5 Steps to Resolve Debt With Equinox Collections

Avoiding Equinox Collections might work temporarily. Eventually, ignoring debt leads to bigger problems.

Equinox Collection Services can file a lawsuit against you. Your wages could be garnished. Your bank account could be drained.

You need to face the issue head-on. Here’s how to resolve your debt with Equinox Collections and move forward.

What Is Equinox Collection Services?

Equinox Collection Services is a debt collection agency founded in 2004. The company operates from Tulsa, Oklahoma.

Here’s how to contact Equinox Collections:

• Address: 10159 E 11th St, Ste 500, Tulsa, OK
• Phone: 866-337-9736
• Other phone: 918-615-0045

Equinox Collection Services also operates under the name NorthStar Technologies. Both names represent the same company. A notice from either company comes from the same debt collector.

Equinox Collection Services Reviews and Complaints

Equinox Collection Services has an A+ BBB rating. The company is not BBB-accredited.

Only two complaints appear on the BBB profile in three years. Both complainants claimed Equinox tried collecting debts they didn’t owe.

No complaints appear under “Equinox Collection Services” in the CFPB database. However, 24 complaints were filed against NorthStar Technologies since 2011.

Consumers reported that NorthStar Technologies:

• Filed lawsuits without proper notification
• Failed to notify consumers of dispute rights
• Attempted to collect paid or invalid debts
• Continued contact after cease requests
• Refused to validate debts

5 Steps to Resolve Your Equinox Collections Debt

Don’t immediately pay what Equinox claims you owe. You might pay more than necessary. You might pay for debt you don’t actually owe.

Follow these five steps instead.

Step 1: Understand Your Legal Rights

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive collection tactics. More importantly, the law gives you powerful rights.

You can demand proof that you owe the debt. If Equinox can’t prove it, you don’t have to pay.

Step 2: Demand Debt Validation From Equinox Collections

You must request verification in writing. Send a Debt Validation Letter to Equinox Collections immediately.

Your letter should request:

• The original creditor’s name
• The exact amount allegedly owed
• A copy of your signed contract with the original creditor
• Proof Equinox is legally authorized to collect this debt
• Equinox’s license number for your state

You only have 30 days from the first notice to request validation. Send your letter immediately after receiving contact from Equinox.

Keep copies of everything you send. Use certified mail with return receipt requested.

Step 3: Pay Validated Debts Promptly

Equinox might not respond to your validation request. No response means the company can’t or won’t prove the debt. You’re likely in the clear.

If Equinox does validate the debt, you must take action. Ignoring a validated debt can lead to a lawsuit. Court judgments result in wage garnishment and bank account levies.

Can’t afford to pay the full amount? Request a payment plan or settlement. Many collectors accept lower payments rather than pursue expensive lawsuits.

Example: Maria receives a letter claiming she owes $500 on an old medical bill. She sends a Debt Validation Letter. Equinox proves the debt is valid. Maria doesn’t have $500 available. She calls Equinox and negotiates a $50 monthly payment for 10 months. She sticks to the plan and pays off the debt within a year.

You can pay Equinox Collections through their online payment portal. Make sure you get written confirmation of any payment arrangement first.

Never provide bank account access without a written agreement. Get every promise in writing before making payments.

Step 4: Respond to Lawsuits Before Your Deadline

Equinox Collections might sue you if you don’t resolve the debt. You’ll receive a summons and complaint.

Your response deadline is critical. Most states require an Answer within 20-30 days. Missing this deadline results in a default judgment against you.

Default judgments lead to wage garnishment and bank levies. Courts can seize money from your paycheck or bank account.

You must file an Answer with the court. Your Answer responds to each allegation in the complaint. Our partner Solo can help you draft and file your Answer correctly.

Don’t ignore a lawsuit from Equinox Collections. Responding protects your rights and prevents automatic judgment.

Step 5: Negotiate a Settlement With Equinox

Lawsuits cost time and money for both parties. Equinox Collection Services often prefers settlement over litigation.

Settlement means paying less than the full amount owed. In exchange, Equinox drops the lawsuit or stops collection efforts.

You don’t need an attorney to negotiate. Our partner Solo can negotiate directly with Equinox on your behalf. Many consumers settle debts for 40-60% of the original amount.

Get any settlement agreement in writing before paying. The agreement should state the settlement amount and confirm the debt will be marked as satisfied.

Take Action Against Your Equinox Collections Debt Today

Dealing with debt feels overwhelming. Facing your debt now prevents worse problems later.

You have rights under federal law. Equinox Collections must follow strict rules when collecting debt.

Start by sending a Debt Validation Letter. Demand proof before paying anything. Negotiate payment terms you can actually afford.

If you’re facing a lawsuit, respond before your deadline expires. Settling the debt often costs less than the original amount.

You don’t have to navigate debt collection alone. Take the first step toward resolving your Equinox Collections debt today.