January 9, 2024

How to Win When You’re Sued by Paragon Revenue Group

How to Win When You're Sued by Paragon Revenue Group ZumaZip Settle Debt

Sued by Paragon Revenue Group and need to know how to win? Represent yourself with a little help from ZumaZip.com!

Blindsided by a debt collection lawsuit? Were you sued by Paragon Revenue Group, and now you’re wondering how to win? Short on funds and unable to hire an attorney?

You don’t actually need one. It’s entirely possible to represent yourself in a debt collection lawsuit. And win!

But to do that, you’ll need some help. In this post, we’ve outlined everything you need to know about how to beat Paragon Revenue Group in court.

What is Paragon Revenue Group?

Paragon Revenue Group is a third-party debt collection agency. Founded in 1986, the company’s headquarters reside in North Carolina. They work for clients in 35 states across the US.

As a third-party debt collector, Paragon Revenue Group pursues debt for their clients. Most of the companies that hire Paragon Revenue Group work in the medical field. If Paragon Revenue Group is calling you, chances are it’s for unpaid medical bills.

Paragon Revenue Group doesn’t have the best reputation. According to the Better Business Bureau (BBB,) borrowers have filed more than 90 complaints against Paragon Revenue Group.

Use ZumaZip to win debt collection lawsuits for medical bills and more.

Why Am I Involved In a Paragon Revenue Group Lawsuit?

Ok, so Paragon Revenue Group is a debt collection agency. But why are they after you? You never borrowed money from them.

In fact, this may be the first time you’ve heard of Paragon Revenue Group. That’s because they don’t lend money themselves, they just collect it. Your original lender may have hired Paragon Revenue Group to pursue you on their behalf. Or Paragon Revenue Group may have bought you debt outright. Either way, Paragon Revenue Group is responsible for your debt now.

If you’re involved in a Paragon Revenue Group lawsuit, you should have received a packet of court documents. This packet should have contained at least two documents: a Complaint and a Summons.

What is a Complaint?

Every court case begins with a Complaint. In this document, the plaintiff (Paragon Revenue Group) will explain their situation to the court. Their Complaint will detail how much money you owe, along with proof of the debt. Since Paragon Revenue Group is the plaintiff, they’re responsible for establishing your guilt. Remember, in the US, you’re presumed innocent until proven otherwise.

This proof will come in the form of various paperwork. First, Paragon Revenue Group will need to produce your original loan agreement. They’ll also need proof that they’re legally allowed to collect your debt.

It’s important to act quickly after you receive a Complaint. In most jurisdictions, you only have 14-30 days to respond to it. If you don’t answer within this time, the court may enter a default judgment against you. Then Paragon Revenue Group will win their case automatically.

Respond to a complaint in minutes with ZumaZip.

If Paragon Revenue Group receives a default judgment, that’s a bad outcome for you. Why? If they prove their case, they’ll earn the right to collect your assets. The two most common ways they can do that are liens and garnishments.

A lien is a claim on a piece of the debtor’s property. If the debtor tries to sell the property, they must pay any proceeds to the creditor first. The defendant must pay the entire sum of their debt before they can take any equity from the sale of the property.

In contrast, a garnishment is a way creditors can skim money off the top of your income. After a creditor wins their court case, they can petition the court to garnish a debtor’s wages. That means Paragon Revenue Group will take a portion of every paycheck you make. This will continue until your debt is paid in full.

Want to avoid these two outcomes? All you need is a killer Answer.

What is an Answer?

An Answer is the defendant’s equivalent of the Complaint. In the Answer, the defendant tells the court why they’re not responsible for paying the creditor. You can’t just come up with any excuse, though. You have to have a legitimate reason for not paying the creditor.

The best way to do this is by scrutinizing the creditor’s evidence against you. If you can find an error in their paper trail, you can take advantage of it to dismiss your case.

Craft a solid defense with ZumaZip.

Debt collectors often by debt in “as is” condition. This often means that pieces of information are missing from your file. If the original creditor is missing a piece of information, a third-party debt collector will never receive it. Bring this to the court’s attention in your Answer. It may just win your case.

There’s another major defense that the court will accept in your Answer. State laws dictate a statute of limitations for debt collection cases. These can range from 6 to 10 years, depending on the state. A debt collector is not allowed to file a lawsuit after the statute of limitation passes.

Double-check the date of your original debt agreement. If the statute of limitation has passed, tell the court in your Answer. For statute of limitation laws specific to your case, consult a lawyer.

When you file your Answer, you’ll need to do it using court-approved standard forms. These forms are unique to each jurisdiction. Courts from one jurisdiction may not accept forms from another. How are you supposed to find the right forms? That’s easy – trust ZumaZip.com.

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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