Start My Answer

Why is Sentry Credit Calling Me?

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: Sentry Credit is calling because you either owe a debt, or they think you owe a debt. If you are receiving repeated phone calls from Sentry Credit, insist that they prove the debt is valid. If it is, you can use SoloSettle to resolve it through debt settlement and stop further collection calls.

If you’re like most people, you don’t answer phone calls from numbers you don’t recognize. But if you received a voicemail that identified the caller as Sentry Credit, Inc., you might have an outstanding debt.

The good news is that you can stop these unwanted phone calls by addressing your debt once and for all. Here’s how to respond to phone calls from Sentry Credit.

Sued for debt? Settle it.

Settle with SoloSettle

Make an Offer

What is Sentry Credit?

Sentry Credit, Inc. is a debt collection agency based out of Everett, Washington. The company should not be confused with Sentry Credit Union, which is a credit union and wholly unconnected with Sentry Credit, Inc.

Who does Sentry Credit collect for?

Sentry Credit collects for companies that deal with a variety of consumer debts, including credit cards, student loans, medical services, banks, and more.

If you’ve been contacted by Sentry Credit, it’s because the company has purchased unpaid debt from another creditor, or your original creditor has hired them to collect. The reason they’re calling is to recoup their losses by getting you to pay off your debt.

How to report Sentry Credit scam concerns

Is Sentry Credit legitimate? Yes. The company is accredited by the Better Business Bureau (BBB) with an A+ rating. However, the company also has hundreds of customer complaints listed on the BBB website and the Consumer Financial Protection Bureau (CFPB) complaint database.

If you need to contact Sentry Credit for any reason, you can use the contact form on the company website or call toll-free at 800-608-2581. You can also contact the Sentry Credit Inc’s Compliance Team at (855) 740-3400 or at Compliance@sentrycredit.com.

If you’ve been summoned for a lawsuit, use these tips to respond quickly:

Follow these steps when Sentry Credit calls you

Don’t ignore phone calls from Sentry Credit. The company may escalate matters and actually sue you over unpaid debt. Instead, take steps to verify that the debt is yours, then assert your rights to protect yourself from repeated phone calls.

1. Report harassing phone calls

First, you don’t have to put up with harassing phone calls. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from practices that include the following:

  • Calling you early in the morning (before 8 a.m.).
  • Calling you late at night (after 9 p.m.).
  • Calling you multiple times per day.
  • Using vulgar or threatening language.
  • Threatening you with arrest for unpaid debt.
  • Contacting your coworkers, family members, or friends about your debt.
  • Ignoring a Cease and Desist letter.
  • Refusing to validate your debt.
  • Failing to identify themselves as a debt collector.

If Sentry Credit violates your rights, you can report them directly to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. Or report Sentry Credit to the Consumer Financial Protection Bureau by calling 855-411-2372 or through the CFPB’s website.

2. Ask Sentry Credit to validate your debt

Before you decide what to do next, make sure that the debt is yours. Never admit to the debt until Sentry Credit, Inc. can provide evidence that shows:

  • The name of the original creditor.
  • The amount of the original debt.
  • The date you incurred the debt.
  • The date of the last payment (if applicable).
  • The amount of debt remaining.
  • The evidence that connects you to the debt.

If Sentry Credit is unable to prove that the debt is yours, you have a stronger chance of winning a court case. Otherwise, your best option is to negotiate a debt settlement to move on as quickly as possible.

Send a Debt Validation Letter to Sentry Credit.

Respond to a debt collection lawsuit

What happens if the Sentry Credit, Inc. debt is valid? You might get sued over unpaid debt. If you get sued, you need to act fast and respond to the lawsuit before your state’s deadline. Some jurisdictions only give you two weeks to respond to the lawsuit. If you don’t file a legal Answer in this window, the court could issue a default judgment in favor of Sentry Credit.

SoloSuit can help you draft your response. Just use the online tool to create your legal Answer. SoloSuit can also have an attorney review the finished document and even file it on your behalf.

Draft and file your Answer before time expires.

Settle your debt with Sentry Credit, Inc.

Assuming that Sentry Credit can prove the debt is yours, the most direct way to stop the company’s phone calls is by settling your debt for a lower amount—also known as debt settlement.

Debt settlement is when you negotiate to pay less than what you owe to your creditors, and they agree to accept it as full payment. As a general rule, it’s best to open negotiations by agreeing to pay 60% of the original debt. Your first offer may not be accepted — and that’s okay.

The point is for you and the company to negotiate until you reach a number that satisfies both parties. You won’t have to pay anything until you reach an official agreement. But how do you start negotiating? SoloSettle provides a convenient way.

Using this online tool, you’ll never have to deal directly with Sentry Credit. Instead, you’ll use the platform to negotiate a settlement that works for both you and the debt collection company.

Let’s see how this works by looking at an example.

Example: Trevor had been receiving phone calls from Sentry Credit, Inc. At first he wasn’t sure the phone calls were legit, but the voicemails indicated that he owed a credit card debt. Eventually, Trevor received a notice that he was being sued for the debt. Rather than deal with the company directly, Trevor used SoloSettle to respond to the lawusit and start the negotiation process. In a very short time, Trevor was able to negotiate a lower settlement. As a result, he was able to settle his debt for less than what he originally owed — and put a stop to the repeated phone calls.


Start using SoloSettle to resolve your debt for less than you currently owe.

Stop debt collection phone calls

The surest way to stop debt collection phone calls is to pay your debt. SoloSettle provides an easy means to do exactly that, allowing you to resolve debt for less than what you originally owed.

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


Contents