Sued by Paragon Revenue Group? Here’s How to Settle Your Debt

Getting calls from debt collectors triggers immediate stress. You worry about your credit score, your financial future, and what happens next.

You need a clear plan. Paragon Revenue Group believes you owe them money. Your goal is simple: stop the calls and protect your credit.

You have three paths forward. First, if the debt is yours and you can pay, settle it quickly. Second, if you don’t recognize the account, demand proof. Third, if you owe but can’t afford full payment, negotiate a settlement for less.

Ignoring collectors never works. Our partner Solo helps you take that critical first step. You can communicate effectively and resolve your debt on your terms.

Who Is Paragon Revenue Group?

Paragon Revenue Group (PRG) is a legitimate third-party debt collector. The company started in 1986 and operates in over 30 states.

PRG focuses exclusively on healthcare debt collection. If you have unpaid medical bills, your provider may hire them.

You can reach Paragon at 800-868-1899. Their address is 216 Le Phillip Ct., Concord, NC 28025.

What Do Reviews Say About Paragon Revenue Group?

Reviews paint a mixed picture. Some consumers report professional interactions. Others complain about aggressive collection tactics.

Check their ratings on Google, the Better Business Bureau, and the CFPB consumer database. Read recent reviews to understand current practices.

One reviewer named Nina shared a positive experience. She found their staff polite and understanding. They explained the collection process clearly and worked with her situation.

Working with Paragon is possible. You need clear, honest communication about your financial reality. Most collectors will negotiate when you’re upfront about what you can afford.

Who Does Paragon Collect For?

Paragon specializes in healthcare collections. Their clients include major health systems and hospital networks.

The company works with Atrium Health, CaroMont Health, USA Health, and Ensemble Health Partners. If you have past-due medical bills from these providers, Paragon may contact you.

How to Respond to Paragon Revenue Group

Paragon will contact you through phone calls, letters, or even social media. Shift all communication to writing immediately.

Written records protect you. They document every promise and agreement. Never rely on verbal commitments alone.

Start with Debt Validation

Confirm the debt belongs to you before paying anything. Mistakes happen frequently in debt collection.

Send a debt validation letter within 30 days of first contact. Request proof of the debt, including the original creditor’s name and account details.

Paragon must provide this information. They cannot continue collection efforts until they validate the debt.

Proving fraud or errors becomes nearly impossible after you make payments. Protect yourself first.

What If Paragon Revenue Group Sues You?

Never ignore a lawsuit. The consequences are severe and immediate.

If you don’t respond, the court grants a default judgment. Paragon can then garnish your wages or freeze your bank accounts.

You typically have 14 to 30 days to respond. Check your Summons for the exact deadline.

How to File Your Answer

You need three critical components in your response.

First, answer every claim in the Complaint. State whether you agree, deny, or lack knowledge to respond.

Second, assert your affirmative defenses. Explain why you should win. Valid defenses include incorrect debt amount, expired statute of limitations, or mistaken identity.

Third, file your Answer with the court and serve Paragon’s attorney. Keep a copy for your records.

Our partner Solo helps you create a proper Answer document. An attorney reviews your response before filing.

Filing your Answer only buys time. Continue negotiating with Paragon while the case proceeds.

Can You Settle Debt with Paragon Revenue Group?

Yes, Paragon negotiates settlements regularly. Debt settlement offers a realistic solution when full payment is impossible.

The concept is straightforward. You cannot afford the full debt. Interest and fees keep accumulating. You offer a lump sum percentage to close the account completely.

Paragon isn’t obligated to accept. But they often negotiate when you present honest financial information.

How to Negotiate a Settlement

Start your offer around 50% of the total debt. You don’t need expert skills to negotiate effectively.

Be honest about your financial situation. Only offer amounts you can actually pay. Breaking your promise resets everything.

Make your offer in writing. Document every communication. Written records protect both parties.

Our partner Solo provides tools to negotiate settlements online. The platform keeps complete records of all conversations and offers.

Get Your Settlement Agreement in Writing

Never pay without a signed agreement. Verbal promises mean nothing in collections.

Your settlement agreement must include specific terms. Document the settlement amount, payment deadline, and account closure confirmation.

Paragon must sign this agreement before you pay. The written contract proves they accepted your settlement offer.

Keep copies of everything. Save your agreement, payment confirmation, and final account statement.

What Happens After Settlement?

Settling debt affects your credit report. A settled account shows as “settled for less than full balance.”

A settled account isn’t as good as “paid in full.” But it stops collection calls and prevents lawsuits.

You stop accumulating interest and fees. Your debt is resolved. You can start rebuilding your financial life.

Request written confirmation after your final payment. Verify that Paragon reports the account as settled to all credit bureaus.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collection practices. Paragon must follow strict rules.

Collectors cannot call before 8 AM or after 9 PM. They cannot contact you at work if you tell them not to.

They cannot threaten arrest or use abusive language. They cannot misrepresent the debt amount or their authority.

Document any violations. Report illegal practices to the CFPB and your state attorney general.

You can sue collectors who violate the FDCPA. Courts award damages up to $1,000 plus attorney fees.

Take Action Today

Debt collectors won’t disappear. Ignoring Paragon only makes your situation worse.

Start by validating the debt. Confirm it’s yours and the amount is correct.

If you can pay, settle quickly. If you can’t afford full payment, negotiate a settlement.

If Paragon sues you, respond immediately. Our partner Solo provides the tools you need to answer the lawsuit and negotiate effectively.

You have options and rights. Take control of your debt situation now.