How to Resolve a Debt Issue with SCA Collections

Getting a debt collection letter from SCA Collections ruins anyone’s day. Owing money to a company you’ve never heard of creates confusion and stress.

You need to read the letter carefully. Extract the information required to determine if the debt is legitimate. The first notification from SCA Collections triggers multiple collection actions. You may receive numerous phone calls from company representatives demanding payment.

Stop the calls by sending a debt validation letter. Debt collection agencies must validate debts by law. They must give you 30 days to dispute the debt in writing.

Collection activities cease once you request validation. Activities only resume if SCA Collections provides proper documentation. Valid documentation includes the original lender’s name, your account number, your name, and the amount owed when SCA Collections purchased the debt.

Collection activities will resume after proper validation. You must ensure their activities comply with Fair Debt Collection Practices Act (FDCPA) requirements. The FDCPA protects consumers from aggressive collection tactics.

What Debt Collection Activities Are Prohibited by the FDCPA?

The FDCPA was established in the 1970s. The federal government created protections against harmful debt collection tactics. Prior to the FDCPA, debt collectors used scary and aggressive methods.

The FDCPA bans these collection activities:

• Repeatedly calling your home throughout the day
• Letting the phone ring continuously until someone answers
• Using abusive language or calling you a criminal
• Calling your workplace when your employer forbids it
• Falsely claiming they represent law enforcement

You can file a complaint if you experience illegal behavior. The Consumer Financial Protection Bureau accepts harassment complaints. Our partner Solo can help you respond to any violations of your rights.

Is SCA Collections a Legitimate Debt Collector?

Yes, SCA Collections is a legitimate debt collector. The company operates from North Carolina. You can contact SCA Collections using this information:

• Phone number: 800-334-7713 or 252-355-5500
• Address: 300 East Arlington Blvd, Suite 6-A Greenville, NC 27858
• Mailing Address: P.O. Box 876 Greenville, NC 27835
• Email: info@scacollections.com

Who Does SCA Collections Work For?

SCA Collections primarily collects delinquent medical accounts. The company works for healthcare providers and medical sector entities. Medical debt often gets sent to SCA Collections.

SCA Collections Reviews Online

Online reviews for SCA Collections present mixed feedback. Many consumers report productive discussions with the company. Reviews show that proactive communication leads to better outcomes.

Check these review sites for more information:

• Google reviews
• Yelp reviews
• Better Business Bureau ratings

One consumer named Korina praised her experience with SCA Collections. She commended representative Shaka Jones for excellent customer service. Shaka helped Korina understand her bill and resolve the issue. The review demonstrates that SCA Collections representatives work with consumers.

How to Negotiate Debt Settlement with SCA Collections

You can negotiate settlement even after receiving a lawsuit. Proactive response to the lawsuit gives you time for productive negotiations. Follow these steps to settle debt with SCA Collections:

1. File your Answer to the debt collection lawsuit immediately
2. Calculate how much you can afford to pay using this formula: Amount available = (monthly income – monthly costs) + savings
3. Contact SCA Collections to begin settlement discussions
4. Make your opening offer lower than your maximum amount
5. Prepare for multiple rounds of negotiations
6. Get the settlement agreement in writing before paying
7. Ensure both parties sign the official agreement

Consumer rights attorneys recommend starting negotiations early. Our partner Solo can guide you through settlement negotiations with SCA Collections.

What Should I Do If I’m Sued by SCA Collections?

Take immediate action when you receive a lawsuit notice. Ignoring the debt leads to a default judgment against you. Default judgments severely damage your credit score.

SCA Collections can pursue aggressive collection activities after a judgment. They can garnish your wages or freeze your bank account. You don’t need these consequences, especially for debts that aren’t yours.

File a written Answer in your local court instead. You must respond within the deadline.

Respond to a Debt Lawsuit Against SCA Collections

Your first step is responding with a written Answer. You have 14-35 days to submit your Answer. The deadline depends on your state. SCA Collections will request a default judgment if you miss the deadline.

You can represent yourself without hiring an attorney. Follow these six tips to draft your Answer:

1. Keep your Answer simple and focused. Respond to each claim listed in the Complaint. You can admit, deny, or deny due to lack of knowledge.
2. Deny as many claims as possible. Force SCA Collections to prove their case with evidence.
3. Include affirmative defenses in your Answer. The statute of limitations is a common affirmative defense. Debts past the statute of limitations void the lawsuit.
4. Use standard legal formatting for your document. Include a caption with court information, party information, and case number.
5. Add a certificate of service at the end. Verify the address you used to serve SCA Collections.
6. Sign your Answer document before filing. Courts reject unsigned legal documents.

Filing an Answer often stops the lawsuit from proceeding. Collection agencies sometimes drop cases entirely. They drop cases when they lack evidence to prove you owe the debt.

Our partner Solo helps you draft and file an Answer in all 50 states. Don’t let SCA Collections win by default.