Troy Capital Lawsuit? Your 3 Moves to Fight Back or Settle

Troy Capital LLC just served you with a lawsuit. The envelope came certified mail, the language sounds threatening, and the amount might be double what you remember owing.

You have between 21 and 30 days to file a written Answer with the court, depending on your state. Miss that deadline, and Troy Capital wins by default—meaning they get a judgment without you ever telling your side. That judgment lets them garnish wages, freeze accounts, or put a lien on your home.

Here's what you need to know, and what to do next.

Who Is Troy Capital and Why Are They Suing You?

Troy Capital LLC is a debt buyer based in Las Vegas. They don't originate loans. They purchase charged-off accounts,debts your original creditor gave up on,for pennies on the dollar, then attempt to collect the full balance plus interest and fees.

Troy Capital files thousands of collection lawsuits annually across the United States. They typically hire local law firms to handle the paperwork and court appearances, which means the lawsuit probably came from an attorney in your city.

The debts they buy often include:

• Credit card accounts from major issuers
• Auto deficiency balances after repossession
• Personal loans and payday advances
• Medical bills sent to collections

If you don't recognize Troy Capital, check the lawsuit paperwork. It should reference the original creditor,Capital One, Synchrony Bank, Santander Consumer USA, or someone similar. Troy Capital bought that account, often years after you stopped paying.

What Happens If You Ignore the Lawsuit

Ignoring the lawsuit is the worst move you can make. Troy Capital counts on it. Roughly 70% of consumers sued for debt never respond, and the collector wins a default judgment,a court order saying you owe the money.

Once Troy Capital has a judgment, they can:

• Garnish up to 25% of your wages (or more in some states)
• Freeze and withdraw money from your bank account
• Place a lien on your property, which must be paid if you sell or refinance
• Renew the judgment for up to 20 years in some states

A judgment also damages your credit for seven years from the filing date, making it harder to rent an apartment, get a car loan, or pass an employment background check.

You avoid all of this by responding before the deadline.

Step 1: File an Answer Within Your State's Deadline

Your first task is to file an Answer,a legal document that tells the court you dispute the lawsuit. This stops the default judgment clock.

Most states give you between 20 and 30 days from the date you were served. Some states, like California, give you 30 calendar days. Others, like New York, give you 20 or 30 days depending on how you were served. Check the lawsuit papers for the exact deadline.

Your Answer should include:

• A statement that you received the complaint
• A response to each claim,admit it, deny it, or say you lack enough information to respond
• Any affirmative defenses, such as statute of limitations, incorrect amount, or lack of proof

You file the Answer with the court listed on the lawsuit, and you send a copy to Troy Capital's attorney. Keep proof of both.

If you're unfamiliar with legal forms, our bankruptcy screener can help determine if filing an Answer makes sense or if you should explore bankruptcy protection instead.

Step 2: Request Validation and Evidence

Once you've filed your Answer, request documentation proving Troy Capital owns the debt and that the amount is accurate. Under the Fair Debt Collection Practices Act, you can demand:

• The original contract or credit agreement
• A complete account statement showing charges, payments, and fees
• Proof that Troy Capital purchased the debt (a bill of sale or assignment)
• The date of last payment and the statute of limitations calculation

Debt buyers often lack this documentation. They purchase accounts in bulk with minimal paperwork,sometimes just a spreadsheet with names and balances. If Troy Capital can't produce evidence, their case weakens significantly.

Send your request in writing to both Troy Capital and their attorney. Use certified mail so you have proof of delivery.

Check the Statute of Limitations

Every state has a statute of limitations on debt,the window in which a collector can sue. It ranges from 3 to 10 years, depending on the state and the type of debt.

If your debt is older than your state's statute, it's time-barred. You can raise this as an affirmative defense in your Answer, and the case should be dismissed. Troy Capital may still try to collect, but they can't win in court.

One warning: making a payment or even acknowledging the debt in writing can restart the clock. Be careful what you say.

