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What is Valley Servicing?

Sarah Edwards | November 09, 2023

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: Valley Servicing is a financial services provider that focuses on withholding money from your paychecks to pay off outstanding debts. Thankfully, a company can only do this with your permission or a court order. If you’ve been sued, use SoloSuit to respond to the lawsuit — then use SoloSettle to negotiate a lower settlement amount.

Some debt collectors operate with a very specific strategy. If you’ve been contacted by Valley Servicing, it may be asking to withhold a percentage of your wages to pay off a previous loan.

The good news is that no one can withhold your wages without your permission or without a lawsuit. But if you have unresolved debt, your best option is to resolve it as quickly as possible. SoloSuit can help.

What is Valley Servicing?

According to the company website, Valley Servicing is a third-party servicer, operated by Wakpamni Lake Community Corporation of the Oglala Sioux Tribe, that arranges voluntary wage assignment earnings authorized by borrowers.

These arrangements are flexible and can be changed or canceled by the borrowers at any time, in line with the relevant federal and tribal laws.

Valley Servicing makes a distinction between wage assignment and wage garnishment. While wage garnishment can only occur by court order, wage assignment is a voluntary arrangement in which a debtor allows Valley Servicing to deduct an amount from their wages to pay off a debt to a third party.

Is Valley Servicing legitimate?

Valley Servicing is a legitimate tribal-licensed business. However, the company’s Google reviews include complaints that representatives acted unfairly and unprofessionally, which highlights the importance of knowing your rights before agreeing to any payments.

Valley Servicing reviews

Valley Servicing has a Google review rating of 2.1 stars out of 5. Check out some example reviews below:

Perhaps because it narrowly operates within a reservation, Valley Servicing does not have a profile in the Better Business Bureau or Consumer Financial Protection Bureau (CFPB) databases.

Contact Valley Servicing

Should you need to contact Valley Servicing, you can reach it by mail at P.O. Box 637, 333 South Main Street, Blanding, UT 84511. You can also reach representatives by phone at 1-800-943-0692 during business hours (6 a.m. to 2 p.m. PST).

Note that Valley Servicing's website lists #1 Wakpamni Lake Housing, Batesland, South Dakota 57716 as the company's principal place of business and office.

How do I respond to Valley Servicing debt collectors?

If you’ve been contacted by a representative from Valley Servicing, it’s important to understand your rights and ensure that the debt is legitimate.

Know your rights

No debt collector can violate your rights as specified in the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits debt collectors from practices that include:

  • Contacting you more than once per day.
  • Calling you prior to 8 a.m. or after 9 p.m.
  • Failing to identify themselves as a debt collector.
  • Threatening you with arrest for unresolved debt.
  • Continuing to contact you despite receiving a Cease and Desist Letter.
  • Declining to validate your debt.
  • Speaking to your friends, family members, or coworkers about your debt.
  • Using vulgar or offensive language.

You can report violations to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You may also report Valley Servicing to the Consumer Financial Protection Bureau through the CFPB’s website or by calling 855-411-2372.

SoloSuit can help you request that Valley Servicing prove that the debt is yours.

Can Valley Servicing garnish my wages?

Valley Servicing conducts voluntary wage assignment, not wage garnishment. If you’ve been contacted by Valley Servicing, it’s because the company hopes to convince you to pay off debt by allocating a portion of your paycheck.

Wage garnishment requires a court order, and it’s not clear whether Valley Servicing would take legal action against a debtor to obtain this court order. But never enter into a wage assignment plan until you verify your debt and consider a lower settlement amount.

Verify your debt before making payments to Valley Servicing

Before you make any payment, make sure that the debt is truly yours. Request that Valley Servicing send you information that connects you to the debt by:

  • Naming your original creditor.
  • Documenting the original debt amount.
  • Listing any previous payments (if any).
  • Calculating the remaining debt.
  • Providing clear evidence that the debt is yours.

Under the FDCPA, a debt collector must prove that the debt is yours. Requesting validation may cause the collector to back off, and if Valley Services cannot prove the debt is yours, you stand a better chance of winning a court case.

Still have questions? The following video explains more about the debt validation process:

Resolve your debt with Valley Servicing once and for all

If the debt in question is 100% yours, your best option is to settle your debt for less. Valley Servicing may still pressure you to adopt a wage assignment plan where a percentage of your wages are withheld until your debt is paid. But before you agree to any such plan, make an attempt to reduce your total debt.

SoloSettle is an easy-to-use tool designed to help you negotiate a lower settlement. Best of all, while using the platform, you won’t have to interact directly with Valley Servicing. Instead, you’ll use the interface to negotiate a lower settlement and only pay once you arrive at a mutually agreeable solution.

Start by agreeing to pay 60% of the original debt. At the very least, this will open the door to further negotiation. Valley Services may reject this offer, but you can continue negotiating until you both find a number you agree on.

Let’s look at an example.

Example: Allison received an email from Valley Servicing. She wasn’t quite sure what it meant at first, but it became clear that the company was trying to withhold money from her paychecks to pay off a debt. Allison wasn’t willing to do this, at least not for the amount in question. After verifying her debt with a Debt Validation Letter, Allison used SoloSettle to negotiate a lower settlement amount. Now, Allison is working to repay the debt for less than what Valley Servicing had originally claimed.


Start negotiating today to resolve debt quickly with SoloSettle.

Put debt behind you

Living with debt isn’t easy. But you can put it behind you by negotiating a lower settlement amount. By asserting your rights, you can avoid a costly lawsuit, and SoloSettle can provide a path toward a manageable settlement amount.

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