How to Respond to Synergetic Communication Debt Collectors
Synergetic Communication is a legitimate debt collector with numerous consumer complaints. You must validate any debt they claim you owe before making payments. If they sue you, respond quickly with an Answer and negotiate a lower settlement to resolve the debt.
Answer the LawsuitSynergetic Communication (SynCom) may contact you by letter, phone, or email. The company seeks to collect on unpaid debts across the United States.
Don’t ignore their attempts to reach you. You can resolve the debt and protect your rights.
Synergetic Communication Sued You? Respond Now
You have as little as two weeks to file your Answer with the court. Our partner Solo helps you draft a strong response and negotiate a lower settlement with SynCom collectors.
Respond to SynComWhat Is Synergetic Communication Inc.?
Synergetic Communication Inc. is a full-service debt collection agency. The company has operated for over 27 years.
The primary office is located at 5450 Northwest Central, Suite 220, Houston, TX 77092. You can reach them toll-free at 800-580-8615.
Who Does Synergetic Communication Collect For?
Synergetic Communication historically focused on home and auto loan collections. Today, the agency collects various consumer debts for businesses.
If SynCom contacts you, determine your original creditor immediately. Knowing who owns the debt helps you verify its legitimacy.
Is Synergetic Communication a Scam?
Synergetic Communication is a legitimate debt collection agency. However, consumers have filed numerous complaints against the company.
The Better Business Bureau lists 126 customer complaints. The Consumer Financial Protection Bureau (CFPB) shows 170 consumer complaints.
Many complaints allege SynCom contacted customers about illegitimate debts. The company has a 1.3-star rating on Google reviews.
Always validate your debt before making any payments. You have the right to verify what you owe.
Resolve Your Debt With Synergetic Communication
Your debt won’t disappear on its own. Take action to resolve it and move forward.
Know Your Rights Under Federal Law
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices. Some consumer complaints allege SynCom representatives failed to identify themselves as debt collectors.
Debt collectors cannot legally do the following:
- Fail to identify themselves as debt collectors
- Call multiple times each day
- Call before 8 a.m. or after 9 p.m.
- Contact you after receiving a cease and desist letter
- Refuse to validate your debt
- Discuss your debt with friends, coworkers, or family members
- Use threatening or offensive language
- Threaten arrest for unpaid debt
Report FDCPA violations to the Federal Trade Commission at 877-382-4357. You can also file complaints with the CFPB at 855-411-2372.
Draft and File an Answer to a Lawsuit
Has Synergetic Communication sued you over unpaid debt? You must act quickly to protect your rights.
Our partner Solo helps you draft an Answer document. An Answer indicates your willingness to defend yourself in court.
You’ll file the Answer with the court clerk. Time matters because many jurisdictions give you only two weeks to respond.
Failing to respond results in a default judgment. You’ll lose the ability to negotiate a lower settlement amount.
The judge can also award SynCom additional collection fees and legal fees. These charges only increase your total debt burden.
Request Debt Validation From SynCom
Never make a payment until you confirm the debt belongs to you. Request a Debt Validation Letter from Synergetic Communication.
The validation letter must include:
- Your original creditor’s name
- Your original debt amount
- Proof connecting you to the debt
- Dates of any previous payments
- The age of your debt
Debt collectors often pressure you to make a “good faith” payment. Never do this before validating the debt.
Making a payment can reset the statute of limitations. You could become liable for the entire debt amount.
Negotiate a Lower Settlement Amount
You have two options after validating your debt. Fight the lawsuit in court if SynCom cannot prove you owe it.
If the debt is yours, settling makes more sense. Most debt collectors prefer accepting a lower settlement over lengthy court proceedings.
Our partner Solo helps you negotiate with SynCom without direct contact. You’ll avoid stressful phone calls and pressure tactics.
The platform facilitates communication until you reach an agreement. Then it helps arrange your settlement payment.
Example: Kevin received an email from someone claiming to represent Synergetic Communication Inc. He sent it to spam, then received a phone call days later. SynCom was collecting on a past-due car loan. The situation escalated into a lawsuit. Kevin filed an Answer with the court immediately. He requested a Debt Validation Letter to confirm the debt. Once verified, he negotiated a settlement through our partner Solo. Kevin and SynCom agreed on a reduced payment amount. The platform arranged his payment plan.
Start Rebuilding Your Credit Score
Settling debt will temporarily hurt your credit score. However, unresolved debt creates worse financial consequences over time.
Resolve your debt quickly so you can rebuild credit. The sooner you settle, the sooner you can recover.
Consider working with a credit-building service after settling. Building positive payment history helps offset past negative marks.