Debt Collection: Answering Debt Collection Lawsuit and Validating/Disputing Debt

Written by Ascend Team
Updated May 16th, 2024
The information provided in this article does not, and is not intended to, constitute legal or financial advice; instead, all information, content, and materials available in this article are for general informational purposes only. This article may contain links that help support this website.

You have rights as a consumer if a debt collector is contacting you and/or you are facing a debt collection lawsuit. At Ascend, our goal is to help people understand their options to get out of debt cheaper easier and faster. Here's what we cover in this article:

1. Answer Debt Collection Lawsuit (Free Letter Generation)
2. Answer Debt Collection Lawsuit (Letter Generation, Filing Fee Calculation, Mail and Files Document (1-8 days) + Status Updates) 
3. Answer Debt Collection Lawsuit (Letter Generation, Filing Fee Calculation, Mail and Files Document (1-8 days) + Status Updates + Attorney Review)
4. Validate And/Or Dispute Your Debt (Free Letter Generation)
5. What is Ascend? See Our Heart and Mission to Help You

1. Answer Debt Collection Lawsuit 

We built the free debt collection answer generator below that will generate an example lawsuit answer response, but please use at your own risk. 

We are not a law firm, and we do not provide legal advice.

In addition, we do not guarantee any results. We built this because we believe the template should work, but we do not guarantee that it works. 

2. Answer Debt Collection Lawsuit (Document filing)

If you are looking for a service that has been tried and tested, then we partnered with an amazing company that does the following for a small fee.

The standard package includes:
  1. Creation of response document
  2. PDF download
  3. Filing fee calculation
  4. Document filing (1-8 days)
  5. Status updates
I personally know the co-founder and call him a friend. In addition, Solosuit has a 4.7 rating on Google based on 579 reviews.

Check Price on Solosuit

3. Answer Debt Collection Lawsuit (Document filing + Attorney Review)

Solosuit also provides a premium product that offers an attorney review for an additional fee.

This package includes:
  1. Attorney Review
  2. Creation of response document
  3. PDF download
  4. Filing fee calculation
  5. Document filing (1-8 days)
  6. Status updates
Again, this means that an attorney is reviewing the document that you created through Solosuit

Check Price on Solosuit

4. Debt Validation And/Or Dispute

As a consumer, you have the right to DEMAND the debt collector validate their debts under 15 U.S. Code § 1692g - Validation of debts. Here's a portion of the specific language:If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

As such, we built this letter generator below that can: 1. Dispute and demand validation of the debt. 2. Request that all communications stop to you (if desired).

Let me share a little bit about Ascend, and our mission.

5. What Is Ascend? 

We help people ascend above their DEBT in a way that is CHEAPER, EASIER, and FASTER whether that is through holistically comparing debt relief options (debt settlement, bankruptcy,etc.) , increasing income through side hustle stacking or prioritizing debt payoff faster via the Savvy debt payoff planner. We pride ourselves in caring about people, and we love reading our Google reviews about how Ascend has made an impact on peoples' lives.

As a young boy, I watched my family deal with a great deal of stress from unsecured debt. This forced us to live paycheck to paycheck. I didn't know how to deal with it. I put $10 I had earned from my paper route in an envelope and gave it to my mother, hoping it would bring relief; instead, it brought tears.

As I grew up, I mistakenly thought that I needed to become wealthy to prevent this from happening to my own family. I didn't focus on the root issue, which is that very few people learn how to save and spend money effectively. In addition to the lack of education, the taboo around 'money talk' and subsequent lack of conversations created strife in my personal relationships as a result of different expectations around money saving and spending. In order to tackle these issues, I realized the power of utilizing data to not only help people get out of debt, but also help them stay out of debt through money management techniques.

And so, Ascend was built.

If you have debt, consider taking our get-out-of-debt options calculator below. It's 100% free, and not even an email address is required unless you'd like some personalized insights to your options.