How to Settle Debt With Sessoms and Rogers
If Sessoms and Rogers is suing you, respond to the lawsuit before the deadline to avoid default judgment. You can challenge their right to sue, request debt validation, or negotiate a settlement for less than you owe. Taking action protects you from wage garnishment and gives you leverage to resolve the debt on better terms.
Answer Your LawsuitGetting sued by Sessoms and Rogers? You have options. You can request debt verification before they proceed with legal action. If they cannot verify the debt, they cannot legally sue you. Even if the debt is yours, you can negotiate a settlement for less than you owe.
You must respond to any lawsuit within the court deadline. Ignoring a lawsuit leads to default judgment and wage garnishment.
Respond to Sessoms and Rogers Before the Deadline
The clock is ticking on your lawsuit deadline. Our partner Solo helps you draft and file your Answer in minutes, then negotiate a settlement online without stressful phone calls.
Respond to Lawsuit NowWhat Is Sessoms and Rogers?
Sessoms and Rogers is a North Carolina civil litigation law firm. Founded in 1984, they specialize in creditor rights and debt collection. They represent financial institutions, corporations, and individuals who want to collect debts. The firm also handles commercial litigation, landlord representation, and appellate cases.
Here’s how to contact Sessoms and Rogers:
- Phone: 800-580-6953
- Address: 1822 NC-54 #200, Durham, NC 27713
- Email: consumerinquiries@sessomslaw.com
Who Does Sessoms and Rogers Collect For?
Sessoms and Rogers represents multiple companies across different financial sectors. Their clients include credit card companies, auto loan lenders, and personal loan providers.
Common clients include:
- Absolute Resolutions Investments
- Ally Financial
- Bank of America
- Barclays Bank
- FIA Card Services
- LVNV Funding
- Synchrony Bank
- Unifund
These are just some of the creditors Sessoms and Rogers regularly represents.
Sessoms and Rogers Reviews
Want to know what other consumers say about Sessoms and Rogers? Check out these review sites:
- Reviews on Google
- Reviews on Yelp
- Reviews on Better Business Bureau
- Reviews on the CFPB consumer database
The online reviews are mixed. Some consumers report positive experiences, while others do not. Despite mixed reviews, you should take proactive steps to resolve your debt. Many debt collection law firms will negotiate settlements. Our partner Solo can help you negotiate online without stressful phone calls.
Send a Debt Validation Letter to Sessoms and Rogers
Sessoms and Rogers must prove three things before collecting from you:
- You are responsible for the debt
- They have legal right to sue you
- The specific amount you owe is accurate
You can request this proof by sending a debt validation letter. Once they receive your letter, they must verify the debt before contacting you again. Many debt collectors cannot provide adequate proof. In those cases, they must stop collection efforts.
Requesting validation is a powerful defense strategy. The validation process forces collectors to produce documentation like the original credit agreement. Without proper documentation, their case falls apart.
Negotiating a Debt Settlement With Sessoms and Rogers
If you know the debt is valid, you can negotiate a settlement. Sessoms and Rogers may accept less than the full amount owed. They may also agree not to report the settled account to credit bureaus.
Follow these steps to negotiate effectively:
- Analyze your finances. List all your debts with amounts and types. Review your monthly budget to determine available funds. Calculate your income minus essential expenses like rent, food, and savings. Determine if you can make a lump-sum payment if a settlement is reached.
- Contact Sessoms and Rogers. Start negotiations with an opening offer lower than you can actually pay. Starting low gives you room to negotiate upward. Be prepared to explain your financial hardship briefly.
- Get settlement terms in writing. Never pay without a written agreement. Review the document carefully before signing. Make sure you understand all terms and conditions. Ask questions about anything unclear.
- Make the payment on time. Pay on or before the agreed date. Keep proof of payment for your records.
Settlement negotiations work best when you’re prepared and persistent. Our partner Solo makes it easy to negotiate settlements online without intimidating phone calls.
What to Do If Sessoms and Rogers Sues You
Respond to the Summons and Complaint
You will receive a Summons and Complaint in the mail. Many people make the mistake of ignoring this notice. Never ignore a lawsuit, even if you cannot pay the debt.
Ignoring a lawsuit leads to default judgment against you. Default judgment allows wage garnishment and bank account levies. The court may also add attorney fees, court costs, and interest. Your debt grows larger without any defense opportunity.
Submit a Proper Answer
Your Answer is your formal response to the lawsuit. Never admit liability in your Answer. Force the creditor to prove every claim they make.
The Complaint lists specific claims against you. Respond to each claim with one of three answers:
- Admit: You agree the statement is true
- Deny: You deny the claim and force them to prove it
- Deny due to lack of knowledge: You have no information about the claim
File your Answer with the court before the deadline. Get a stamped copy from the Clerk of Court. Send the stamped copy to the plaintiff via certified mail. The deadline to respond is typically 14-35 days from the date on the summons. Missing this deadline results in automatic default judgment.
Challenge Their Right to Sue
Debt buyers often lack proper documentation to prove ownership. When debt gets sold multiple times, the paper trail breaks down. Sessoms and Rogers must provide a credit agreement with your signature. They must also prove an unbroken chain of ownership from the original creditor.
If they cannot provide this documentation, their case may be dismissed. Many debt buyers purchase old debts for pennies on the dollar. These debts often lack the necessary paperwork to win in court.
Know the Statute of Limitations
The statute of limitations determines how long creditors can sue you. Each state sets different time limits, usually between four to six years. The clock starts on the date of your last account activity. Making a payment or using credit restarts the clock.
Understanding your state’s statute of limitations protects you from time-barred debt lawsuits. Collectors cannot legally sue you after the statute expires. However, they may still try to collect through phone calls and letters.
Understand FDCPA Violations
The Fair Debt Collection Practices Act protects you from abusive collection practices. Collectors who violate the FDCPA may owe you $1,000 per incident plus legal fees.
FDCPA violations include:
- Threats of bodily harm or arrest
- Lying about debt amounts or legal consequences
- Using profane or obscene language
- Threatening lawsuits they don’t intend to file
- Calling outside the hours of 8 AM to 9 PM
- Excessive calling or harassment
Document all violations with dates, times, and detailed notes. These violations can become powerful leverage in settlement negotiations or courtroom defenses.
If You Cannot Pay Your Debt
Financial hardship doesn’t mean you’re out of options. Settlement allows you to pay less than the full amount owed. Debt management plans let you repay the full amount over time. Both options can help you resolve debt without court judgments.
Our partner Solo helps you respond to lawsuits and negotiate settlements. You can handle the entire process online without speaking to debt collectors.