February 11, 2024

Absolute Resolutions Investments LLC

Absolute Resolutions Investments LLC ZumaZip

Facing a lawsuit from Absolute Resolutions Investments LLC can be daunting, but it’s crucial to take action within the allotted timeframe. You typically have up to 35 days to respond before risking a default judgment against you. Filing an Answer document with the court is essential, as it allows you to address each claim made against you and assert any affirmative defenses you may have.

Fortunately, platforms like ZumaZip can streamline this process, enabling you to respond to the lawsuit in as little as 15 minutes, potentially increasing your chances of a favorable outcome.

Ignoring the lawsuit is not advisable, as it could result in serious consequences. Instead, it’s essential to confront the situation head-on and take the necessary steps to defend yourself. This article aims to provide guidance on how to effectively navigate the legal proceedings and emerge victorious against Absolute Resolutions Investments in court.

Let’s jump right in.

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What is Absolute Resolutions Investments LLC?

Absolute Resolutions Investments LLC is a debt buying and collection company headquartered in Minnesota. Also known as Absolute Resolutions Corporation, this company specializes in purchasing old debt accounts from credit card companies and banks, at a discounted price, and then contacting the debtor to collect the full amount originally owed.

When reviewing the court Summons and Complaint served by Absolute Resolutions Investments LLC, it’s important to keep an eye out for familiar names, particularly those of attorneys who frequently represent the company in debt collection lawsuits. Some of these attorneys include Joe Jammal, Preston Nate, and Joshua Stiers.

These lawyers specialize in litigating debt collection cases on behalf of Absolute Resolutions, and their involvement may indicate the seriousness with which the company is pursuing legal action against you.

Additionally, it’s worth noting that some of Absolute Resolutions’ lawsuits may lack proper assignment or title paperwork. This deficiency can weaken their ability to prove their case in court, presenting you with a significant opportunity to defend yourself successfully.

By staying informed about the legal representation involved and potential weaknesses in the plaintiff’s case, you can better prepare your defense and increase your chances of a favorable outcome in court.

ZumaZip gives you a fighting chance against debt collectors.

Absolute Resolutions Investments LLC phone numbers

If you are trying to contact ARI-RES, the website will redirect you to Absolute Resolutions Corporations website. Remember, these two companies are the same thing. So, if you’re trying to reach someone at ARI to discuss your debt account, you can use one of the following phone numbers:

  • 1-800-713-0670
  • 1-619-564-6400

You can also reach them at:

Absolute Resolutions Corporation
8000 Norman Center Dr., #350
Bloomington, MN 55437

Absolute Resolutions Investments LLC has bad reviews

If you’re feeling frustrated with Absolute Resolutions, you’re not alone.

The company has two profiles with the Better Business Bureau—one under the name Absolute Resolutions Investments and another under Absolute Resolutions Corporation. Together, these two BBB profiles have received more than 50 complaints against the company. Even worse, the Consumer Financial Protection Bureau has received 98 complaints against ARI over the last ten years.

Many customer complaints follow a familiar pattern. Consumers report that the debt does not belong to them, and often, ARI has purchased the debt and is unable to validate the debt. Other consumer complaints include being victims of identity theft and finding it difficult or impossible to work with ARI.

Let’s take a look at a real complaint from BBB:

“On February 8, 2021, I received a letter from Frontline Asset Strategies that “my account” had been placed in collections with them. The account is now with Absolute Resolutions Investments, LLC. I contacted the company and let them know this was a fraudulent account. They sent me an identity theft affidavit which I completed and returned. I filed a police report and a report with the FTC. I have been dealing with identity theft since 2015, I have filed police reports, ID theft affidavits with the IRS, and disputed countless fraudulent credit accounts. All three of my credit bureau accounts are frozen and with a security alert. Absolute Resolutions has denied my claim of this being a fraudulent account and is refusing to review any other documentation I have proving that this is not an account I opened. I can prove I have never lived at the address on the original account and that this is in fact the same address I have been disputing since 2015.”

Many of these complaints show that ARI is willing to violate the Fair Debt Collection Practices Act (FDCPA) in order to collect a debt. Knowing your rights as a consumer can help you protect yourself against unfair debt collection tactics.

You have rights under the FDCPA

The Fair Debt Collection Practices Act protects consumers, like you, from abusive debt collection methods. Many debt collection agencies have done some pretty messed up things to get people to pay off their debts. The FDCPA prevents this.

