Debt Collector Guides
Sued by Reunion Student Loan Finance Corporation (ZuntaFi)
If sued by Reunion Student Loan Finance (ZuntaFi), respond on time, request validation, challenge the claim, and negotiate a settlement before court.
Debt collection blog
The Solo debt collection blog. Find helpful posts on how to resolve your debt lawsuit here.
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Legal Aid
What is the Answer Deadline to Avoid a Default Judgment?
Deadlines to file an Answer in court range from 14-35 days. Use our deadline calculator to determine your deadline.
Other Debt Resources
Defending Yourself in Court Against a Debt Collector
If you're sued for debt, file an Answer on time, demand proof of the collector's right to sue, and raise the statute of limitations as a defense.
Arbitration
Make a Motion to Compel Arbitration Without an Attorney
File a motion to compel arbitration if your contract has an arbitration clause. Arbitration costs often fall on collectors, so many will drop cases under $30K.
Other Debt Resources
If a Car is Repossessed Do I Still Owe the Debt?
If a car is repossessed, you still owe the deficiency balance: the difference between what you owed and what the car sold for at auction.
Medical Debt
Summoned to Court for Medical Bills — What Do I Do?
Sued for medical bills? Respond to your debt summons in 15 minutes with SoloSuit. We handle the mailing and filing of your Answer starting at $67.
Legal Aid
What is a default judgment?— What do I do?
A default judgment is a court ruling for the plaintiff because you didn't respond. File a Motion to Set Aside immediately with a valid excuse.
Debt Collection FAQs
What Happens When a Debt Is Sold to a Collection Agency
When a debt is sold to a collection agency, the collector takes over the right to collect and may sue. Demand validation and negotiate to settle.
Federal Debt Collection Laws
What Debt Collectors Cannot Do — FDCPA Explained
Debt collectors cannot harass, threaten, or lie to you. They must tell you who they are and why they're calling. The FDCPA protects against unfair collections.
Debt Collection FAQs
What Happens If Someone Sues You and You Have No Money?
Sued for debt but have no money? Settle for less with SoloSettle. Our platform offers industry-low fees to help you resolve debt without a lawyer.
Other Debt Resources
Can a Judgment Creditor Take my Car?
A judgment creditor can take your car, but if its value falls below the exemption amount, it is safe. Each state has unique legal exemptions for this.
Debt Settlement
How to Get a Debt Lawsuit Dismissed in 5 Steps (2026 Guide)
Got a debt summons? Learn how to get a debt lawsuit dismissed. Use SoloSuit to file your Answer online in 15 minutes. We mail and file it for you.