What if one of my creditors uses a law firm to collect on a debt? Follow

As your debts go past due, some creditors might take legal action to collect on the debt. If you receive communication that looks like a legal notice, such as a summons and complaint, collection notice, intent to sue, or intent to pursue legal action, upload it on your Client Portal immediately. Then call Customer Service to verify the document was received. Once we receive the document, we’ll evaluate it to see if it requires legal intervention and determine the appropriate next steps.
While we’re not lawyers or licensed to practice law, we know there are times when clients need legal assistance. That’s why we’ve partnered with a network of attorneys with experience in debt negotiation to help at no additional cost to you. (You might be responsible for court fees or other related costs.)
Should one of your creditors take legal action, the assigned attorney can work to negotiate a settlement if there are enough funds in your Dedicated Account—another reason why it’s important to make all your program deposits on time and in full. However, you still might need to deposit funds earlier than expected to settle the debt. Litigious creditors are essentially trying to “skip the line” on your other debts, so they might request funds sooner. However, these would be early deposits, not extra deposits, so the total amount of your program deposits shouldn’t change.