Settle Debt With Holloway Credit Solutions: Your Action Plan
If Holloway Credit Solutions sues you, respond immediately by filing an Answer to avoid default judgment. Negotiate a settlement starting at 60% of the debt amount to resolve the lawsuit without wage garnishment or bank levies.
Answer Your LawsuitFacing a debt lawsuit from Holloway Credit Solutions feels overwhelming. But you have options to avoid court judgments and wage garnishments. Acting quickly with the right strategy can help you settle your debt.
You might even pay less than you originally owed. Here’s how to handle Holloway Credit Solutions and resolve your debt for good.
Respond to Holloway Credit Solutions in Minutes
Don't let your Answer deadline pass and hand Holloway an automatic win. Respond to your lawsuit today and protect yourself from wage garnishment.
File Your Answer NowWhat Is Holloway Credit Solutions?
Holloway Credit Solutions is a debt collection agency based in Alabama. Founded in 1900, it’s one of the state’s oldest debt collectors.
The company collects several types of debt:
- Medical bills
- Commercial debts
- Utility bills
- Retail accounts
- Education-related debts
You can contact Holloway Credit Solutions at these locations:
- Phone number: 800-206-3073
- Headquarters: 1286 Carmichael Way, Montgomery, AL 36106-3645
- Dothan location: 3201 Montgomery Hwy Ste 5, Dothan, AL 36303
- Mobile location: 4362 Midmost Dr Ste A, Mobile, AL 36609
Holloway Credit Solutions Reviews: What Consumers Report
Holloway Credit Solutions has a 1-star rating on Google reviews. The Better Business Bureau profile shows dozens of complaints over the last three years.
The Consumer Financial Protection Bureau database lists hundreds of complaints against Holloway Credit Solutions. Common issues include:
- Attempting to collect invalid debts that don’t belong to consumers
- Trying to collect debts already paid
- Failing to validate debts when requested
- Reporting paid debts to credit bureaus under different creditor names
- Calling consumers repeatedly
You have the right to request debt validation. Make Holloway Credit Solutions prove you owe the debt before paying anything.
What to Do When Holloway Credit Solutions Sues You
Getting a lawsuit summons in the mail is stressful. Ignoring it makes everything worse.
You must respond to the lawsuit by filing an Answer. You typically have 20 to 30 days, depending on your state.
If you don’t respond in time, the court issues a default judgment. Holloway Credit Solutions wins automatically. The company can then garnish your wages or freeze your bank account.
Responding protects your rights and keeps negotiation options open. Our partner Solo helps you respond to debt lawsuits quickly and correctly.
Example: Two Different Outcomes
Benny receives a lawsuit summons from Holloway Credit Solutions. He ignores it, hoping the debt disappears. The court issues a default judgment against him. Within a month, part of his paycheck is withheld.
Joseph also receives a summons from Holloway Credit Solutions. He decides to respond by filing an Answer letter. Joseph then negotiates a settlement. He offers to pay 60% of the debt immediately if Holloway drops the lawsuit. The company agrees. Joseph resolves his debt without wage garnishment.
How to Negotiate a Settlement With Holloway Credit Solutions
Once you’ve filed your Answer, you can negotiate. Almost no debt lawsuits reach a courtroom. Settling outside court is usually your best option.
Start by offering to pay 60% of the debt. You can negotiate from there based on their response.
Don’t try to simply pay the bill at this stage. Once you’ve been sued, you need a formal settlement agreement. The agreement should state the collector will drop the lawsuit when you pay.
Our partner Solo handles negotiations for you. You won’t have to deal directly with Holloway Credit Solutions.
Get the Settlement in Writing
Never send money without a written settlement agreement. The agreement should specify:
- The settlement amount you’ll pay
- The payment deadline
- Confirmation that Holloway will dismiss the lawsuit
- Confirmation that the debt will be marked as settled
Keep copies of all documents for your records. Save proof of payment after you settle.
How Long Until Settlements Appear on Your Credit Report?
Collection accounts stay on your credit report for seven years. Most credit bureaus update monthly.
Having a collection marked as “paid” or “settled” looks better than an unpaid collection. Your credit score may improve once the account is resolved.
After settling, monitor your credit report to ensure Holloway updates the account status correctly.
Know Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects you from abusive collection practices. Holloway Credit Solutions must follow these rules:
- Cannot call before 8 a.m. or after 9 p.m.
- Cannot harass, threaten, or use abusive language
- Must validate the debt when you request it
- Cannot contact you at work if you tell them not to
- Cannot discuss your debt with others
If Holloway violates the FDCPA, you can sue the company. You may recover damages plus attorney fees.
Document all communications with the collector. Save voicemails, letters, and text messages as evidence.
Act Fast to Avoid Default Judgment
Time is critical when you’re sued for debt. Missing your Answer deadline hands Holloway an automatic win.
Calculate your deadline immediately after receiving the summons. Count business days, not calendar days, in most states.
Filing an Answer stops the default judgment clock. You then have time to negotiate a settlement or prepare your defense.
Our partner Solo makes responding to lawsuits simple. You answer questions online, and they draft and file your Answer.