How to Resolve Debt With Choice Recovery Inc

Choice Recovery Inc is a legitimate third-party debt collection agency. They buy bad debt for pennies on the dollar and expect full payment from you. For example, they could pay $5 for a discharged account that owes $1,000 to the original creditor. Despite paying $5, they want the full $1,000 from you.

You may wonder if this is even possible. The answer is simple: yes, it is. There are thousands of examples like this in US courts every day.

If Choice Recovery is contacting you about a debt, do not despair. You have legal rights and options to resolve the debt collection matter. You can proactively engage with Choice Recovery and possibly negotiate an amicable debt settlement. Our partner Solo can help you respond and take proactive steps to resolve your debt issue.

What is Choice Recovery Inc?

Choice Recovery Inc. is a collection agency founded in Columbus, Ohio over 25 years ago. The company operates nationwide and specializes in consumer debt collection.

Below is Choice Recovery Inc phone number, address, and contact information:

• Phone number: 866-300-5590
• Address: 1105 Schrock Rd Ste 700, Columbus, OH 43229-1168
• Website: https://www.choicerecovery.com

Who Does Choice Recovery Inc Collect For?

Choice Recovery Inc. specializes in consumer debt collection services across several industries. They collect for companies in healthcare, dental, property management, higher education, and financial sectors.

You may receive a collection notice from Choice Recovery if you owe unpaid taxes or medical debt. You probably won’t recognize the name “Choice Recovery” when they reach out to you about a debt. The company likely purchased your old debt from the original creditor and now has the rights to collect on it.

Read Choice Recovery Reviews Online

Want to find out what consumers say about their experience with Choice Recovery? Take a moment to read reviews on Google and the Better Business Bureau.

Despite Choice Recovery’s online reviews being pretty mixed, you should not be deterred from taking steps to engage with them. Many debt collectors, including Choice Recovery, are open to working with individuals to resolve their concerns. They often accept payment arrangements based on your current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound appealing, our partner Solo can help you negotiate online and resolve your debt through a digital settlement platform.

Know Your Rights Under the FDCPA

Debt collectors can be unpleasant, but their actions should not cause sleepless nights. Having a debt in collections doesn’t mean you have to deal with harassment. If you feel a debt collector has crossed the line, you have rights and can do something about it.

The Fair Debt Collection Practices Act (FDCPA) protects you from the following debt collection practices:

• Incessant or inconvenient calls (before 8 am or after 9 pm)
• Discussing your debt with anyone else apart from your attorney or spouse
• Using obscene or profane language
• Threatening legal action if they don’t intend to follow through
• Lying about their identity or giving inaccurate information about the debt

The first time Choice Recovery collectors contact you, send them a Debt Validation Letter. When you submit a formal request for debt validation, you can avoid being taken to court over a debt you don’t owe.

Respond to a Debt Collection Lawsuit Against Choice Recovery Inc

A debt collection agency like Choice Recovery will send you a Summons and Complaint in the mail to initiate a lawsuit. The Summons notifies you of the case while the Complaint lists the claims made against you.

Depending on where you live, you have between 14-35 days to respond to a debt collection lawsuit. If you fail to respond within the deadline, Choice Recovery Inc might file a motion for default judgment. If the court grants this motion, you automatically lose the case. They can garnish your wages or put a lien on your property.

To avoid a negative outcome, you must respond to the lawsuit immediately with a written Answer. Our partner Solo can help you respond to Choice Recovery’s lawsuit and protect your rights.

Follow these three steps to respond to your case against Choice Recovery:

1. Answer each of the claims in the Complaint
2. Make and assert your affirmative defenses
3. File your Answer in court and send a copy to Choice Recovery Inc

Answer Each of the Claims in the Complaint

A Complaint describes each claim Choice Recovery Inc brings against you. Your Answer document should begin with a list of responses to each claim. The responses to the Complaint include:

• Admit: In other words, “It’s true.”
• Deny: In other words, “Prove it.”
• Deny due to lack of knowledge: In other words, “I do not know.”

Attorneys recommend denying all claims when appropriate. The move puts you in an advantageous position since Choice Recovery Inc is required to prove its case. Without all the evidence they need to present, they might dismiss the case.

Make and Assert Your Affirmative Defenses

Next, you should assert your affirmative defenses in your Answer document. In affirmative defense, you state facts to negate Choice Recovery’s claims. In other words, you give any legal reason why Choice Recovery Inc. should lose the case.

One of the most common affirmative defenses you can use against debt collectors is the expired statute of limitations on the debt.

What is the Statute of Limitations?

Statutes of limitations determine how long creditors and debt collectors can sue you for debts. All states have unique rules, but the statute of limitations on credit card debt is usually between four and six years. The clock on the statute of limitations starts on the last day you were active on the debt account.

But if you increase your debt or make a payment to the account, the statute of limitations timeline starts over. Before you make any payments to a debt collector, check your state’s laws on the statute of limitations. You run the risk of resetting the clock and giving Choice Recovery the power to sue you again.

Consider an example: Choice Recovery purchased Jonathan’s old credit card debt and is now suing him in Indiana. The debt was from many years ago. After investigating, Jonathan finds out that Indiana’s statute of limitations on credit card debt is six years. Jonathan hasn’t been active on the account for almost seven years. Choice Recovery does not have the legal right to sue. Jonathan uses our partner’s service to draft and file an Answer into the case, stating that the statute of limitations has expired. After a few months, Jonathan is pleased to hear that the case has been dismissed.

File Your Answer in Court and Send a Copy to Choice Recovery Inc

After drafting your Answer document, file it with the court before the deadline. Depending on the court’s guidelines, you can file it in person, by mail, or electronically.

Make a copy of the Answer document and send it to Choice Recovery’s attorneys. The court Summons you received should have their address on it. Send a copy of the Answer by certified USPS mail with a return receipt.

Settle Your Debt With Choice Recovery Inc

You might consider negotiating a debt settlement offer if you know you owe the debt and can pay some off. Buying old debts for pennies is what Choice Recovery Inc. does. They may be willing to settle the debt for less than the full amount you owe.

Below are three steps you should consider taking to try and negotiate a debt settlement:

Step 1: Figure Out How Much You Can Reasonably Pay Toward the Balance

Before initiating settlement negotiations, determine how much you can actually afford to pay in a lump sum. Your calculation should take into consideration your other living expenses. If you don’t have sufficient funds to make a lump sum payment, calculate what you could pay in installments.

Step 2: Engage in Settlement Negotiations

Once you’ve figured out how much you can repay, try to negotiate a settlement. Start by offering a lower percentage of the total debt, typically 30% to 50% of the original amount. Be prepared to negotiate upward. If possible, offer a lump sum payment as creditors are more likely to accept a lower amount if they receive immediate payment.

Step 3: Get the Debt Settlement Agreement in Writing

Before making a payment toward the debt, ensure you receive a written agreement outlining the terms of the settlement. The agreement is known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full. They will not pursue any further legal action or collections.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process. Our partner Solo can help you begin the settlement negotiation process online when you are sued for a debt you owe.