Win Debt Lawsuit Against Security Credit Services

Security Credit Services has sued you for a debt. You have options to fight back and win.

Security Credit Services is a debt collection agency. They buy old debts cheap and sue aggressively. You have up to 35 days to respond. Miss that deadline and you lose automatically.

Respond to Security Credit Services in 15 Minutes

Don't let Security Credit Services win by default. Draft your Answer now and file before your deadline expires. Our partner Solo guides you through every step.

Answer SCS Lawsuit Now

Our partner Solo helps you draft and file your Answer. You can beat them in court.

What Is Security Credit Services?

Security Credit Services goes by another name: EquiPro Investments. They operate from Oxford, Mississippi.

SCS buys charged-off debts from banks and retailers. They pay pennies on the dollar. Then they sue you for the full amount.

Contact Information:

Security Credit Services, LLC
P.O. Box 1156
Oxford, MS 38655
Phone: (866) 699-7889

Make Security Credit Services Prove You Owe the Debt

Your debt has likely been sold multiple times. SCS probably doesn’t have complete records.

Challenge them by requesting proof. Send a Debt Validation Letter. Demand they provide:

Original creditor name and details
Complete breakdown of the debt
Original signed agreement
Full account balance history
Statement about disputing within 30 days

Many collectors can’t provide this documentation. Without it, they often withdraw the lawsuit.

Your validation request must go out quickly. Do it before your response deadline.

Security Credit Services Has Terrible Reviews

You’re not alone in your frustration with SCS. Their reputation speaks volumes.

The Better Business Bureau received 149 complaints in three years. The Consumer Financial Protection Bureau logged 886 complaints over ten years. Google reviewers give them 1.5 stars out of 5.

Common complaints include violations of the Fair Debt Collection Practices Act:

Refusing to validate debts after requests
Attempting collection on wrong person’s debt
Calling at inappropriate hours
Leaving excessive voicemails and emails
Using rude and unprofessional language
Reporting incorrect information to credit bureaus

SCS violations give you leverage. Document everything they do wrong.

Report FDCPA violations to the FTC. Submit complaints to the Consumer Financial Protection Bureau. Contact your state attorney general’s office.

File a Counterclaim Against Security Credit Services

Defense isn’t your only option. Go on offense.

File a counterclaim for FDCPA violations. If you win, you could receive $1,000 per violation. You might also get court costs and punitive damages.

Consider this example: Mike owed $1,190 according to SCS. They called repeatedly before suing. He sent a Debt Validation Letter. They never responded.

SCS sued him anyway. Mike filed an Answer and a counterclaim. SCS offered to settle for $300. Mike refused and proceeded to trial.

Result: Mike paid nothing and received $1,000 in compensation.

Your counterclaim should detail every FDCPA violation. Include dates, times, and specific actions. Evidence matters.

Respond to the Lawsuit Before Your Deadline

Your deadline varies by state. Most states give you 21 to 35 days. Check your Summons for the exact date.

Miss this deadline and you face default judgment. SCS can then:

Garnish your wages
Freeze your bank accounts
Put liens on your property
Collect attorney fees and court costs

Most people don’t respond to lawsuits. Debt collectors count on this. Your response alone puts you ahead.

Our partner Solo helps you draft a proper Answer in 15 minutes. Your response might prompt an immediate settlement offer.

Six Tips for Drafting Your Answer

Your Answer is a legal document. Format and content both matter.

1. Keep It Simple and Direct

Don’t write your life story. Avoid explaining your financial hardships in detail. Save that for settlement negotiations.

Your Answer should respond to each claim. Admit, deny, or deny due to lack of knowledge.

2. Deny Most Claims

Deny every claim you can honestly deny. Each denial forces SCS to prove their case.

Security Credit Services bought your debt from someone else. They might lack proper documentation. Make them prove everything.

3. Assert Affirmative Defenses

After responding to claims, list your defenses. These are legal reasons SCS should lose.

Common defenses include:

Statute of limitations expired
Debt already paid or discharged
Wrong person sued
Amount claimed is incorrect
Lack of documentation

4. Use Professional Formatting

Courts expect standard legal format. Include a caption with court name, case number, and party names.

Use readable fonts and standard margins. Number your paragraphs. Make it look professional.