Violations of the FDCPA include the following:

  • Asking you to pay more than you owe.
  • Asking you to pay interest or other fees not agreed to originally.
  • Calling repeatedly before 8 a.m. or after 9 p.m.
  • Using obscene or abusive language.
  • Threatening you with violence if you do not pay.
  • Lying about who they are.
  • Speaking about your debt to third parties like friends, family members, or coworkers.
  • Contacting you at work when they know it is not allowed.
  • Collecting the debt after you raise a dispute without providing verification.

If Absolute Resolutions has used any of these methods when contacting you about a debt, you may be eligible for compensation. You should report this behavior to the Federal Trade Commission. You might also consider filing a counterclaim if ARI has already sued you.

Send a Debt Validation Letter to Absolute Resolutions

Sending a Debt Validation Letter to Absolute Resolutions Investments can be a proactive step in protecting your rights and potentially avoiding a debt lawsuit. This letter asserts your rights under the Fair Debt Collection Practices Act (FDCPA) and requests Absolute Resolutions to validate the debt they are attempting to collect.

A Debt Validation Letter requires Absolute Resolutions to provide proof that the debt belongs to you and that all account details are accurate. It also mandates them to cease communication with you for any purpose other than providing the requested validation, and demands that they report the debt as disputed.

Debt Validation Letters can often halt debt collectors in their tracks, especially if they are unable to furnish the necessary evidence to validate the debt. By asserting your rights and requesting validation, you may deter further contact from Absolute Resolutions regarding the debt.

To learn more about the efficacy and importance of Debt Validation Letters, feel free to explore additional resources. This proactive measure can help you navigate the debt collection process with confidence and protect your interests.

Absolute Resolutions Investments LLC is suing me—why?

The most obvious reason a debt collector sues is because you have an outstanding balance that they believe you can pay. If their traditional attempts (calls, texts, emails, mail) to make you pay fail, they will open a lawsuit.

However, sometimes it’s a case of identity theft or fraud. Such a case should be reported to the Fair Trade Commision (FTC) immediately. If ARI (or any of the aliases mentioned throughout this blog) is suing you, don’t ignore the Summons and Complaint. Too many consumers, not knowing how to handle a debt collection lawsuit, choose to ignore it and hope it goes away. Instead, fight back and win your case!

Here’s how.

Respond to a debt collection lawsuit against Absolute Resolutions Investments LLC

When you’re served with court documents for a debt collection lawsuit initiated by Absolute Resolutions Investments LLC, it’s crucial to act promptly. These documents typically include the Summons, notifying you of the lawsuit, and the Complaint, detailing the specific allegations against you.

You typically have up to 35 days to respond to the lawsuit, depending on your state’s laws. Failing to respond within this timeframe could result in Absolute Resolutions seeking a default judgment against you, potentially leading to wage garnishment or property seizure.

Follow these steps to effectively respond to a debt lawsuit brought by Absolute Resolutions Investments LLC:

  1. Respond to each claim listed in the Complaint: Carefully review the Complaint and provide individual responses to each allegation. You can admit, deny, or deny due to lack of knowledge for each claim. It’s often advisable to deny as many claims as possible, shifting the burden of proof onto Absolute Resolutions.
  2. Assert your affirmative defenses: Identify any legal reasons or facts that negate Absolute Resolutions’ claims. One common affirmative defense against debt collectors is the expiration of the statute of limitations. Asserting such defenses strengthens your case and can require Absolute Resolutions to provide substantial evidence to support their claims.
  3. File your Answer document with the court, and send a copy to ARI: Once you’ve drafted your Answer, file it with the court promptly. You can do this by delivering it in person, sending it by mail, or filing electronically if available. Additionally, ensure to send a copy of your Answer to the attorneys representing Absolute Resolutions. Use certified mail with return receipt requested to document delivery.

By following these steps diligently, you can effectively respond to a debt collection lawsuit initiated by Absolute Resolutions Investments LLC and protect your rights in the legal process.

Now, let’s break down each of these steps in detail. 

1. Respond to each claim listed in the Complaint

In your Answer document, you’ll need to respond to each claim outlined in the Complaint document. Here’s how you can do it:

  1. Admit. This is acknowledging the truth of the claim.
  2. Deny. This is contesting the claim and asking for proof.
  3. Deny due to lack of knowledge. This indicates uncertainty about the claim.

