Your Absolute Resolutions Questions Answered

Have an issue with Absolute Resolutions? Need help?

Are you being harassed by a debt collector? Is someone from Absolute Resolutions contacting you by phone, mail, email, or Facebook? Are they threatening to sue? We explain all about Absolute Resolutions and whether they are legitimate and what to do if they contact you. 

What is Absolute Resolutions?

Absolute Resolutions is a professional receivables management and recovery service provider. They were founded in 2001 and have since that time served as a debt collector. 

Should I pay Absolute Resolutions?

If you owe legitimate debt, Absolute Resolutions is a legitimate company that will try and collect, and yes, you should pay them. They are well known for using lawsuits without as much hesitation as other debt collectors. That said, even legitimate companies have been known to sometimes act unfairly and violate things like the Fair Debt Collection Practices Act (FDCPA). So if you have been harassed or treated unfairly, consider filing a complaint or working with an attorney. 

Is Absolute Resolutions a legitimate company?

Yes, Absolute Resolutions is a legitimate company.

Is Absolute Resolutions a junk debt buyer?

Absolute Resolutions purchases many types of debt, including credit card debt.

Can I ignore Absolute Resolutions?

Don’t assume you can ignore Absolute Resolutions. If they believe they are collecting on unpaid debt that is legitimately yours, they can eventually file a judgment against you to recover the money. If they violate the most recent FDCPA regulations about when and how they contact you, you can share your complaints with outside attorneys, or file complaints with the government. You can get legal help to sue the collection agency if that is insufficient. 

Who does Absolute Resolutions collect for?

Absolute Resolutions collects for themselves. They purchase debt from credit card companies and then they try to recover that debt for a profit.

Why is Absolute Resolutions calling me when I have no debt?

There are times when you get a phone call from a debt collector even though you have never had debt. There are other times when you get a call for debt that you have already paid or debt that is incorrect.This can happen in many situations where there is a case of mistaken identity or where your name might be very closely related to the name of someone who legitimately has debt. It could even be, more commonly, you taking out a new phone number which was associated with a debt collection account.No matter what, if you believe that they are calling you for a mistake or perhaps they are trying to contact someone by a completely different name, you need to validate the debt with them immediately and ask them to explain where your debt came from and why you owe it. You have 30 days from the first point of contact to do this and if the company is unable to validate your debt in accordance with the law, your next step is to send them a notice of insufficient validation after which they cannot pursue payment.

What should I do if Absolute Resolutions is calling about debt I’ve already paid?

If a debt collection company is calling you about debt that you’ve already paid, you first need to confirm yourself that everything is just accurate on your credit report. There should be plenty of times where a credit agency has incorrect information so the collection agency believes they are doing the right thing by collecting on current debt.What you can do is check your records and check your credit score. If you see a mistake, contact the credit reporting agencies and have them fix it. You should simultaneously send a request for a validation letter to the collection agency. Do this within 30 days of your first point of contact. This forces them to prove the debt they are trying to collect is legitimate and if they can’t, then they have to stop trying to collect. If you can prove it’s insufficient and they don’t provide you with the validation letter in accordance with the law you can send them things like a notice of insufficient validation or have an attorney help you with this.

What laws apply to Absolute Resolutions?

As a debt collector, some of the laws that Absolute Resolutions must follow include the FCRA, the FDCPA, and the TCPA.

That alphabet soup stands for the Fair Credit Reporting Act, which gives you rights to help ensure your credit report remains accurate; the Fair Debt Collection Practices Act, which protects you from being abused and deceived by debt collectors; and the Telephone Consumer Protection Act, which limits robocalls and other telephone spam.

If you think any of these consumer protection laws may apply to your situation, tell us about it.

Start a Complaint

What should I do if Absolute Resolutions is calling about debt beyond the statute of limitations (SOL)?

Most debt has a statute of limitations or SOL after which point it expires and debt collectors can’t use the same methods to try and collect on it. If you believe you are being contacted about debt that has expired, you need to check your records against your credit report. If there is an error on your credit report, report it to the Credit Agencies and have them fix it.It is important to note that the expiration date usually begins at the point when your debt goes to collections or when you default. The statute of limitations is different for every type of debt and in each state so you need to be particularly careful about verifying whether your debt has expired. If it has, you can send the debt collection agency a cease communications notice, something you can have an attorney help you with as well.

How do I settle for less with Absolute Resolutions?

With debt collection agencies, employees are not typically paid very well. They get minimum wage but they get a bonus when they settle an account so you can use this information to try and settle for less in exchange for settling early.What’s more, debt collection agencies usually purchase debt from the original creditor for somewhere between $0.01 and ten cents on the dollar. The older the account, the less they pay for it because they have limited time to collect the debt. So, debt collectors will try and get a settlement between 40% and 80% of your original debt regardless of how little they paid for it. This information can also help you negotiate for less, offering a settlement somewhere in that range if you can afford it.

How do I get rid of Absolute Resolutions?

If they ask you to pay a debt that you don’t believe you owe, something that isn’t accurate or isn’t yours or has expired, you can ask them for a validation letter. It is up to them to prove that you do the debt they are trying to collect. You can use an attorney to help with this. If they can’t prove the debt is legitimately yours you can send them a letter of insufficient validation and they have to stop harassing you.If you legitimately owe the debt, the best way to get rid of them is to settle with them. You can work with an attorney to help negotiate for a settlement that is favorable to both parties on your behalf.

Can Absolute Resolutions sue me?

Debt collectors cannot legally sue or threaten to sue you for payment on a debt that has expired, but they can still ask nicely. If your debt has not expired then yes, they can sue you even if they made a mistake and have debt that isn’t yours. This company in particular is known for filing lawsuits through the firm Stenger & Stenger, P.C. without verifying the legitimacy of the debt. 

