Is Revco Solutions Legit? How To Settle With Them

Getting contacted by Revco Solutions can feel stressful and overwhelming. You might be receiving constant calls, threatening letters, or Facebook messages.

You have legal rights and protections. You can fight back against Revco Solutions and win.

Respond to Your Revco Solutions Lawsuit Today

Don't let Revco Solutions win by default. You have 14-35 days to file your Answer and protect yourself from wage garnishment. Get started now.

Respond to Lawsuit

What Is Revco Solutions?

Revco Solutions is a debt collection agency based in Columbus, Ohio. The company originally operated as Credit Bureau Collection Services (CBCS). It rebranded to Revco Solutions LLC in 2020.

Revco Solutions primarily collects medical debts for hospitals and physicians. The agency also works with utility companies, government agencies, and retail institutions. Revco has been collecting government debts for nearly two decades.

Here is the Revco Solutions contact information:

Address: 250 E Broad St Ste 400, Columbus, OH 43215-3761
Phone number: (855) 202-0113
Email: Mail@RevcoSolutions.com
Website: https://revcosolutions.com

Is Revco Solutions Legitimate?

Yes, Revco Solutions is a real debt collection agency. The company is not a scam.

However, Revco Solutions is not accredited by the Better Business Bureau. The company has a B rating from the BBB.

As of 2024, Revco Solutions has received dozens of complaints on its BBB profile. Many complaints mention violations of the Fair Debt Collection Practices Act.

Here is one real complaint from a consumer:

“Revco Solutions, Inc. is attempting to collect a debt that I do not owe. I have never signed a contract nor have I ever received any monies from Revco Solutions, Inc. They continue to send intimidating letters with an attempt to collect money from me.”

Revco Solutions Reviews From Real Customers

Google reviews give Revco Solutions an average rating of 1.3 out of 5 stars. Most reviews complain about aggressive calling tactics and requests for personal information.

Many people initially think Revco is a scam. The company is real but often uses questionable collection methods.

Know Your Legal Rights Under the FDCPA

Revco Solutions often targets people who don’t know their rights. The Fair Debt Collection Practices Act protects you from abusive collection practices.

Debt collectors must follow these rules:

Cannot call you before 8 a.m. or after 9 p.m.
Cannot use rude, vulgar, or threatening language
Cannot threaten you with lawsuits they don’t intend to file
Cannot call you at your workplace if asked to stop
Cannot harass you or your family members

If Revco Solutions violates these rules, you may have grounds for a counterclaim. You could recover damages and attorney fees.

How To Respond to a Revco Solutions Lawsuit

Revco Solutions may sue you for debts they claim you owe. You must respond quickly and properly.

Never ignore a debt lawsuit. Ignoring the lawsuit means Revco Solutions wins automatically. They can then garnish your wages and place liens on your property.

Our partner Solo can help you respond to the lawsuit in three steps:

Respond to each claim in the Complaint. You can admit, deny, or deny due to lack of knowledge. Deny as many claims as possible to force Revco to prove their case.
Assert your affirmative defenses. Common defenses include statute of limitations, lack of standing, and insufficient documentation.
File your Answer with the court. Send a copy to Revco Solutions via certified mail before your deadline.

Step 1: Respond to Each Claim

You will receive a Summons and Complaint (or Petition) when sued. The Summons notifies you of the lawsuit. The Complaint lists the specific claims against you.

You must respond to each numbered paragraph in the Complaint. You have three response options:

Deny: You are forcing them to prove the claim
Deny due to lack of knowledge: You don’t have information to confirm or deny
Admit: You agree the claim is true

Deny as many claims as possible. Revco Solutions must then provide documentation proving every denied claim.

If they cannot provide proof, the case may be dismissed. Many debt collectors lack proper documentation.

Step 2: Assert Your Affirmative Defenses

Affirmative defenses are legal reasons why Revco Solutions cannot win. You should include these in your Answer.

Revco Solutions must prove three things:

They have legal authority to sue you
You are the person who owes the debt
You owe the specific amount they claim

Common affirmative defenses include:

Statute of limitations: The debt is too old to sue for
Lack of standing: Revco doesn’t own the debt or have authority to collect
Insufficient documentation: They cannot prove the debt is yours
Payment: You already paid some or all of the debt
Identity theft: Someone else created the debt using your information

The statute of limitations defense is powerful. Each state has time limits for filing debt collection lawsuits. If Revco Solutions waited too long, you can get the case dismissed.

Step 3: File Your Answer and Serve Revco Solutions

You have 14 to 35 days to file your Answer. The deadline depends on your state and how you were served.

