your Answer - they won't work. The court isn't interested in why you can't pay your debt. They're just here to decide if you owe it in the first place.

File an Answer with SoloSuit and settle.

Beware of these possible outcomes if you’ve been sued for debt

What's the best possible outcome of a debt collection lawsuit? You win, of course! If Waypoint Resource Group fails to prove that you owe the debt, the court will rule in your favor.

But if you lose, Waypoint Resource Group has an arsenal of debt-collecting weapons at their disposal. Their two mainstays are court orders called garnishments and liens. These tools help them extract money from debtors.

  • Garnishment - Officially known as a “Writ of Garnishment.” This court order allows a plaintiff to take money directly from a defendant's income. That income may be a paycheck, capital gains, alimony, child support - anything, really. A garnishment continues until the debt has been paid in full, plus interest.
  • Liens - A lien is a claim to a piece of the defendant's property. It can be anything from real estate to cars and heavy equipment. A lien requires the defendant to pay any money that they make from selling that property towards repayment of their debt. For example, if someone places a lien on your house, you can't receive money from selling it before paying off your debt.

Both liens and garnishments are a serious threat to your wealth. They can financially cripple a defendant for years until their debt is finally paid. The best way to avoid these outcomes? Make sure you Answer Waypoint Resource Group's Complaint and reach out to discuss your options for settling the debt.

Settle with SoloSettle

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