Who owns Absolute Resolutions?

Absolute Resolutions Corporation “ARC” owns Absolute Resolutions. 

Who is the CEO of Absolute Resolutions?

The current CEO for 14 years was Christopher Winkler, who was recently replaced by Robert Johnson.

Where are Absolute Resolutions headquarters?

Absolute Resolutions is headquartered in Minnesota but they appear to have offices in San Diego, California as well. 

Who does Absolute Resolutions collect for?

Absolute Resolutions buys debt from credit card companies primarily.

How is Absolute Resolutions paid?

Debt collectors are usually minimum wage employees, people who work at a call center and they get paid an hourly wage. Their only chance for upward mobility is the commission they get as a bonus when they settle an account. You can use this information to try and settle quickly in exchange for a lower settlement especially if you do so close to a payday because it means that the individual makes more money.

What is Absolute Resolutions on my credit report?

If you have seen their name on your credit report and you don’t know what it means, this is an indication that you have an account that was sent to collections. It will show up as a delinquent account on your credit report.If you enter into a settlement with them and you pay off the remaining balance, your account gets reported by the company to the credit reporting agencies as “settled” with a zero balance. This is better than a delinquent account, but it doesn’t actually go away; it stays on your account for seven years.If you want it to go away you have to negotiate what is called a tradeline deletion as part of your settlement, and this means it doesn’t get reported at all. 

Do I need a lawyer to deal with Absolute Resolutions?

Legally you don’t need a lawyer to deal with them but it might be in your best interest. Sometimes employees don’t get a lot of training so they can make mistakes and accidentally violate the Fair Debt Collection Practices Act. Having an attorney can reroute communication so that you don’t have to deal with phone calls, text messages, or emails. Attorneys can handle verification, send cease communications letters, and even help you sue them for damages.

How do I validate debt from Absolute Resolutions?

The FDCPA uses the word “verify,” but some other organizations use the word “validate.” In either case it refers to two things:First, you “validate” a debt by sending a letter to Absolute Resolutions officially asking them for information that would confirm the validity of the debt. This means they have to prove it is valid debt and it is yours. You have 30 days from the first time Absolute Resolutions contacts you to validate the debt. You need to send a separate request for each account they are collecting and keep copies for your records. Second, Absolute Resolutions then “validates” the debt on their end by providing you with this information you requested. Once your letter is received, Absolute Resolutions must legally stop all collection activities until they have mailed you a copy of their verification. It should take no more than 30 days for Absolute Resolutions to validate your debt once you request validation.  

How long does it take to settle with Absolute Resolutions?

This is based on a lot of factors. If you have the money and it is a legitimate debt, you can probably settle very quickly but it can still take weeks for all the final paperwork to be processed and all the credit reporting agencies to be updated. If you enter into a lengthy negotiation it could take months or even years.

How much should I offer Absolute Resolutions to settle a debt?

You should offer what you can based on your financial situation. If you are undergoing financial strain and hardship, you can try to negotiate or hire an attorney to help you negotiate for a lower settlement amount.

Can a creditor sue you? Can they take all the money in your bank account?

If you ignore attempts to collect on a debt, creditors can sue you. This applies even to situations where the creditor has made a mistake and the debt isn’t legitimate. However, they can’t just take all the money in your bank account without warning. They have to place a default judgment against you which means they get a court order where a judge gives them permission to take your assets in order to repay the debt. This is usually a last resort.

Can I ignore a collection agency like Absolute Resolutions?

You can ignore Absolute Resolutions, but you shouldn’t. According to changes to Fair Debt Collection Practices Act (FDCPA) in 2021, collection agencies like Absolute Resolutions can contact you over debt via email, text message, and social media messages without prior consent. However, they have to do it privately and they have to state that they are a debt collector. Even if you think there is a mistake, ignoring them can result in lawsuits.

How did Absolute Resolutions get my number?

When debt collection agencies buy debt, it comes with all of the contact information including your phone number. Go can usually use a phone number and email address to find you on social media as well.

Can I use a credit card to pay for Absolute Resolutions?

Yes, you can probably pay your debt to Absolute Resolutions with a credit card. They work with you to accept payments in many forms over the phone, by mail, or online. However, there might be a fee for using a credit card depending on your settlement.

Will paying off collections improve credit?

If you have an account that was sent to collections it is a negative mark on your credit score. Paying off collections will improve your credit score long term because it helps remove that negative mark. To be clear, that negative mark stays on your credit report for 7 years unless you negotiate for a tradeline deletion with the creditor. Even still, that 7 year period doesn’t start until you pay off your collections so it’s always beneficial to do so sooner rather than later.

Does debt go away after seven years?

A statute of limitations or SOL on each type of debt varies by state. The type of debt and the state will determine the length of time but qualifying debt does expire at the end of the SOL. 

If I file for bankruptcy, does my debt go away?

When you file for bankruptcy or debt does not automatically go away. There are different chapters or types of bankruptcy and if you complete them, remaining debt does go away. However, it can be a very complicated and lengthy process. Chapter 13 Bankruptcy, for example, requires a repayment plan over the span of 3 to 5 years. You have to make payments that are affordable to all of your creditors every month and once that’s complete any remaining debt goes away. But one misstep, missed payment, or late payment can cause the entire thing to fall apart. 

How do I get debt removed from my credit score?

For a debt that has already been paid, you can contact the credit reporting agencies to get the debt removed from your credit report. If your debt is inaccurate or expired, you can do the same. For a debt you settled with Absolute Resolutions, you can try to negotiate for a tradeline deletion, where Absolute Resolutions has the credit reporting agencies remove the account entirely. 

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