File your Answer with the court before the deadline. You can file in person, by mail, or online if available.

Send a copy of your Answer to Revco Solutions by certified mail. Request a return receipt as proof of delivery.

Keep copies of everything you file. Document all communication with Revco Solutions and the court.

Does Revco Solutions Report to Credit Bureaus?

Yes, Revco Solutions reports debts to the three major credit bureaus. A collection account can significantly damage your credit score.

You can remove Revco Solutions from your credit report in two ways:

1. Request Debt Validation and Dispute

Send a debt validation letter if you believe the debt is inaccurate. Revco Solutions must prove the debt is valid and accurate.

If they cannot validate the debt, they must remove it from your credit report. Many collectors cannot provide proper validation.

2. Pay or Settle the Debt

If the debt is valid, consider paying or settling it. Revco Solutions offers an online payment portal for easy payments.

You can set up a payment plan or negotiate a settlement. Settling means paying less than the full balance.

How To Settle With Revco Solutions

Debt settlement can save you money if you cannot afford the full balance. You negotiate to pay a reduced amount to resolve the debt.

Revco Solutions may accept 40% to 60% of the original balance. The exact amount depends on your situation and negotiation skills.

Follow these steps to settle with Revco Solutions:

Determine how much you can afford to pay in one lump sum
Contact Revco Solutions and propose your settlement offer
Negotiate back and forth until you reach an agreement
Get the settlement agreement in writing before paying
Make your payment only after receiving written confirmation
Keep all documentation for your records

Never make a payment before getting the agreement in writing. The written agreement should specify the settlement amount and confirm that payment resolves the debt.

Our partner Solo can help you negotiate and settle with Revco Solutions. The platform streamlines the settlement process and helps you reach an agreement faster.

What To Do If Revco Solutions Violates the FDCPA

Document every interaction with Revco Solutions. Keep records of phone calls, letters, and messages.

If Revco violates the FDCPA, you can file a complaint and sue for damages. You may recover up to $1,000 plus attorney fees.

Common FDCPA violations include:

Calling outside allowed hours (before 8 a.m. or after 9 p.m.)
Calling repeatedly to harass you
Using threatening or abusive language
Contacting you at work after being told not to
Discussing your debt with third parties
Threatening actions they cannot or will not take
Failing to validate the debt when requested

Report violations to the Consumer Financial Protection Bureau. You can also file a complaint with your state attorney general.

Consider consulting a consumer rights attorney. Many offer free consultations and work on contingency fees.

Protect Yourself From Revco Solutions

You have rights when dealing with debt collectors. Revco Solutions must follow the law when attempting to collect debts.

Never ignore contact from Revco Solutions or any debt collector. Ignoring the problem makes it worse.

Always respond to lawsuits before the deadline. An Answer protects your rights and forces Revco to prove their case.

Get everything in writing before making any payments. Never trust verbal promises from debt collectors.

Document everything. Keep records of all communication, payments, and agreements.

Frequently Asked Questions

What is Revco Solutions and is it a scam?

Revco Solutions is a legitimate debt collection agency based in Columbus, Ohio. The company is not a scam, though it has received numerous complaints for aggressive collection tactics. Revco Solutions primarily collects medical debts for hospitals and physicians, as well as debts for utility companies and government agencies.

How do I respond to a lawsuit from Revco Solutions?

Respond to a Revco Solutions lawsuit by filing a written Answer with the court before your deadline (typically 14-35 days). In your Answer, deny claims you disagree with, assert affirmative defenses like statute of limitations, and send a copy to Revco Solutions via certified mail. Never ignore the lawsuit or you will lose by default.

Can I settle my debt with Revco Solutions for less than I owe?

Yes, you can often settle with Revco Solutions for 40-60% of the original balance. Contact Revco Solutions to negotiate a settlement, but always get the agreement in writing before making any payment. The written agreement should confirm that your payment resolves the debt completely.

Does Revco Solutions report to credit bureaus?

Yes, Revco Solutions reports debts to the three major credit bureaus. You can remove Revco Solutions from your credit report by disputing the debt and requesting validation, or by paying or settling the debt. If they cannot validate the debt, they must remove it from your credit report.

What are my rights when Revco Solutions contacts me?

Under the Fair Debt Collection Practices Act (FDCPA), Revco Solutions cannot call you before 8 a.m. or after 9 p.m., use abusive language, threaten you, call your workplace after being asked to stop, or harass you. If they violate these rules, you can file a complaint and may be entitled to damages up to $1,000 plus attorney fees.