If Credit Corp Solutions has sued you or is pressing you to pay, a Credit Corp Solutions lawsuit is winnable or settleable more often than it looks: respond before your court deadline, demand written validation of the debt, and either challenge the company’s paperwork or negotiate a payoff for less than the balance. Credit Corp Solutions is a Utah-based debt buyer that purchases delinquent credit card, personal loan, and retail financing accounts at a steep discount and then tries to collect the full balance.1Credit Corp Solutions. Credit Corp Solutions Because it buys debts cheaply, and because it does not always hold the documents needed to prove ownership in court, consumers have real leverage.
The company also operates under the names Tasman Credit, Tasman Credit Corp, and Credit Corp Collections Agency, so a letter or summons from any of those is the same collector.2Better Business Bureau. Credit Corp Solutions Inc BBB Profile
Responding to a Lawsuit From Credit Corp Solutions
The single most important thing is filing a written answer with the court before your deadline. Deadlines vary by state and court level. In Texas, for example, consumers have 14 days to respond to a suit filed in Justice of the Peace Court and 20 days in County or District Court.3Texas Debt Law. Being Sued by Credit Corp Solutions Inc in Texas Your summons will state the exact deadline that applies to you.
If you miss the deadline, the court will typically enter a default judgment for Credit Corp Solutions. That judgment can be enforced through wage garnishment, frozen bank accounts, and liens on property.4Cannon Legal. Credit Corp Solutions Debt Lawsuits Debt buyers rely on default judgments; the business model depends on consumers not showing up. When someone does respond, the calculus changes. One reported Texas case saw Credit Corp Solutions voluntarily dismiss a $2,100 collection suit within two days of the consumer hiring an attorney.5Paramount Law. Credit Corp Solutions Lawsuit Dismissed
Defenses That Have Worked in Court
Because Credit Corp Solutions is not the original lender, it has to prove it actually owns your debt. Courts have repeatedly found gaps in how the company documents that ownership.
In Credit Corp Solutions, Inc. v. Christie, a 2019 case in Kings County Civil Court in New York, the court denied Credit Corp’s motion for summary judgment. The company’s affidavit came from its own Legal Administrative Officer rather than someone with firsthand knowledge of the original account or the assignment, it failed to establish a clear chain of title from the original creditor Synchrony Bank to itself, and it did not show the consumer had been notified that the debt was sold.6Justia. Credit Corp Solutions Inc v. Christie The judge also observed that most defendants in consumer debt cases appear pro se and struggle with the procedural complexity, which is part of why these cases so often end in default.
The practical defense checklist that emerges from these cases:
- Demand proof of the full chain of title from the original creditor to Credit Corp Solutions.
- Demand proof that your specific account was included in the portfolio sale, not just a generic bill of sale for a bulk purchase.
- Demand proof that you were notified the debt was assigned.
- Challenge the amount claimed, particularly any interest or fees added after the account was charged off.
- Raise the statute of limitations if the debt is old enough that your state bars suit on it.
- Assert identity theft if the account is not yours.
Not every defense theory works. In Chenault v. Credit Corp Solutions, a federal court in the Eastern District of Pennsylvania held that filing a collection lawsuit without immediately attaching signed agreements does not by itself violate the Fair Debt Collection Practices Act, and that suing to collect is not FDCPA harassment simply because the creditor lacks proof at the moment of filing.7McGuireWoods. Chenault v. Credit Corp Solutions Inc. Opinion The lesson is that a defense based on missing paperwork belongs inside the state collection case, as a challenge to the company’s proof of its claim, not as a separate FDCPA suit.
Settling With Credit Corp Solutions for Less Than You Owe
Credit Corp Solutions buys debt portfolios at a fraction of face value, which is why there is usually room to settle for less than the balance on the letter. Amounts vary based on the strength of the company’s documentation, the age of the debt, and your financial circumstances. One reported settlement resolved a $13,602.36 debt for $9,522.56, saving the consumer roughly $4,080.8Fullman Firm. Credit Corp Solutions Inc Results
The company itself says it offers repayment plans built around each consumer’s income, expenses, and living costs after an assessment.1Credit Corp Solutions. Credit Corp Solutions In practice, that means the first offer is rarely the best one.
How to Negotiate Safely
A few rules protect you from settling into a worse position than you started in.9Consumer Financial Protection Bureau. How Do I Negotiate a Settlement With a Debt Collector
- Request written debt validation first. Under the FDCPA, a collector must provide written verification of the debt, including the original creditor and the amount owed, within five days of initial contact. You can dispute and demand this information before agreeing to anything.
- Get the settlement in writing before you pay. The agreement should state the exact dollar amount, the payment due date, and that the payment satisfies the debt in full. A penny short or a day late can void the deal.
- Only agree to what you can actually pay. A broken payment plan can restart collection activity and leave you worse off than before you negotiated.
- Keep every letter, agreement, and payment receipt. Debts sometimes resurface, get resold, or get reported inaccurately to credit bureaus, and your records are the fastest way to shut that down.
Suing Credit Corp Solutions Under the FDCPA
Consumers have brought their own FDCPA cases against Credit Corp Solutions, with mixed results. In April 2017, Erika Peterson filed a proposed class action in the Eastern District of California alleging that a Credit Corp collection letter used deceptive language about a “Pre-Legal Department” and implied attorney involvement to pressure her into paying a $1,303.65 debt. The suit was consolidated with a similar case, Zilbert v. Credit Corp Solutions Inc., and settled in 2018 on undisclosed terms; the named plaintiffs’ claims were dismissed with prejudice and the putative class claims without prejudice.10ClassAction.org. Peterson v. Credit Corp Solutions Complaint11CourtListener. Zilbert v. Credit Corp Solutions Inc. Docket A separate 2017 New York suit challenged Tasman Credit letters that did not clearly disclose that interest and fees were making the balance grow.12ClassAction.org. Credit Corp Solutions Sued Over Alleged Failure to Specify Amount of Debt
Not every theory survives. In Mikhael v. Credit Corp Solutions, the Eastern District of New York dismissed with prejudice a 2020 suit claiming a letter falsely threatened litigation by saying the company would send the account “to a law firm to be reviewed by an attorney for possible legal options.” The court held that a reasonable consumer would not read that language as an imminent litigation threat.13CourtListener. Mikhael v. Credit Corp Solutions Inc. Opinion If you believe a specific letter or call violated the FDCPA, keep the letter, log the call, and talk to a consumer rights attorney about whether the language crosses the line courts have drawn.