How to Settle Debt With Receivable Solutions in 2024
You can settle debt with Receivable Solutions for less than the full amount, even after being sued. Respond to the Summons immediately to protect your negotiating rights. Professional negotiators can handle settlement discussions and often secure better terms than you could get alone.
Settle Your DebtDodging debt collectors like Receivable Solutions only delays the inevitable. If you avoid paying and don’t set up a payment plan, they will likely sue you.
You can still settle for less than you owe. Even after being sued, you have options.
Respond to Receivable Solutions Today
Don't let Receivable Solutions win by default. Our partner Solo helps you answer the lawsuit and negotiate a settlement for less than you owe.
Answer the LawsuitWho Is Receivable Solutions?
Receivable Solutions is a debt collector that primarily handles medical debt. The company operates from Columbia, South Carolina.
Many similarly named companies exist. Here are the main ones:
- Receivable Solutions: Collection agency based in Columbia, SC
- Receivable Solutions Specialists Inc.: Collection agency based in Natchez, MS
- Midwest Receivable Solutions: Collection agency based in Kalamazoo, Michigan
- Global Receivable Solutions: Collection agency based in Sherman, TX
- Accounts Receivable Solutions: Collection agency based in Lincoln, NE
- Accelerated Receivable Solutions: Collection agency based in Scottsbluff, NE
If you’ve been sued, you’re likely dealing with the South Carolina company. In 2023, Receivable Solutions received a Best in Klas Award.
Receivable Solutions is legitimate. You should respond quickly if they contact you.
Contact Information for Receivable Solutions
You can reach Receivable Solutions at 866-505-7419. You may also receive calls from 803-790-0446.
Send written correspondence to: 800 Dutch Square Blvd Ste 140, Columbia, SC 29210-7323.
Consumer Reviews of Receivable Solutions
The company’s BBB rating is a C-. It’s not BBB accredited as of 2024.
Receivable Solutions has had dozens of BBB complaints in the past three years. Customer reviews average one out of five stars.
Many complaints allege the company tried to collect already-paid debts. Others say Receivable Solutions failed to validate debts when requested.
The CFPB shows hundreds of complaints against Receivable Solutions as of 2024. Common issues include:
- Not providing notice of dispute rights
- Refusing or failing to verify debts
- Attempting to collect paid debts
- Pursuing debts resulting from identity theft
Google reviews show an average rating of 1.3 out of 5 stars. More than 100 reviews reflect consumer frustration with collection practices.
How to Contact Receivable Solutions
You can make online payments through the company’s website portal. Mail payments to: Receivable Solutions, LLC, PO Box 931915, Atlanta, GA 31193-1915.
You can also call 1-803-790-0446 to discuss payment options.
Why You Should Settle Your Debt
Lawsuits cost time and money. Debt collectors want to avoid them. You should too.
Collectors are motivated to accept less than you owe. Trials are expensive and unpredictable for both parties.
Settlement negotiations may take several rounds. Both sides benefit: the collector gets paid, and you pay less.
You also avoid wage garnishment. Garnishment can create serious financial hardship for your household.
Our partner Solo can help you respond to a lawsuit from Receivable Solutions.
Respond to the Summons First
You must respond to the Summons within your state’s deadline. You do this by filing an official Answer document.
Skipping this step means you lose by default. The court will order you to pay the full amount. You lose all negotiating power.
Here’s how the process works in practice:
Example: Sarah receives a Summons from Receivable Solutions for $2,500 in medical debt. She checks her state’s response deadline and drafts an Answer challenging the claims. The Answer gives her time to negotiate. Sarah offers $1,600 as a settlement. Receivable Solutions accepts. Sarah pays $1,600 and saves $900.
Know Your State’s Deadline
Response deadlines vary by state. Most states give you 20 to 30 days.
Missing the deadline results in a default judgment. The collector can garnish your wages or freeze your bank account.
File your Answer immediately. You protect your right to negotiate and settle.
Settlement Strategies That Work
Start by offering 40% to 50% of what you owe. Collectors often accept these amounts.
Never agree to more than you can afford. Payment plans are available if lump sums aren’t realistic.
Get everything in writing before you pay. Written agreements protect you from future collection attempts.
Request a “paid in full” letter after payment. You need proof the debt is satisfied.
Document Everything
Keep copies of all correspondence. Save emails, letters, and payment confirmations.
Record phone call details including dates, times, and names. Written documentation strengthens your position.
Request debt validation if you don’t recognize the debt. Collectors must prove you owe the money.
Professional Settlement Help
Negotiating with collectors can be stressful. You don’t have to do it alone.
Our partner Solo handles negotiations for you. You avoid direct contact with Receivable Solutions.
Professional negotiators often secure better settlement terms. They understand collector tactics and legal requirements.
Settlement services handle all communication and paperwork. You get peace of mind and better results.