Debt buyer
You are being sued by Credit Corp Solutions
Credit Corp Solutions buys charged-off consumer accounts and often attempts to settle before a hearing. Its cases regularly turn on whether the itemization of the balance matches the last statement the bank issued.
Also appears as: Tasman Credit, Credit Corp Group
The deadline is the only thing that is urgent today
Your summons states how many days you have to file a written response, generally 14 to 35 days from the date you were served. If that date passes without a filing, Credit Corp Solutions can ask the clerk for a default judgment and win without producing any document at all. Everything else can wait until after your Answer is filed.
Where their paperwork usually falls short
- Balance that does not match the last billing statement
- Post-charge-off interest or fees with no contractual basis shown
- Account schedule missing from the sale documents
Defenses commonly raised in these cases
- Amount claimed is unverified
- Lack of standing / no proof of assignment
- Statute of limitations
Raise the defenses that match your facts. The toolkit explains each one and when it applies before you select it.
Who usually files these cases
Local collection counsel. The name of the law firm on your papers is not the plaintiff. The plaintiff is the company listed in the caption, and it is the plaintiff that has to prove ownership of your account.
Your next four steps
- 1Write the date you were served on the first page and calculate your deadline.
- 2File a written Answer with the clerk of the court named on the summons, and mail a copy to the plaintiff's attorney with a certificate of service.
- 3Serve discovery asking Credit Corp Solutions for the bill of sale and the account-level schedule naming your account number.
- 4Calendar the response deadline and keep copies of everything you send and receive.
Sued by someone else?
Educational information and document preparation only. Make Them Prove It is not a law firm and does not give legal advice. Rules and deadlines differ by state and by court, so confirm them with your court clerk or a licensed attorney in your state.