January 12, 2024

How to Beat PYOD LLC in Court

How to Beat PYOD LLC in Court ZumaZip Settle Debt

Is PYOD LLC suing you for an old debt? Confused? Get Answer at ZumaZip.com Learn all you need to know about PYOD LLC and how to defend yourself in court.

So, you’re being sued by PYOD LLC for an outstanding debt. The first thing you need to do is collect yourself and stay calm. Being sued for any reason is understandably a scary thing to go through.

However, you have some helpful resources on your side to ensure you get the best outcome possible, starting with us. Here at ZumaZip, we want to be equipped with the best tools for fighting debt collection agencies.

If you follow these steps, you can significantly improve your chances of beating PYOD LLC in court. Let’s first take a look at PYOD LLC to see what they’re all about.


PYOD LLC is simply a debt collection company that is based in Las Vegas, Nevada. As a branch of the Sherman Financial Group, PYOD LLC buys defaulted debt at a discounted price and then attempts to collect on that debt for a sizable profit.

It’s worth mentioning that the debt PYOD LLC buys from other entities can include zombie debts. As such, PYOD could be trying to collect a debt that has long fallen off of your credit report but claims you still have to pay.

The way these unsavory business practices work is quite simple. Let’s say you originally owed $1,000 in credit card debt. Sherman Financial Group or PYOD LLC buys your debt after it’s been in collections for so long, snatching it up for, say, $400.

If they are successful in collecting the full amount of the debt, they will have just made a slick $600 profit. With so much additional money to be made hanging in the balance, you can guarantee that PYOD LLC (and every other debt collection agency) is going to come after you with extreme prejudice.

Sadly, because money and greed are the driving forces behind debt collection agencies, unscrupulous methods are often used to collect their purchased debt. Some companies will even go so far as to lie to make a profit.

This is often the outcome when money is your idol. As bad as these business practices sound, they could actually mean great news for you. How could that possibly be, you ask? Let’s continue to find out.

Don’t run from shady debt collectors. Use ZumaZip to beat them in court.

Beat PYOD LLC in Court With a Defense That Works

Debt collection companies typically buy their debt in bulk. It’s how they get such a big discount on it. While there are sizable savings for the debt collectors, it also means that there is usually less paperwork for each debt.

A lot less paperwork.

More often than not, debt collection agencies don’t get the original bill with your signature on it. In a court of law, this document is an absolute must to prove to the judge that the debt belongs to you and is valid to be collected.

Now, most debt collection companies count on you not knowing this helpful piece of information and use intimidation to get you to acquiesce to their demands. In some cases, people have paid debts that didn’t even belong to them by bending to the tactics of the debt collector.

This “business model” is far too common among debt collection agencies, so you must protect yourself and know your rights as a consumer. Many of these companies will break the law without you ever knowing it.

Such are the lengths people will go for money. Fortunately, we’re here to help you fight back. Even if PYOD LLC says you owe them money, don’t just assume that you do. Now that you know the way debt collectors typically operate, you can proceed with caution.

Make the right defense the right way with ZumaZip.

Request Verification of the Debt and Never Admit the Debt Is Yours

All right, you’ve been contacted by PYOD LLC, and they claim you have to pay up. One of the most important things you can do is ask for verification of the debt in question. This means that you want to see the debt in writing.

Also, keep in mind that any information you give to PYOD LLC can and most likely will be used against you in court. As such, it’s best to move forward by withholding as much information as you can. Don’t give them your Social Security number, current or past addresses, favorite color – nothing.

Request verification and contact your attorney if you have one. If you don’t, you should strongly consider speaking with one. Don’t attempt to defend yourself from the debt collector. Leave that to an attorney.

Even if the debt is valid and PYOD LLC sends you verification, any illegal collection tactics could jeopardize them getting awarded the case in court. As such, you could be in a position to counter-sue PYOD LLC. However, you will need to speak with an attorney who can represent you in court on such matters.

Assuming that PYOD plays by the rules and the debt does belong to you, an attorney might be able to reach a settlement for you where you don’t have to pay the full amount.

Now, here’s the rub. If PYOD is unable to show proof of the debt, which, if you remember, is the original bill with your signature on it, they can’t legally collect payment from you. But you’ll need to make sure that the judge sees this if you go to court.

Again, a qualified debt attorney can make sure this happens. If you’re unable to afford an attorney and choose to represent yourself, you need to play your cards right in court. This means remaining calm and never admitting that the debt is yours.

PYOD LLC will likely produce every other kind of document. But if they don’t have the original bill with your signature on it, they haven’t got a chance. A common mistake people make is admitting that the debt is theirs after the debt collector produces a stream of paperwork.

What they don’t know is that this paperwork has no bearing unless they play into the debt collector’s hands and admit the debt is theirs. Never do this, stand your ground, remain resolute, and follow the advice we laid out. In doing so, you can look forward to being awarded the victory over PYOD LLC.

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:

Guides on how to beat every debt collector

Hey there! Facing off against a debt collector can feel like a daunting challenge, but fear not! We’re here to help you navigate through it all with our handy guides designed to assist you in beating every debt collector you encounter. Whether you’re facing a new lawsuit or dealing with a persistent collector, we’ve got your back. Stay positive, stay informed, and let’s tackle this together!

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