5. Include a Certificate of Service

Prove you sent a copy to SCS attorneys. Your certificate of service does this.

Include the date and method of delivery. Sign the certificate.

6. Sign Your Answer

Courts reject unsigned documents. Sign your Answer before filing.

Some courts accept electronic signatures. Others require wet signatures. Know your court’s rules.

Check the Statute of Limitations on Your Debt

Every state limits how long collectors can sue you. These are called statutes of limitations.

The clock starts from your last account activity. If you haven’t made payments in years, the statute might have expired.

Warning: Making even one payment restarts the clock. Don’t pay anything until you check your statute of limitations.

Statute of limitations periods vary by state. They range from three to ten years. Most states use three to six years.

Consider this example: Leo from Utah owed $890 to SCS. The debt was over six years old. Utah’s statute of limitations is six years.

SCS sued anyway. Leo used the expired statute as an affirmative defense. SCS had to withdraw the case.

If your statute expired, raise it in your Answer. Include it as an affirmative defense. Move to dismiss the case.

Check Your Credit Report for Errors

Collection agencies report debts to credit bureaus. They often make mistakes.

Get your free credit report from all three bureaus: TransUnion, Experian, and Equifax. You’re entitled to one free report annually.

Review every detail about the SCS debt. Look for:

Wrong debt amounts
Incorrect dates
Debts you don’t recognize
Duplicate entries
Wrong account status

Find an error? Dispute it immediately. Send dispute letters to all three bureaus.

The bureaus must investigate within 30 days. They’ll contact SCS to verify. If SCS can’t verify, they must remove the entry.

Credit report errors strengthen your court case. They show SCS has inaccurate information. They might indicate FDCPA violations.

What to Do When Security Credit Services Sues You

Follow these steps to fight back effectively:

Document all contact from Security Credit Services. Note any FDCPA violations.
Send a Debt Validation Letter immediately. Demand complete proof.
Check your state’s statute of limitations. Calculate from your last payment date.
Review your credit reports for errors. Dispute any inaccuracies you find.
Draft and file your Answer before the deadline. Use the six tips above.
Consider filing a counterclaim for FDCPA violations. Potential compensation is $1,000 per violation.
Gather all documentation about the debt. Include payment records and correspondence.
Attend all court hearings. Failure to appear results in default judgment.

You don’t need a lawyer to beat SCS. You need the right strategy and timely action.

Our partner Solo provides everything you need. Their Answer form guides you through each step. They review your document before filing.

Security Credit Services counts on you doing nothing. Prove them wrong. Respond to the lawsuit and protect your rights.

Frequently Asked Questions

What is Security Credit Services and why are they suing me?

Security Credit Services (also called EquiPro Investments) is a debt collection agency based in Oxford, Mississippi. They buy old, charged-off debts from banks and retailers at a discount, then sue consumers to collect the full amount. They specialize in aggressive collection tactics and often sue even when they lack complete documentation.

How do I respond to a Security Credit Services lawsuit?

Respond by filing a written Answer with the court before your state's deadline (usually 21-35 days). In your Answer, deny claims you can honestly deny, assert affirmative defenses like expired statute of limitations, and include a certificate of service proving you sent a copy to SCS's attorney. You should also send a Debt Validation Letter demanding they prove you owe the debt.

Can I file a counterclaim against Security Credit Services?

Yes, you can file a counterclaim if Security Credit Services violated the Fair Debt Collection Practices Act. Common violations include failing to validate debt, calling at inappropriate hours, using abusive language, or reporting incorrect information. If you win your counterclaim, you may receive $1,000 per FDCPA violation plus court costs and other damages.

What happens if I don't respond to the Security Credit Services lawsuit?

If you miss your response deadline, the court will likely grant Security Credit Services a default judgment. This allows them to garnish your wages, freeze your bank accounts, place liens on your property, and collect attorney fees and court costs from you. Always respond before the deadline to avoid automatic loss.

How do I know if the statute of limitations has expired on my debt?

Check your state's statute of limitations for debt collection, which typically ranges from 3-6 years. The clock starts from your last payment or account activity. If you haven't made a payment in several years and the statute has expired, Security Credit Services cannot legally sue you. You can use this as an affirmative defense to get the case dismissed.

Win Your Debt Lawsuit Against Security Credit Services