It’s generally advisable to deny as many claims as possible. By doing so, you shift the burden of proof onto Absolute Resolutions. They’ll need to provide substantial evidence to support their claims. If they can’t furnish the necessary documentation, it could potentially lead to the dismissal of the case.

Remember, the strength of your case often lies in challenging the assertions made against you. So, consider each claim carefully and respond accordingly to bolster your defense.

Use ZumaZip to draft your Answer document in just 15 minutes.

2. Assert your affirmative defenses

In the affirmative defenses section of your Answer document, it’s vital to assert legal reasons that refute the claims made by the plaintiff, ARI. One common affirmative defense against debt collectors is the expiration of the statute of limitations.

The statute of limitations dictates the time frame within which creditors can initiate a lawsuit against you for a debt. While these time limits vary by state, they typically range between four to six years. Importantly, the statute of limitations period usually commences on the last date of activity on the debt account. It’s crucial to note that making a payment or incurring additional debt on the account can reset the statute of limitations.

Therefore, refrain from making any payments to a debt collector until you’ve determined whether the debt falls within the statute of limitations period. This knowledge will enable you to assert the expiration of the statute of limitations as an affirmative defense against ARI’s claims.

Let’s take a look at an example.

Here’s an example involving Hannah, who resides in Alaska. In 2018, Hannah applied for a credit card and initially managed her account well, consistently making timely payments. However, when she lost her job, her financial situation deteriorated. Since March 2019, she hasn’t made any payments on the account, despite still owing money.

As of March 2022, the statute of limitations for credit card debt in Alaska, which is 3 years, has expired. Consequently, it’s no longer possible for the debt collector to file a lawsuit against Hannah regarding this debt. However, it’s crucial for Hannah to exercise caution. Reviving the account, even with a small payment like $5, would reopen the statute of limitations, potentially exposing her to legal action from the debt collector. Therefore, it would be unwise for Hannah to take any action that might revive the account and open herself up to further financial risk.

Make the right affirmative defense the right way, with ZumaZip.

3. File your Answer with the court, and send a copy to ARI

After completing the drafting of your Answer document, it’s crucial to promptly file it with the court. You have several options for submission: you can deliver it in person at the courthouse, send it via mail, or electronically file it if the court allows.

ZumaZip offers a service to file your Answer on your behalf in all 50 states, ensuring a hassle-free process.

Additionally, it’s essential to create a copy of the Answer document and send it to the legal representatives of Absolute Resolutions. You can find their address on the court Summons document you initially received. When sending the copy, opt for certified USPS mail with a return receipt requested to ensure documentation of delivery.

Settle your debt with Absolute Resolutions Investments LLC

If you’re aware of your outstanding debt and have the means to make partial payments, consider initiating negotiations for a debt settlement offer. As a professional debt purchasing firm, Absolute Resolutions acquires old debts at significantly reduced prices, making them often open to settling for less than the original owed amount.

With ZumaZip Settle, beginning the negotiation process is convenient. By utilizing ZumaZip Settle, you can save money, circumvent potential court proceedings, and permanently alleviate the burden of Absolute Resolutions Investments’ debt collection efforts.

Let’s consider another example.

Example: Martin found himself owing $1,000 to his credit card company. Following the charge-off of his debt by the credit card company, Absolute Resolutions Investments purchased it for $300. Despite recognizing his debt, Martin opted to ignore all communications from ARI. Subsequently, ARI pursued legal action against Martin after several months. Upon exploring his options online, Martin opted to leverage ZumaZip Settle to negotiate a settlement agreement with ARI. After a series of negotiations, ARI agreed to settle for $500. This arrangement allowed Martin to repay only half of his original debt while still enabling ARI to realize a profit.

You can beat Absolute Resolutions Investments.

Although lawsuits can be intimidating, you can beat Absolute Resolutions Investments if you follow the right steps.

  • Know your rights under the FDCPA.
  • Send a Debt Validation Letter after they contact you for the first time.
  • Never ignore the lawsuit.
  • Create an Answer document where you respond to each claim and assert your affirmative defenses.
  • File your Answer with the court, and send a copy to ARI’s lawyers.
  • Consider sending a Debt Lawsuit Settlement Letter to settle the debt out of court.

If your debt has not gone to court yet, you have an even better chance to fight. All the documents you need are available at ZumaZip. You don’t need an attorney to draft them.

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

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