Absolute Resolutions Investments Is Suing Me: How to Settle
If Absolute Resolutions Investments is suing you, respond within 35 days to avoid a default judgment. Draft an Answer document that denies claims and asserts affirmative defenses like expired statute of limitations. You can also negotiate a settlement for less than the full amount owed.
Answer Your LawsuitYou’ve been served by Absolute Resolutions Investments LLC. You need to fight back.
Ignoring the lawsuit is the worst move you can make. You have up to 35 days to respond before you lose by default.
Respond to Absolute Resolutions in 15 Minutes
Don't let ARI win by default. Draft your Answer document now and protect your wages from garnishment. Time is running out.
Fight Back NowHere’s how to beat ARI in court and protect yourself.
What Is Absolute Resolutions Investments LLC?
Absolute Resolutions Investments LLC is a debt buyer headquartered in Minnesota. They purchase old debt accounts from credit card companies and banks at discounted prices.
After buying the debt, they contact you to collect the full amount originally owed. The company also operates under the name Absolute Resolutions Corporation.
ARI typically works with Stenger & Stenger, P.C. to file lawsuits. Joe Jammal, Preston Nate, and Joshua Stiers frequently represent the company in court.
Check your court documents for these names. They specialize in suing people for debt.
Many of ARI’s lawsuits lack proper assignment or title paperwork. They often cannot prove their case, giving you a strong chance to win.
Our partner Solo helps you respond to debt collectors and fight back effectively.
How to Contact Absolute Resolutions Investments
Need to reach ARI? The ARI-RES website redirects to Absolute Resolutions Corporation’s site.
Both names refer to the same company. Use these contact methods:
- Phone: 1-800-713-0670
- Phone: 1-619-564-6400
- Email: info@absoluteresolutions.com
Their physical address:
Absolute Resolutions Corporation
8000 Norman Center Dr., #350
Bloomington, MN 55437
ARI Has Terrible Consumer Reviews
Feeling frustrated with Absolute Resolutions? You’re not alone.
The company has two Better Business Bureau profiles. Together, they’ve received over 50 complaints.
The Consumer Financial Protection Bureau has logged 98 complaints against ARI over ten years.
Common complaints include:
- Collecting debts that don’t belong to the consumer
- Failing to validate debts properly
- Pursuing victims of identity theft
- Making it difficult to resolve issues
One consumer reported: “I contacted the company and let them know this was a fraudulent account. I filed a police report and an identity theft affidavit. Absolute Resolutions has denied my claim and is refusing to review any documentation.”
Many complaints show ARI violates the Fair Debt Collection Practices Act. Knowing your rights protects you from unfair tactics.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects you from abusive collection methods. Debt collectors have used some terrible tactics to collect money.
The FDCPA prevents this abuse. ARI cannot legally do any of these things:
- Demand more than you actually owe
- Charge interest or fees not originally agreed to
- Call before 8 a.m. or after 9 p.m.
- Use obscene or threatening language
- Threaten you with violence
- Lie about their identity
- Discuss your debt with friends, family, or coworkers
- Contact you at work after being told not to
- Continue collection without providing debt verification
Did ARI use any of these tactics? You may be eligible for compensation.
Report violations to the Federal Trade Commission. Consider filing a counterclaim if you’re already being sued.
Send a Debt Validation Letter to ARI
All debt collectors must prove the debt is yours. They must verify every account detail is accurate.
Absolute Resolutions often fails to provide accurate account details. Requesting debt validation is a powerful defense strategy.
A Debt Validation Letter asserts your rights under the FDCPA. The letter demands proof you owe the debt.
It also requires them to stop contacting you and report the debt as disputed. If ARI can’t provide proper evidence, they may stop contacting you entirely.
Many debt collectors drop cases when consumers demand validation. Send your letter as soon as possible after first contact.
Why Is Absolute Resolutions Suing Me?
Debt collectors sue because you have an outstanding balance. If calls, texts, and letters don’t work, they escalate to lawsuits.
Sometimes it’s identity theft or fraud. Report such cases to the FTC immediately.
Whatever the reason, don’t ignore the Summons and Complaint. Too many consumers ignore lawsuits hoping they’ll disappear.
Bad strategy. Fight back instead.
How to Respond to an ARI Lawsuit
You receive court documents called the Summons and Complaint. The Summons notifies you of the case.
The Complaint lists specific claims against you. You have up to 35 days to respond, depending on your state.
Miss this deadline and ARI can request a default judgment. With a default judgment, they can garnish your wages and seize property.
Respond quickly. Follow these three steps:
- Respond to each claim in the Complaint
- Assert your affirmative defenses
- File your Answer with the court and send a copy to ARI
Our partner Solo helps you draft and file your Answer document professionally.
Step 1: Respond to Each Claim
The Complaint lists all claims ARI makes against you. Your Answer document must respond to each claim individually.
Use one of these three responses:
- Admit: The claim is true
- Deny: Demand they prove it
- Deny due to lack of knowledge: You don’t know if it’s true
Most attorneys recommend denying as many claims as possible. Denial puts the burden of proof on Absolute Resolutions.
They must provide documentation for every denied claim. If they can’t prove their claims, they might drop the case.
Step 2: Assert Your Affirmative Defenses
Your Answer must include affirmative defenses. An affirmative defense is any legal reason ARI shouldn’t win.
The most common defense is expired statute of limitations. The statute of limitations determines how long creditors can sue you.
Each state has different rules, typically between four to six years. The clock starts on the last day you were active on the account.
Making a payment can restart the statute of limitations. Never pay without checking if the debt is time-barred.
Example: Sarah lives in Alaska. She stopped paying her credit card in March 2019. Alaska’s statute of limitations for credit card debt is three years. The statute expired in March 2022. If Sarah pays even $5 now, she reopens the statute and ARI can sue.
Step 3: File Your Answer
After drafting your Answer, file it with the court immediately. You can file in person, by mail, or electronically if permitted.
Send a copy to ARI’s attorneys via certified USPS mail. Their address is on your Summons document.
Request a return receipt to prove delivery. Keep copies of everything for your records.
Settle Your Debt With ARI
Know you owe the debt? Consider negotiating a settlement offer.
Absolute Resolutions buys old debts for pennies on the dollar. They typically settle for less than you originally owed.
You can save money and avoid court. Settlement gets ARI off your back permanently.
Example: Franklin owed $1,000 on his credit card. ARI bought the debt for $300 and sued Franklin. He negotiated a settlement of $500. Franklin paid half the original debt, and ARI still made a profit.
Start settlement negotiations early. The sooner you engage, the better your deal.
You Can Beat Absolute Resolutions Investments
Lawsuits are intimidating, but you can win. Follow these steps to protect yourself:
- Know your rights under the FDCPA
- Send a Debt Validation Letter immediately
- Never ignore the lawsuit
- Draft an Answer responding to all claims
- Assert your affirmative defenses
- File your Answer with the court
- Consider settling the debt out of court
You don’t need an attorney to fight back. Our partner Solo provides all the documents and guidance you need.
Take action today. Protect your wages, your property, and your future.