P&B Capital Group Debt Settlement Guide | Beat Lawsuit

Getting sued for debt is serious business. You need to understand what you’re facing and how to handle it. Debt lawsuits can drain your bank account through wage garnishment and frozen accounts.

P&B Capital Group has filed a lawsuit against you. You’re wondering if they’re legitimate and how to respond. Here’s everything you need to know about settling debt with P&B Capital Group.

P&B Capital Group Sued You? Respond Before the Deadline

Don't let P&B Capital win by default. File your Answer now and negotiate a settlement before they garnish your wages. Our partner Solo makes responding to debt lawsuits simple and affordable.

Answer P&B Lawsuit

What Is P&B Capital Group?

P&B Capital Group, LLC is a third-party collection agency based in New York. The company is legitimate and operates within the debt collection industry. Understanding your rights before responding is critical to protecting yourself.

Who Does P&B Capital Group Collect For?

P&B Capital Group collects for credit card companies and loan providers. They handle personal loans, auto loans, and credit card debt. Their website states they understand that unforeseen circumstances can leave finances in turmoil. P&B offers consumer resolution services in addition to collections.

Negotiate With P&B Capital Group to Settle Your Debt

You can avoid the stress of litigation by negotiating a settlement. P&B Capital Group often accepts less than the full balance. A reasonable lump sum offer can work in your favor.

You received a Summons and Complaint for a debt collection lawsuit. Now is the time to act, not hide. Taking proactive steps can get P&B off your back. You might settle for significantly less than you owe.

The debt settlement process follows these steps:

Respond to the lawsuit filed by P&B Capital Group. Filing a timely Answer prevents a default judgment against you.
Calculate how much you can afford to pay. Review your finances, living expenses, and the debt balance.
Send your settlement offer to P&B Capital Group. They might not accept immediately, which is normal. Prepare for multiple rounds of negotiation.
Get the settlement terms in writing if you reach an agreement. Keep copies of all documents.

You can start negotiations with our partner Solo. They make the settlement process straightforward and manageable. Always honor your part of any agreement you reach.

Read P&B Capital Group Reviews Before Negotiating

Other consumers have shared their experiences with P&B Capital Group. Checking these reviews gives you negotiation intel and expectations.

Online reviews for P&B Capital Group show mixed results. Some are positive, others not so much. Many reviews demonstrate that productive discussions with P&B are possible.

One borrower named Molly shared her experience:

“I called P&B Capital Group and spoke with Richard regarding my credit card debt. He was both kind and courteous and assisted me with removing it from my credit report. P&B was several steps above any other debt settlement companies I have dealt with in the past.”

Molly’s review highlights an important truth. Proactively contacting debt collectors improves your odds of resolving debt issues. Effective communication matters more than you think.

FDCPA Violations You Should Know About

The Fair Debt Collection Practices Act protects you from abusive collection tactics. Knowing these protections helps you identify violations and fight back.

Harassment and Abuse

Debt collectors cannot harass or abuse you during collection attempts. Prohibited behavior includes:

Threatening violence or criminal behavior if you don’t pay
Using profane or obscene language
Publicizing your debts to anyone except your spouse
Threatening to sell the debt if you don’t pay
Lying about the debt amount or status

Contacting You at Inconvenient Times

Debt collectors can only call between 8am and 9pm your local time. They cannot call you at work if your employer prohibits it. Continuing to call after you’ve said it’s not allowed violates the FDCPA.

Text Messages and Emails

Debt collectors can send texts and emails with restrictions. They must provide opt-out instructions with every message. If you text “STOP,” they must comply immediately.

Deceptive and Unfair Practices

The FDCPA prohibits deceptive and unfair collection practices. Deceptive practices include:

False representations about your debt amount
False claims about the legal status of your debt
False threats to take legal action
Any deceit to pressure you into paying

Unfair practices include calling you collect to force payment. Requiring you to pay additional money beyond the debt violates the FDCPA.

