Start My Answer

How to Win When Sued by Pharia LLC

George Simons | December 07, 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: How are you going to win when sued by Pharia LLC? Trust SoloSuit to guide you through the debt collection process.

When you get sued by Pharia LLC, one question comes to mind: How can you win? Your lawsuit may have blindsided you. You're caught off-guard, and you don't know what to do.

Relax, we're here for you. If you have questions about your case, we've collected all of the information you'll need to fight back against Pharia LLC.

Who is Pharia LLC?

In the Art of War, Sun Tsu stresses the importance of “knowing your enemy.” In this debt collection lawsuit, your enemy is Pharia LLC.

There is about $14 trillion of consumer debt (like credit cards and some personal loans) in the US, making debt collection a massive industry. Pharia, LLC is a debt collection agency that works within this industry. They deal specifically with debt from car loans.

Pharia, LLC's name may not sound familiar to you. That's because this is probably the first time you've heard of them. Pharia, LLC doesn't lend money itself. Instead, the company buys debt from lenders who don't want to collect it themselves. They bought your debt, and now they're coming to collect it.

Respond to debt collectors in 15 minutes with SoloSuit.

Learn All You Need to Know About Debt Collection Lawsuits

A lawsuit is one way collection agencies can pursue a debt. However, they're also one of the most expensive. Debt collection lawsuits are usually reserved for clients who are difficult to find or refuse to pay. Below, we'll cover some language that applies to any debt collection case.

Familiarize Yourself With These Important Debt Collection Lawsuit Terms

  • Complaint - A Complaint initiates a lawsuit. It's a document that outlines the plaintiff's case against the defendant. In the Complaint, the plaintiff needs to present evidence to support their case.
  • Service - “Service” essentially means “proof of delivery.” In court cases, parties need to prove that they delivered documents to other parties. When you received your Complaint, it was served to you.
  • Creditor/Plaintiff - The party that initiates the court case. A plaintiff is asking the court to hear their case because they have been somehow wronged. In debt collection cases, the plaintiff is a creditor.
  • Debtor/Defendant - The party who allegedly owes money to the creditor. In your debt collection lawsuit against Pharia, LLC, you are the defendant.
  • Answer - A defendant's response to the plaintiff's accusations in the Complaint. In your answer, you'll tell the court why you are not responsible for paying Pharia, LLC.

Now that you understand some of the legalese involved in debt collection suits, we can look at how they work.

Use SoloSuit to file an Answer fast and win in court.

Know the Debt Collection Lawsuit Process

A debt collection lawsuit begins when the plaintiff serves the complaint to the defendant. Once that happens, it's go-time. In most jurisdictions, you only have between 14 and 30 days to reply with your Answer.

Thus, your first order of business will be to draft and file an Answer. In your Answer, you have the chance to tell the court why you're not responsible for the debt in question. The court will only accept a few specific reasons for your innocence. These reasons are called “defenses,” and include several tactics.

  • Lack of evidence - Pharia LLC has to prove you owe them money, not the other way around. That means they must show the court a clear paper trail tracking the debt back to its origin. If they don't have your original debt agreement or paperwork showing they purchased the debt, the court may throw out your case.
  • Incorrect debt amount - Have you already paid off some of your debt, but Pharia LLC's Complaint doesn't reflect it? Sometimes, debt collectors don't do the math before filing a Complaint. If you don't owe the full amount listed in your Complaint, submit documentation proving your payments.
  • Statute of limitations - Debt collectors can't just enforce age-old debts. “Statute of limitations” is essentially legalese for “cutoff date.” If Pharia LLC didn't file their Complaint before this cutoff date, they no longer have a right to sue you. Each state has laws establishing a statute of limitations for debt collection cases.

Pick the right affirmative defense with SoloSuit.

The court will only see these reasons as legitimate reasons for non-payment of debt. Your Answer can't contain reasons you didn't pay your debt or a promise to do so in the future. You must prove one (not all) of these court-accepted defenses.

Make sure you file your Answer within the court-appointed timeline in your jurisdiction. If you don't, Pharia LLC will automatically win the case against you. That's bad news.

Be Prepared for Your Debt Collection Lawsuit's Outcome

The vast majority of debt collection cases never get past a Complaint. Most defendants ignore the case against them and lose by default.

If Pharia LLC wins their case, they can begin pursuing your income and assets. One of the most common tools they use to do this is called garnishment.

In everyday English, a garnishment is a delightful edible addition to a food dish. Chefs may use garnishments to enhance flavor or make the colors of a dish “pop.”

In legalese, garnishments are a different animal. They're a court order to take a portion of any income you make. Creditors can garnish paychecks, alimony, child support - basically any source of income.

Don't let either of these outcomes happen to you. Make sure to respond with your Answer within the court-appointed time frame!

Beat Pharia LLC in Court

Ok, so you've determined that it's important to Answer Pharia LLC's Complaint. But how do you proceed? Contrary to popular belief, you don't need a lawyer to win a debt collection case. You can successfully represent yourself - and many people do. It won't be easy, and you'll need a guide.

Start with SoloSuit. An easy 15-minute questionnaire is all it takes to generate your personalized Answer. It's completely free, with no hidden fees or costs. Our on-staff attorneys will review your paperwork for errors and file it with the court for you. Don't let Pharia LLC get away with your money. Get on the path to your financial freedom.

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.

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

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


Start My Answer


>>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


Start My Answer

Contents