Resolve a Debt With Swift Funds Financial
Swift Funds Financial collects unpaid gym membership debts for major fitness companies. You have the right to validate debts, dispute errors, and negotiate settlements before considering payment. If Swift Financial sues you, respond within your state's deadline to avoid wage garnishment and protect your rights.
Answer Swift FinancialSwift Funds Financial is a debt collection agency that collects on behalf of fitness companies. You may receive calls about unpaid gym memberships, even if you already paid. Understanding your rights helps you resolve the debt or fight back legally.
What Is Swift Funds Financial?
Swift Funds Financial, also known as Swift Financial Services, specializes in collecting unpaid gym and fitness account balances. The agency works exclusively with fitness industry clients to recover debts.
Respond to Swift Financial Before Your Deadline
Swift Financial sued you for gym debt? You have 14-30 days to file an Answer and protect your wages. Draft your response in 15 minutes with step-by-step guidance.
Respond to LawsuitIf you stopped paying your gym membership, Swift Funds Financial will contact you. The company may also contact you about debts you already paid off. Many consumers report being harassed for balances they cleared months ago.
Swift Funds Financial Contact Information
- Phone: 347-943-6668
- Email: info@swiftfinancial.fit
- Address: PO Box 2397, Palos Verdes Peninsula, CA 90274-8397
- Website: https://swiftfinancial.fit/
Who Does Swift Financial Services Collect For?
Swift Financial Services collects for many fitness companies nationwide. According to complaints on its Better Business Bureau profile, Swift works with these gyms:
- Best Fitness
- Club Pilates
- CycleBar
- Edge Fitness
- EoS Fitness
- Gold’s Gym
- Lighthouse Fitness Management
- UFC Gym
- 9Round
You might receive a call from Swift Funds Financial if you had a membership with these gyms. Many consumers report receiving calls even when they’re current on all payments.
Swift Funds Financial Reviews Are Not Great
Swift Financial Services has an F rating on the Better Business Bureau. The company is not BBB accredited and has a 1 out of 5 star customer rating. Dozens of complaints have been filed over the last three years.
Most complaints involve collection attempts for debts consumers already paid. Here’s one real example from a consumer:
“I am being contacted about a debt I cleared with Eos Fitness. I was told that my debt was cleared and was fine; months later, I’m being contacted about a debt.”
Federal and state laws protect you from these unfair practices. You have the right to dispute incorrect debts and hold collectors accountable.
Stand Up for Your Rights Against Swift Financial
The Fair Debt Collection Practices Act outlines illegal debt collection activities. Swift Fund Financial debt collectors cannot:
- Contact you before 8:00am or after 9:00pm
- Use threatening, crude, or profane language when discussing your debt
- Talk to your friends, coworkers, or extended family about your debt
- Lie about who they are or misrepresent themselves
- Threaten to take legal action they don’t plan to take
- Misrepresent your debt or the amount you owe
If Swift Financial violates the FDCPA, you can file a complaint with the Consumer Financial Protection Bureau. You may also sue the collector for damages up to $1,000 plus attorney fees.
Validate Your Debt With Swift Financial
Debt collectors must validate your debt when you request it in writing. Send a debt validation letter within 30 days of their first contact. Our partner Solo helps you create a professional validation letter quickly.
If Swift Financial can’t prove your debt is legitimate, they must stop contacting you. They cannot report the debt to credit bureaus or sue you in court.
Settle Your Debt With Swift Financial
If you actually owe the debt, you have several options for resolution. Contact Swift Funds Financial to discuss payment arrangements that fit your budget.
Negotiate a Payment Plan
Ask Swift Financial about monthly installment plans. Many collectors accept smaller payments over time rather than demanding the full balance immediately. Request to pay 25-50% of your monthly income toward the debt.
Request a Settlement Offer
Swift Financial may accept less than the full amount you owe. Start by offering 30-50% of the balance as a lump sum payment. Get any settlement agreement in writing before sending money.
Our partner Solo helps you negotiate settlements with Swift Financial and other collectors. The service handles all communication so you don’t face harassment or pressure tactics.
Consider Debt Consolidation
If you have multiple debts beyond Swift Financial, consolidation might help. You take out one new loan to pay off all existing debts. The goal is securing a lower interest rate and simplified monthly payments.
What Happens If Swift Financial Sues You?
Swift Funds Financial can sue you to collect an unpaid gym membership debt. You’ll receive a court summons by mail or in-person delivery. The summons tells you when and where to appear in court.
Never ignore a lawsuit from Swift Financial or any debt collector. Ignoring the lawsuit results in an automatic default judgment against you. The collector can then garnish your wages or freeze your bank account.
Respond to the Lawsuit Within the Deadline
You typically have 14-30 days to respond to a debt collection lawsuit. The exact deadline appears on your summons paperwork. File an Answer document with the court before the deadline expires.
Your Answer should deny or dispute the claims in the lawsuit. You can raise affirmative defenses like statute of limitations or lack of proof. Our partner Solo helps you draft and file a proper Answer in minutes.
Attend Your Court Hearing
Show up to your court date prepared with documentation. Bring proof of payments, validation letters, and any settlement communications. The judge will hear both sides and make a decision.
Many debt collection lawsuits settle before trial. Swift Financial may offer a better settlement once you file an Answer. You show you’re willing to defend yourself in court.
Protect Your Credit From Swift Financial
Swift Funds Financial can report unpaid debts to the three major credit bureaus. Collection accounts damage your credit score and remain on your report for seven years.
Check your credit reports regularly for errors. Dispute any inaccurate Swift Financial entries with the credit bureaus. You have the right to accurate reporting under the Fair Credit Reporting Act.
Remove Swift Financial From Your Credit Report
You can negotiate pay-for-delete agreements with Swift Financial. The collector removes the collection account from your credit report after you pay. Get the agreement in writing before sending payment.
If Swift Financial violates collection laws, use that as leverage for removal. Many collectors delete accounts rather than face FDCPA lawsuits. Document every violation with dates, times, and detailed notes.
When to Seek Professional Help
Complex debt situations may require professional guidance. Consider consulting a consumer rights attorney if Swift Financial sues you or harasses you repeatedly.
An attorney can review your case and advise you on the best course of action. Many consumer attorneys offer free consultations and work on contingency for FDCPA violations. You pay nothing unless you win your case.
Debt counselors can also help you create a budget and repayment strategy. They negotiate with creditors on your behalf and consolidate multiple debts into one payment.