Revco Solutions Lawsuit? How to Settle or Fight Back
Revco Solutions is a real debt collector, but you have legal rights. Respond to lawsuits in writing, demand proof of the debt, and settle only with signed agreements. If you're drowning in multiple debts, bankruptcy might clear everything faster than fighting each collector.
File Your AnswerRevco Solutions just filed a lawsuit against you. Your stomach drops. Maybe they've been calling for weeks. Maybe the first you heard was the summons taped to your door.
Here's what happens next: You have roughly 20 days (sometimes less) to respond. If you ignore the lawsuit, Revco wins by default. They get a judgment. They can garnish your wages, freeze your bank account, or put a lien on your property.
But if you respond correctly, you shift the odds. Most debt collection lawsuits settle or get dismissed. Revco knows this. They're counting on you not knowing it.
What Revco Solutions Actually Is
Revco Solutions operates out of Columbus, Ohio. Until 2020, they went by Credit Bureau Collection Services (CBCS). The rebrand didn't change what they do: buy old debts for pennies on the dollar, then try to collect the full amount plus interest and fees.
They specialize in medical debt from hospitals and clinics. They also chase utility bills, government debts, and retail accounts. If you stopped paying a hospital bill 18 months ago, there's a decent chance Revco bought that debt for $200 and is now suing you for $3,000.
Revco is not accredited by the Better Business Bureau. Their BBB rating sits at B, with dozens of complaints citing harassment, calls to wrong numbers, and attempts to collect debts people never owed. One complaint in 2023 detailed 47 calls in a single week to a woman whose only connection to the debtor was sharing the same last name.
Your Legal Rights When Revco Contacts You
The Fair Debt Collection Practices Act (FDCPA) sets hard limits on what Revco can do. They cannot:
- Call you before 8 a.m. Or after 9 p.m. In your time zone
- Contact you at work if you tell them (in writing) your employer prohibits it
- Discuss your debt with anyone except you, your spouse, or your attorney
- Threaten legal action they don't intend to take
- Continue calling after you send a written cease-and-desist letter
If Revco violates the FDCPA, you can sue them. Damages can reach $1,000 per violation, plus attorney fees. Courts have awarded thousands more when collectors rack up repeat offenses.
Start by requesting debt validation. Within five days of first contacting you, Revco must send a validation notice listing the debt amount, the original creditor, and your right to dispute it. If they don't, they've broken the law. If you dispute the debt in writing within 30 days, they must stop collection efforts until they provide proof.
How to Respond to a Revco Solutions Lawsuit
You cannot negotiate your way out of a lawsuit by talking on the phone. You need a written Answer filed with the court. This document tells the judge you're contesting the case. Without it, Revco gets a default judgment.
Your Answer should include:
- A response to each numbered allegation in Revco's complaint (admit, deny, or state you lack sufficient information)
- Affirmative defenses such as statute of limitations, lack of standing, or failure to provide a signed contract
- A demand for proof that Revco owns the debt and has the legal right to sue
File your Answer with the court clerk and mail a copy to Revco's attorney. Most states require this within 20 to 30 days of being served. Miss that deadline by even one day, and you lose your chance to fight.
If writing legal documents sounds impossible, tools exist to help. Some generate Answers based on your state's rules. Others connect you with attorneys for flat fees under $500.
Common Defenses That Work
Debt buyers like Revco often have weak cases. They rarely have the original signed credit agreement. They may lack a complete chain of title showing they legally own the debt. Use that.
The statute of limitations is your strongest weapon. Most states bar lawsuits on debts older than three to six years. If Revco sued you on a seven-year-old medical bill in Ohio (where the limit is six years), the case gets dismissed. But you have to raise this defense in your Answer. The judge won't do it for you.
Another defense: improper service. If Revco claims they served you but you never received the summons, the court may invalidate the lawsuit. Document everything. If they taped papers to your door when the law requires hand delivery, that's grounds for dismissal.
Should You Settle With Revco Solutions?
