Frequently Asked Questions

How do I make a payment?

Click here for instructions.

I owe the debt, but I can't pay it all right now. What are my options?

We understand that immediate payment in full is not always an option. If you wish to propose a payment plan or make a lump sum settlement offer, click the corresponding link below.

Payment Plans

Settlement Offers

I don't owe the debt. What should I do?

If you do not owe the debt, please call us right away at (302) 428-1915 so that we can clear things up as quickly and conveniently as possible. If you have legal questions you should consult an attorney.

I've been sued, now what?

If you have received (usually delivered by hand) a document titled "Summons", a lawsuit has been filed against you. Attached to the Summons is another document called a "Complaint". Please read these documents completely and carefully. If you do not understand them, consult an attorney immediately! Important legal rights are involved. If you do not respond to the Complaint within TWENTY (20) DAYS after you receive these documents by filing with the Court a document called an "Answer", we may ask that judgment be entered against you for the full amount set forth in the Complaint, including (if applicable), interest, court costs and attorney fees. If you agree that you owe the debt and want to pay in full or work out a payment plan, please call us right away.

What happens when the debt is paid in full?

Upon receipt of payment in full, we will send written confirmation of payment in full and close our file. If judgment has been entered, we will notify the Court that the judgment is satisfied. You may wish to update your credit report by advising the credit bureaus, Experian, Equifax and Trans Union.

 

This communication is an attempt to collect a debt and any information obtained will be used for that purpose. This information is not intended to be legal advice. If you have questions, please consult an attorney.