Step 3: Negotiate a Settlement Before Trial

Most debt collection lawsuits settle before trial. Troy Capital would rather accept 40 cents on the dollar today than spend months in court hoping to collect the full amount.

Once you've filed your Answer and requested documentation, you're in a stronger position to negotiate. Troy Capital knows you're not going to roll over, and they'll often agree to settle for significantly less than the lawsuit amount.

Start by offering 25% to 30% of the balance as a lump sum. If you can't pay that, propose a payment plan over 6 to 12 months. Be clear about what you can afford, and get everything in writing before you send money.

The settlement agreement should include:

• The exact amount you'll pay
• A statement that this resolves the entire debt
• Confirmation that Troy Capital will dismiss the lawsuit with prejudice (meaning they can't refile)
• An agreement to report the account as settled or paid to the credit bureaus

Do not send money until you have a signed agreement. And do not give Troy Capital access to your bank account. Pay by money order or certified check, and keep copies of everything.

When to Consider Bankruptcy Instead

If you're being sued by Troy Capital and you also owe money to other creditors, bankruptcy might make more sense than settling one lawsuit.

Filing Chapter 7 or Chapter 13 bankruptcy triggers an automatic stay, which stops all collection lawsuits, wage garnishments, and bank levies immediately. The Troy Capital lawsuit gets dismissed, and the debt is either discharged (Chapter 7) or folded into a payment plan (Chapter 13).

Bankruptcy makes sense if:

• You owe more than $10,000 across multiple accounts
• Your wages are already being garnished
• You have little income or assets to protect
• Settling one debt won't stop the flood of other lawsuits

Chapter 7 costs around $350 in court fees plus attorney fees, but it wipes out most unsecured debt in 3 to 4 months. Chapter 13 requires a 3- to 5-year repayment plan, but it stops foreclosure and lets you catch up on secured debts like your car or mortgage.

Use our bankruptcy filing guide to understand which chapter fits your situation and what to expect.

Know Your Rights Under the FDCPA

Troy Capital must follow the Fair Debt Collection Practices Act, a federal law that limits what debt collectors can say and do. Violations give you leverage,and potential damages.

Troy Capital cannot:

• Call you before 8 a.m. Or after 9 p.m.
• Contact you at work if you tell them your employer prohibits it
• Harass, threaten, or use obscene language
• Falsely claim they'll arrest you or garnish your wages without a judgment
• Discuss your debt with friends, family, or coworkers
• Sue you in the wrong state or county
• Continue collection efforts after you send a written cease-and-desist letter

If Troy Capital violates the FDCPA, document it. Save voicemails, letters, and call logs. You can sue them for up to $1,000 in statutory damages, plus actual damages and attorney fees. You can also use the violation as leverage in settlement negotiations.

How Troy Capital Gets Your Contact Information

You might wonder how Troy Capital found you, especially if you moved or changed your phone number. When they buy your debt, they also buy your personal information from the original creditor,your name, Social Security number, last known address, phone numbers, and employment history.

If that information is outdated, Troy Capital uses skip tracing services that aggregate data from public records, utility companies, credit reports, and social media. They can locate you even if you've tried to stay off the grid.

Once they find you, they're allowed to contact you by phone, mail, email, or text,as long as they follow FDCPA rules.

Troy Capital's BBB Rating and Consumer Reviews

Troy Capital LLC is not accredited by the Better Business Bureau, and its profile shows a B rating based on complaint volume and response patterns. Consumer reviews are mixed. Some report straightforward settlements; others complain about aggressive collection tactics and incorrect balances.

If you want to contact Troy Capital directly before or during litigation, use:

• Phone: 702-233-3302
• Mailing address: 2660 S. Rainbow Blvd., Suite D104, Las Vegas, NV 89146
• Email: info@troycapital.com
• Website: https://www.troycapital.com/

Keep in mind that anything you say can be used in court. Stick to written communication so you have a record.

The Bottom Line

Troy Capital bought your debt for a fraction of its value, and they filed a lawsuit to collect the full amount. You have a short window to respond, but that response changes everything. File an Answer, demand proof, and negotiate from a position of knowledge,not fear.