Why is Sentry Credit Calling Me? Stop the Calls

Sentry Credit is calling because you owe a debt. Or they think you owe a debt.

You can stop these unwanted phone calls. Address your debt once and for all. Here’s how to respond when Sentry Credit contacts you.

Respond to Sentry Credit's Lawsuit Before Time Runs Out

Don't let Sentry Credit win by default. You have as little as two weeks to file your Answer in some states. Our partner Solo helps you draft and file your response before your deadline expires.

Answer the Lawsuit

What is Sentry Credit?

Sentry Credit, Inc. is a debt collection agency based in Everett, Washington. Don’t confuse them with Sentry Credit Union. The credit union has no connection to Sentry Credit, Inc.

Who does Sentry Credit collect for?

Sentry Credit collects various consumer debts. These include credit cards, student loans, medical bills, and bank accounts.

Sentry Credit has either purchased your unpaid debt or your original creditor hired them. They’re calling to get you to pay what you owe.

Is Sentry Credit legitimate?

Yes. The Better Business Bureau accredits Sentry Credit with an A+ rating.

However, hundreds of consumer complaints exist. Check the BBB website and the CFPB complaint database for details.

Contact Sentry Credit toll-free at 800-608-2581. Reach their Compliance Team at (855) 740-3400 or Compliance@sentrycredit.com.

Follow These Steps When Sentry Credit Calls You

Don’t ignore phone calls from Sentry Credit. They may escalate matters and sue you over unpaid debt.

Take steps to verify the debt. Assert your rights to protect yourself from repeated calls.

1. Report harassing phone calls

You don’t have to tolerate harassment. The Fair Debt Collection Practices Act (FDCPA) prohibits certain practices.

Debt collectors cannot:

Call you before 8 a.m. or after 9 p.m.
Call you multiple times per day
Use vulgar or threatening language
Threaten you with arrest for unpaid debt
Contact your coworkers, family, or friends about your debt
Ignore a Cease and Desist letter
Refuse to validate your debt
Fail to identify themselves as a debt collector

If Sentry Credit violates your rights, report them. Contact the Federal Trade Commission at 877-382-4357. Or file a complaint with the Consumer Financial Protection Bureau at 855-411-2372.

2. Ask Sentry Credit to validate your debt

Make sure the debt is actually yours. Never admit to owing anything until Sentry Credit provides evidence.

They must show:

The name of the original creditor
The amount of the original debt
The date you incurred the debt
The date of the last payment (if applicable)
The amount of debt remaining
Evidence that connects you to the debt

If Sentry Credit cannot prove the debt is yours, you have a stronger case. Otherwise, your best option is to negotiate a settlement.

Respond to a Debt Collection Lawsuit

What happens if the Sentry Credit debt is valid? They might sue you over unpaid debt.

You need to act fast. Respond to the lawsuit before your state’s deadline. Some jurisdictions only give you two weeks to respond.

If you don’t file a legal Answer in time, the court could issue a default judgment. Sentry Credit would win automatically.

Our partner Solo can help you draft and file your Answer. Don’t miss your deadline to respond.

Settle Your Debt with Sentry Credit, Inc.

Assuming Sentry Credit proves the debt is yours, settlement is your most direct option. Debt settlement stops the phone calls for good.

Debt settlement means you negotiate to pay less than what you owe. Your creditor agrees to accept it as full payment.

Start by offering to pay 60% of the original debt. Your first offer may not be accepted. That’s okay.

Negotiate until you reach a number that satisfies both parties. You won’t pay anything until you reach an official agreement.

Our partner Solo provides a convenient way to negotiate. You’ll never have to deal directly with Sentry Credit.

Use the platform to negotiate a settlement that works for you. The entire process happens online.

Example: Trevor received phone calls from Sentry Credit about a credit card debt. Eventually, Trevor received a lawsuit notice. Rather than deal with the company directly, Trevor used Solo to respond and start negotiations. In a very short time, Trevor settled his debt for less than he originally owed. The repeated phone calls stopped immediately.

Stop Debt Collection Phone Calls

The surest way to stop debt collection calls is to resolve your debt. Settlement lets you pay less than what you originally owed.

You have options when Sentry Credit calls. Verify the debt is yours. Assert your rights under the FDCPA.

If the debt is valid, negotiate a settlement. You can resolve the debt and move forward with your life.

Frequently Asked Questions

What is Sentry Credit, Inc.?

Sentry Credit, Inc. is a debt collection agency based in Everett, Washington. They collect various consumer debts including credit cards, medical bills, student loans, and bank accounts. The company either purchases unpaid debts or collects on behalf of original creditors.

How do I verify a debt from Sentry Credit?

Send a debt validation letter requesting proof. Sentry Credit must provide the original creditor's name, original debt amount, date you incurred the debt, date of last payment, remaining balance, and evidence connecting you to the debt. Never admit to owing until they provide this documentation.

Can Sentry Credit sue me for unpaid debt?

Yes. Sentry Credit can file a lawsuit against you for unpaid debt. If they sue, you must respond before your state's deadline, which can be as short as two weeks. Failing to respond results in a default judgment in their favor.

What are my rights when Sentry Credit calls?

Under the FDCPA, debt collectors cannot call before 8 a.m. or after 9 p.m., call multiple times daily, use threatening language, threaten arrest, contact family or coworkers about your debt, or refuse to validate your debt. You can report violations to the FTC or CFPB.

How can I settle my debt with Sentry Credit?

Start by offering 60% of the original debt amount. Negotiate until you reach an agreement that works for both parties. You can use a debt settlement service to handle negotiations on your behalf so you never have to speak directly with the collector.

Why is Sentry Credit Calling Me? How to Stop the Calls