Other Important Violations

FDCPA rules limit how collectors interact with people you know. They can call friends or family for your contact information. They cannot reveal why they’re calling or harass your contacts.

If a debt collector knows you have an attorney, they must contact your lawyer. Collectors cannot cash post-dated checks before the written date. They must provide three days’ notice before cashing any check.

Sue Debt Collectors for Harassment

You can file a counterclaim if collectors violated your rights. Federal laws let you seek monetary damages for violations. The FDCPA allows you to recover up to $1,000 per violation. You can also recover attorney fees and court costs.

Do You Have a Case Against P&B Capital Group?

You might have a case if you receive multiple calls per week. Early morning or late night calls strengthen your case. Calls to your workplace, family, friends, or neighbors indicate violations.

Threats of violence, arrest, or negative credit reporting are clear violations. Attempts to collect more than you owe also violate the FDCPA. You should document all communication from P&B Capital Group.

Respond to Your P&B Capital Lawsuit by Filing an Answer

P&B Capital Group sent you a court Summons and Complaint. The Summons officially notifies you of the lawsuit. The Complaint lists all allegations P&B is making against you.

Your first step is filing a written Answer with the court. You don’t need an expensive attorney for this step. Our partner Solo helps you represent yourself and win in court.

Here are six tips for drafting a winning Answer:

Don’t tell your side of the story in the Answer. Elaborate explanations can harm your case. The burden of proof is on P&B Capital right now. You just need to respond to each allegation.
Deny most allegations in the Complaint. Denying forces P&B Capital to prove their case. Most attorneys recommend this approach.
Use standard professional formatting throughout your Answer. Include proper font, margins, and spacing. Begin with a caption containing the court name and case number.
Assert your affirmative defenses in a separate section. Raise facts showing P&B doesn’t have a valid case. Examples include statute of limitations, incorrect amounts, or harassment.
Include a Certificate of Service near the end. State that you sent the Answer to the plaintiff’s attorney. Include the exact mailing address and your signature.
Sign the Answer document before filing. Some courts don’t accept electronic signatures. Check your court’s requirements before submitting.

File the original Answer with the court after drafting it. Send a copy to the attorney representing P&B Capital Group. Use USPS certified mail for proof of delivery.

Frequently Asked Questions

What is P&B Capital Group and are they legitimate?

P&B Capital Group, LLC is a legitimate third-party debt collection agency based in New York. They collect debts for credit card companies, personal loan providers, and auto loan companies. While they are a real company, you still have rights under the FDCPA that protect you from harassment and unfair collection practices.

How do I settle my debt with P&B Capital Group?

Start by calculating how much you can afford to pay based on your finances and living expenses. Send P&B Capital a written settlement offer, typically a lump sum for less than the full balance. Expect multiple rounds of negotiation before reaching an agreement. Always get the final settlement terms in writing before making any payment.

Can I sue P&B Capital Group for FDCPA violations?

Yes, you can file a counterclaim if P&B Capital violated the Fair Debt Collection Practices Act. The FDCPA allows you to recover up to $1,000 per violation plus attorney fees and court costs. Violations include harassment, calling at prohibited times, contacting your workplace or family members inappropriately, making threats, or using deceptive practices.

What happens if I don't respond to a P&B Capital lawsuit?

Failing to respond to a P&B Capital lawsuit results in a default judgment against you. Once they have a judgment, P&B Capital can garnish your wages, freeze your bank accounts, and take funds directly from your account. You must file a written Answer with the court before the deadline stated in your Summons to avoid this outcome.

How do I file an Answer to a P&B Capital Group lawsuit?

Draft a written Answer that responds to each allegation in the Complaint, typically by denying them to force P&B to prove their case. Include affirmative defenses such as statute of limitations or incorrect debt amounts. Use standard formatting with proper margins and include a Certificate of Service. File the original with the court and send a copy to P&B Capital's attorney via certified mail.

How to Settle Debt With P&B Capital Group