Sued by D&A Services? How to Settle and Win in Court

A creditor may assign or sell your debt to a collection agency. The agency buys your debt and works to collect it. If you don’t pay, you could end up in court. D&A Services may be suing you right now. You can fight back and settle this debt.

What is D&A Services?

D&A Services, LLC is a third-party debt collector in Illinois. Previously known as Dynia & Associates, the company has operated for 18 years. The Better Business Bureau gives them an A rating.

Respond to D&A Services in Minutes

Don't let D&A Services win by default. Get help drafting your Answer and filing it with the court before your deadline expires.

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You can contact D&A Services using these details:

Phone: 877-314-4308
Email: contact@dnasllc.com
Address: 1400 East Touhy Ave, Ste. G2, Des Plaines, IL 60018
Website: dnasllc.com

Who Does D&A Services Collect For?

D&A Services collects debts at every stage of collection. They work for clients across multiple industries:

Credit card companies
Personal loan lenders
Payday loan companies
Small businesses
Auto lenders
Hospitals

Any company that lends money may use D&A Services to collect.

Read D&A Services Reviews Before Negotiating

Online reviews provide insight into dealing with D&A Services. Check reviews on Google, the Better Business Bureau, and the CFPB consumer database. Learning from others helps you engage with them effectively.

Understand the Debt Collection Lawsuit Timeline

You need to understand the debt lawsuit process. Verify the debt before paying anything. Scams exist, so research is critical. Here’s the typical timeline:

After 180 days past due, a debt collector may call you
Within five days of contact, they must send written verification
You have 30 days to dispute inaccurate information
If validation succeeds, they can file a lawsuit against you
You have 14 to 30 days to respond to the lawsuit
You must file a written Answer to avoid default judgment

Default judgment gives D&A Services the right to garnish wages. They can seize your property. You must respond before the deadline.

Validate the Debt Before Paying

Debts change hands, and information gets lost. The debt may be invalid. Common reasons include:

Past the statute of limitations
Incorrect amount listed
Already paid off
Fraudulent debt

Send a debt validation letter if any issues apply. The collector must prove the debt is yours.

How to Respond to a D&A Services Lawsuit

D&A Services sent you a Summons and Complaint. Respond before the deadline to avoid default judgment. File a written Answer with the court. Our partner Solo can help you draft and file your response.

Draft Your Written Answer

The Complaint contains allegations against you. Respond to each allegation formally. You have three response options:

Admit: You agree with the allegation
Deny: The allegation is false or unproven
Deny due to lack of knowledge: You don’t understand the claim

The burden of proof is on D&A Services. Denying claims keeps the burden on them.

Assert Your Affirmative Defenses

Include affirmative defenses in your Answer. You cannot bring them up later. Common defenses include:

The account is not yours
The contract was canceled
The statute of limitations expired
The debt was paid or excused
The debt was partially paid

Strong defenses increase your chances of winning.

File Your Answer with the Court

File the original Answer with the court. Send a copy to D&A Services’ lawyer. Filing an Answer is just the first step. Attend all hearings and respond to court documents. You can also negotiate with D&A Services after filing.

How to Settle a Debt with D&A Services

You can settle at any time during collection. Settlement saves time, money, and stress for both parties. Most collectors prefer settlement over lengthy court battles.

Follow these steps to reach a settlement agreement:

Review your finances carefully. Determine what you can afford to pay.
Contact D&A Services with your settlement offer. Follow up in writing.
Be prepared to negotiate. They may send a counteroffer.
Get the agreement in writing. Keep signed copies as proof.
Pay the agreed amount on time.

Our partner Solo can help you draft correspondence and track negotiations. They provide a secure payment method for final settlement.

What Happens If You Ignore the Lawsuit

Ignoring a lawsuit from D&A Services leads to default judgment. The court rules in their favor automatically. They can garnish your wages without further notice. They can freeze your bank accounts. They can place liens on your property.

Default judgment stays on your credit report for seven years. Your credit score drops significantly. Future lenders see the judgment when you apply for credit.

You must respond to the lawsuit. Action protects your rights and your finances.

Negotiate a Lower Settlement Amount

D&A Services bought your debt for pennies on the dollar. They profit even when accepting less than the full balance. Start your offer at 30 to 50 percent of the total debt.

The collector may counter with a higher amount. Negotiate until you reach an affordable agreement. Never agree to pay more than you can afford.

Get every agreement in writing before paying. The written agreement protects you from future collection attempts.

Protect Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collectors. D&A Services must follow specific rules when contacting you:

No calls before 8 AM or after 9 PM
No contact at work if you tell them not to
No harassment, threats, or abusive language
No false statements about the debt or legal action
No contact after you request validation in writing

Document any violations. File a complaint with the CFPB. You may have grounds to countersue D&A Services.

Consider Your Options If You Can’t Pay

You may not be able to settle or pay the debt. Other options exist for dealing with D&A Services:

Request a payment plan spread over several months
Challenge the debt if it’s past the statute of limitations
Dispute the debt if the amount is wrong
Consult with a bankruptcy attorney about debt discharge

Bankruptcy stops collection efforts immediately. Chapter 7 can discharge unsecured debts entirely. You may qualify for a fresh financial start.

Frequently Asked Questions

What is D&A Services and why are they suing me?

D&A Services is a third-party debt collector based in Illinois. They buy debts from creditors or get paid to collect debts for credit card companies, lenders, and hospitals. They sue when you don't pay the debt after their collection attempts.

How do I respond to a D&A Services lawsuit?

File a written Answer with the court before the deadline, typically 14 to 30 days. Respond to each allegation by admitting, denying, or denying due to lack of knowledge. Include affirmative defenses like expired statute of limitations or incorrect debt amount. Send a copy to D&A Services' attorney.

Can I settle a debt with D&A Services for less than I owe?

Yes, you can negotiate a settlement for less than the full balance. Start by offering 30 to 50 percent of the total debt. D&A Services bought your debt cheaply, so they profit even when accepting less. Get the settlement agreement in writing before paying.

What happens if I ignore a lawsuit from D&A Services?

Ignoring the lawsuit leads to default judgment. D&A Services can garnish your wages, freeze bank accounts, and place liens on property. The judgment stays on your credit report for seven years and significantly damages your credit score.

How do I validate a debt from D&A Services?

Send a debt validation letter within 30 days of their first contact. D&A Services must prove they own the debt, the amount is correct, and the statute of limitations hasn't expired. They cannot continue collection efforts until they provide validation.

Sued by D&A Services? Here’s How to Settle and Win