Why is Trellis Company Calling Me? How to Respond

Trellis Company is likely contacting you about student loan debt. You can take action now to resolve your debt and avoid a lawsuit.

Student loans are challenging enough without debt collectors calling. When Trellis Company contacted you, it probably triggered some anxiety. You can act quickly to resolve your debt while avoiding court and credit damage.

Is Trellis Company Legit?

Trellis Company operates out of Round Rock, Texas. The organization is a nonprofit that partners with educational and financial institutions.

Trellis manages enrollment and student experiences. The company also handles debt collection for federal student loans made under the Federal Family Education Loan Program.

Trellis Company Has a Mixed Reputation

Trellis Company carries several red flags you should know about. The Better Business Bureau lists numerous complaints against Trellis. The company is not BBB accredited.

The Consumer Financial Protection Bureau database also contains multiple complaints. Trellis Company has a low Google rating of 1.6 out of 5 stars.

Many complaints come from consumers contacted in error. You must validate your debt before responding to Trellis Company. Some borrowers report aggressive tactics and poor communication.

Contact Information for Trellis Company

Trellis Company can pursue your debt and report you to credit bureaus. The company works directly with your student loan provider.

You can call Trellis Company at 512-219-5700 or 800-252-9743. Mail correspondence should go to Trellis Borrower Services, P.O. Box 659602, San Antonio, TX 78265-9602.

The company’s main office is located at 301 Sundance Pkwy, Round Rock, TX 78681. For collections matters, email collections@trelliscompany.org to discuss debt resolution.

If Trellis has sued you, don’t contact them before filing your Answer. Our partner Solo can help you respond to the lawsuit properly.

How to Respond to Trellis Company

Your first step is addressing Trellis Company directly. You need to determine whether your debt is legitimate. Here’s how to handle aggressive collectors or lawsuit threats.

Report FDCPA Violations by Trellis Company

The Fair Debt Collection Practices Act protects you from abusive collectors. FDCPA prevents collectors from specific actions against you.

Debt collectors cannot call before 8 a.m. or after 9 p.m. They cannot contact you multiple times per day. Collectors must stop calling after receiving a Cease and Desist Letter.

Trellis Company cannot use vulgar, offensive, or intimidating language. They cannot threaten you with arrest for non-payment. Collectors must validate your debt when requested.

Trellis cannot contact your friends, family, or coworkers about your debt. Has Trellis Company violated any of these restrictions?

You can report violations to the Federal Trade Commission at ftc.gov or by calling 877-382-4357. The CFPB accepts complaints online at consumerfinance.gov or by phone at 855-411-2372.

Validate Your Debt from Trellis Company

Determine whether your debt is legitimate before paying anything. Request that Trellis Company send you a Debt Validation Letter.

The validation letter must include specific information:

• Your original creditor’s name
• The exact amount you owe
• Evidence that the debt belongs to you
• The age of the debt
• The date of your most recent payment

Failing to provide debt validation is an FDCPA violation. You can report Trellis Company if they refuse to validate.

Respond to Lawsuits with an Answer

Has Trellis Company sued you over student loan debt? You must act immediately to protect yourself.

You typically have only two to four weeks to file an Answer. The deadline depends on your jurisdiction and the court handling your case.

Failing to file an Answer allows the judge to rule against you. A default judgment gives Trellis Company legal power to garnish your wages.

Our partner Solo helps you draft and file your Answer to the court. You can respond to each claim Trellis makes in the lawsuit.

Filing an Answer doesn’t erase your debt. But it prevents a default judgment and gives you time to negotiate.

How to Resolve Your Debt with Trellis Company

If Trellis Company cannot validate your debt, you may win in court. Otherwise, your best option is negotiating a lower settlement amount.

Debt collectors often accept reduced payments to avoid litigation costs. Trellis Company may prefer a quick settlement over a lengthy court battle.

Send a Settlement Letter to Trellis Company

Start by sending a settlement offer to Trellis Company. Your goal is opening negotiations while protecting your interests.

Begin by offering to pay 60% of the total debt. Trellis Company may accept this initial offer outright.

If they reject your offer, Trellis will likely present a counteroffer. You can accept, reject, or counter their proposal again.

The negotiation process helps you find a mutually acceptable solution. Our partner Solo can help you draft your settlement offer and handle negotiations.

Document Your Settlement Agreement in Writing

Never accept a verbal settlement offer from Trellis Company. Debt collectors sometimes agree to settlements verbally but then pursue judgments anyway.

Get every settlement agreement in writing before making any payment. Save all written correspondence including emails and letters.

Your paper trail proves your settlement agreement if disputes arise later. Keep copies of all payment confirmations and settlement documents.

Take Action Against Trellis Company Today

Student loan debt feels overwhelming when collectors start calling. You have rights and options when dealing with Trellis Company.

Validate your debt first to confirm it’s legitimate. File an Answer if you’ve been sued to prevent default judgment.

Negotiate a settlement to resolve your debt for less than you owe. Document everything in writing to protect yourself throughout the process.