Settling can make sense if the debt is real, the amount is manageable, and fighting would cost more in stress and time. Revco routinely accepts 40% to 60% of the claimed balance. On a $5,000 debt, you might settle for $2,500 paid over six months.
But get everything in writing before you pay a dime. Your settlement agreement must state:
- The exact amount you'll pay
- The payment schedule
- That this payment settles the debt in full
- That Revco will request dismissal of the lawsuit (if one is active)
- How they'll report the settlement to credit bureaus (ideally as "paid in full" or deletion)
Never agree to terms over the phone. Collectors lie. They promise to delete the account from your credit report, you pay, then the account stays. Without a signed agreement, you have no proof.
Start negotiations low. If Revco bought your $4,000 debt for $400, they profit at anything above that. Offer 25% as your opening bid. They'll counter. Land somewhere between 40% and 50%, paid in a lump sum if you can swing it. Lump sums get bigger discounts than payment plans.
What Happens After You Settle
Once you pay, Revco files a dismissal with the court. The lawsuit ends. But the account may still appear on your credit report as "settled for less than owed." This is better than a judgment, but it still hurts your score.
Some consumers negotiate deletion as part of the settlement. Revco agrees to remove the account from all three credit bureaus (Experian, Equifax, TransUnion) in exchange for payment. This is called "pay for delete." Not every collector will do it, and credit bureaus discourage it, but it's legal. If deletion matters to you, demand it in writing before you settle.
When Bankruptcy Makes More Sense
If Revco is suing you and you're also facing other lawsuits, wage garnishments, or debts you can't possibly repay, bankruptcy might be your best move. A Chapter 7 filing wipes out most unsecured debts (credit cards, medical bills, personal loans) in four to six months.
Filing bankruptcy triggers an automatic stay. All lawsuits, garnishments, and collection calls stop immediately. Revco cannot contact you. If they try, they're in contempt of court.
The median Chapter 7 case costs around $1,500 in attorney fees plus a $338 filing fee. Many attorneys offer payment plans. If you're below your state's median income (about $50,000 for a single person in most states), you likely qualify.
Bankruptcy does damage your credit. It stays on your report for seven to ten years. But so does a judgment from Revco. The difference: bankruptcy clears the slate. A judgment just sits there, accruing interest, while Revco tries to collect.
Not sure if bankruptcy is right for you? Answer a few questions and find out if you qualify.
How to Stop Revco From Calling
Send a cease-and-desist letter. One paragraph does the job:
"I am writing to request that you cease all communication with me regarding the alleged debt referenced in your letter dated [date]. This letter is sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692c(c). Do not contact me by phone, mail, email, or any other method except to confirm receipt of this letter or to notify me of specific legal action you are taking."
Mail it certified with return receipt. Once Revco receives it, they can only contact you to confirm they've stopped or to inform you they're filing a lawsuit.
Be aware: stopping calls doesn't stop lawsuits. It just stops the harassment. If Revco intends to sue, they'll sue whether you talk to them or not.
What If You Already Have a Judgment?
If you ignored the lawsuit and Revco won a default judgment, you're not out of options. You can file a motion to vacate the judgment if you were never properly served or if you have a legitimate defense. Courts grant these motions more often than you'd think, especially when collectors cut corners on service.
Once Revco has a judgment, they can garnish up to 25% of your disposable income (after taxes and mandatory deductions). In some states, they can freeze your bank account and take whatever's in it, up to the judgment amount.
You can still negotiate. Revco would rather settle for 60% paid now than chase garnishments for years. Offer a lump sum or a structured payment plan in exchange for a satisfaction of judgment. Get it in writing. Once you pay, they file the satisfaction with the court, and the judgment lifts.
The Bottom Line
Revco Solutions is a legitimate debt collector, but legitimacy doesn't mean they play fair. They bought your debt cheap and will use every legal (and sometimes illegal) tactic to collect. You win by knowing the rules and using them.
If they sue, respond in writing. If they call, document it. If you settle, get it in writing. If the debt is too much, bankruptcy exists for this exact reason. You're not powerless here. You just need to move first.