How to Resolve a Debt with PlusFour Collections

PlusFour, Inc. Collections calls multiple times a day. You want them to stop. You need to resolve this debt and move forward with your life.

Before you pay PlusFour Collections anything, verify the debt is actually yours. Send a Debt Validation Letter requesting proof. They must respond with information about the original creditor and a breakdown of what you owe.

Once verified, you have several options to resolve this debt. Each method has different advantages depending on your financial situation.

Is PlusFour, Inc a Legitimate Company?

Yes, PlusFour, Inc. Collections is a legitimate third-party debt collector. The company started in 1984 and incorporated in 1997. PlusFour is based in Las Vegas with multiple locations nationwide.

PlusFour manages unpaid accounts for various clients. They contact borrowers to collect outstanding debts. Sometimes they purchase debt from original creditors for a fraction of the amount. Then they try to collect the full amount from you.

PlusFour collects for dental and medical practitioners, property management companies, small businesses, and utility companies.

PlusFour Collections Contact Information

• Physical address: 2600 Paseo Verde Pkwy STE 101, Henderson, NV 89074-7165
• Mailing address: PO Box 95846, Las Vegas, NV 89193
• Phone number: (877) 494-1569
• Website: plusfourinc.com

Check PlusFour Collections Reviews Before Proceeding

PlusFour Collections has a 1/5 star rating with the Better Business Bureau. Their BBB score is F. The Consumer Financial Protection Bureau complaint database shows hundreds of complaints against PlusFour Collections.

Common complaints involve aggressive collection practices and refusal to correct billing errors. Many consumers report communication issues and disputed debts.

Here’s a real complaint from the CFPB database:

“I was hospitalized and received a bill from the provider that was inaccurate. I pointed this out to both the original company and the collection agency and provided proof to both of them and nothing was done.”

Federal laws protect you from harassment, dishonesty, and unfair treatment. The Fair Debt Collection Practices Act (FDCPA) gives you rights against debt collectors.

If PlusFour Collections Sues You, Respond Before the Deadline

Receiving a lawsuit from PlusFour requires immediate action. You must send an Answer to the court before your state’s deadline. Paying the debt does not dismiss the lawsuit. You still need to respond to court.

Ignoring the lawsuit leads to a default judgment. PlusFour wins automatically. They can then garnish your wages, place liens on your property, or freeze your bank account.

Our partner Solo helps you respond to debt collection lawsuits quickly. You need to act before your deadline passes.

Step 1: Answer Each Claim in the Complaint

The lawsuit includes a Complaint document listing allegations against you. Respond to each claim with one of three options:

• Admit: You agree the claim is true
• Deny: You disagree and want them to prove it
• Deny for Lack of Knowledge: You’re unsure if the claim is factual

Step 2: Assert Your Affirmative Defenses

Explain why you aren’t responsible for the debt. Support your defenses with documentation. Strong defenses may force PlusFour to withdraw the case or accept a settlement.

Common affirmative defenses include:

• The statute of limitations on the debt has expired
• PlusFour violated your consumer rights under the FDCPA
• The debt amount or information is incorrect
• PlusFour lacks legal standing to collect the debt

Step 3: File the Answer in Court

Mail your Answer to the court or deliver it to the courthouse. Send a copy to PlusFour Collections. Keep a third copy for your records.

Our partner Solo simplifies responding to PlusFour lawsuits with expert guidance and automated document creation.

Dispute Debts That Don’t Belong to You

The Fair Debt Collection Practices Act allows you to dispute incorrect debts. Send a dispute letter to PlusFour Collections immediately. If they don’t respond or remove the debt, dispute it with all three credit bureaus.

The credit bureaus will investigate and require PlusFour to verify the debt. If they can’t verify it, the debt gets removed from your credit report. You won’t have to pay.

Document all communication with PlusFour during the dispute process. Save copies of letters, emails, and records of phone calls.

Pay the Debt in Full with a Single Payment

Paying your debt in full eliminates it entirely. You need sufficient funds to cover the complete amount. Consider whether you have adequate money remaining for living expenses.

Payment in full removes the debt from collections immediately. Your credit score will improve over time as the account updates to “paid.”

Get written confirmation from PlusFour that the debt is paid in full. Send copies to the credit bureaus if PlusFour doesn’t update your credit report within 30 days.

Settle the Debt for Less Than You Owe

Can’t pay the full amount? Negotiate a settlement for less. Send a Debt Settlement Letter to PlusFour Collections. Offer a percentage of the original debt as payment in full.

Debt collectors often accept 40-60% of the original amount. They purchased your debt for pennies on the dollar. Any payment represents profit for them.

Negotiation takes time and strategy. Start with a lower offer than you can actually pay. Leave room to negotiate upward.

Get the settlement agreement in writing before sending payment. The agreement should clearly state the settlement amount satisfies the entire debt. Never pay without written confirmation.

Our partner Solo helps you negotiate settlements with PlusFour Collections. Their software handles offers, counteroffers, and paperwork securely.

Set Up a Payment Plan with PlusFour

PlusFour may agree to a monthly payment plan. You pay the debt over time instead of all at once. Payment plans help if you can’t afford a lump sum.

Contact PlusFour Collections directly to discuss payment options. Negotiate terms that fit your budget. Get the payment plan agreement in writing.

Review the terms carefully before agreeing. Understand the monthly payment amount, total payments required, and consequences of missed payments. Some agreements allow PlusFour to sue if you miss payments.

Know Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collection practices. PlusFour Collections must follow federal laws when contacting you.

Debt collectors cannot:

• Call before 8 a.m. or after 9 p.m.
• Contact you at work if you tell them not to
• Harass, threaten, or use profane language
• Misrepresent the amount you owe
• Threaten actions they don’t intend to take
• Contact you after you send a cease communication letter

If PlusFour violates your rights, document each violation. You can sue them for damages. You may also report violations to the CFPB and your state attorney general.

Remove PlusFour Collections from Your Credit Report

PlusFour Collections on your credit report hurts your score. Negative marks remain for seven years from the date of first delinquency.

Paying the debt changes the status to “paid” but doesn’t remove it. Settling shows as “settled for less than owed.” Both remain on your report for seven years.

You can request a “pay for delete” agreement. PlusFour removes the collection entry in exchange for payment. Get this agreement in writing before paying. Not all collectors agree to pay for delete.

If the debt is inaccurate or unverifiable, dispute it with credit bureaus. They must investigate within 30 days. Unverified debts get removed automatically.