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Are you bring sued by Persolve, LLC or Account Resolution Associates (ARA)?

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Being Sued by Persolve, LLC or Account Resolution Associates? Here’s What You Need to Know

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If you’ve been sued by Persolve, LLC or Account Resolution Associates (ARA), it can be stressful and confusing. These companies often purchase delinquent debts and file lawsuits to collect — sometimes on accounts with incomplete or inaccurate documentation.

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At New Path Law Firm, our attorney-led team specializes in debt collection defense. We handle everything from filing court responses to negotiating settlements, ensuring your rights are fully protected.

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We’ve helped thousands of clients nationwide fight debt collection lawsuits and stop aggressive collection tactics, including wage garnishment and bank levies.

1 

Review the Lawsuit Carefully

When Persolve, LLC or Account Resolution Associates (ARA) sues, the first step is to read all court documents thoroughly.
Look for:

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  • Your court date and response deadline (usually 14–30 days)

  • The case number and amount claimed

  • The law firm representing Capital One

 

Important: If you fail to respond on time, Persolve, LLC or Account Resolution Associates (ARA) can obtain a default judgment, giving them the power to garnish your wages or freeze your bank account in many states.

2

Identify the Law Firm Suing You

Many people are surprised when they see a local law firm listed on the lawsuit instead of Capital One directly.
This doesn’t mean the debt was sold — it simply means Persolve, LLC or Account Resolution Associates (ARA) has hired a collection law firm to pursue payment through the courts.


Knowing who’s representing them helps your attorney respond effectively and start negotiations if appropriate.

3

Understand the Nature of the Claim

Most Persolve, LLC or Account Resolution Associates (ARA) lawsuits involve unpaid credit card accounts or personal loans.


The lawsuit (called a petition or complaint) should identify the debt, include part of your account number, and specify the total balance they claim you owe.


If anything seems unclear or inaccurate, do not assume it’s correct — even large banks make errors.

4

Check for Errors or Missing Proof

Just because you’re being sued doesn’t mean the debt is valid or correctly calculated.
Persolve, LLC or Account Resolution Associates (ARA) and their attorneys must prove:

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  • They own the debt

  • The balance is accurate

  • The lawsuit is filed within the statute of limitations

5

File a Response (Do Not Ignore the Lawsuit)

It’s critical to file your legal answer with the court before the deadline. You must also send a copy to the opposing attorney to avoid a default judgment.

6

Consult a Debt Defense Attorney

This is where New Path Law Firm can make a real difference.


Our experienced attorneys focus exclusively on debt relief, debt defense, and creditor lawsuit representation.

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We can help you:

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  • Challenge inaccurate or unverified claims

  • Negotiate reduced settlements

  • Stop collection harassment

  • Protect your wages and bank accounts

7

Consider Settlement or Alternative Resolutions

Many Persolve, LLC or Account Resolution Associates (ARA) lawsuits can be resolved without going to trial.
Our attorneys often negotiate reduced balances or interest-free repayment plans, ensuring fair and affordable outcomes for our clients.

Take Control of Your Situation Today.

Call us at: (800) 699-2341

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Why Choose New Path Law Firm

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✅ Stop creditor harassment and protect your wages
✅ Experienced attorneys — not a debt settlement company
✅ One flat fee, no matter how long your case takes
✅ We appear in court on your behalf
✅ Trusted by thousands of clients nationwide

Take Control of Your Situation Today.

Call us at: (800) 699-2341

TESTIMONIALS

"They handled our modification professionally and diligently and after 6 months of hard negotiation we have a new, affordable mortgage. We knew that there were no guarantees but they were never promising impossible things yet were confident and reassuring. They also were very responsive and educating us during the process. Best investment ever!"

Marc D.

"Everything has been very well since my case was settled. Thank you very much."

Eugene

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Prices and availability of services may change over time, so please review your contract carefully and ask any questions before signing. While past performance does not guarantee future results, we strive to provide the best service possible. *Assumes all of your debts are eligible for enrollment, are enrolled in the program, and you successfully complete the program. The majority of clients who successfully complete the program resolve their enrolled debts in 24 - 48 months (average 35 months). New Path Law Firm DBA Higbee & Associates offers debt resolution services. Our clients who make all monthly program payments save approximately – % of their enrolled debt (average of %) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from %-% of your enrolled debt. Programs typically range from 24-48 months. Clients must save at least % of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 3-6 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all clients complete the program. Estimates are based on prior results and may not match your results. We cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Our program is not available in all states; fees may vary by state. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. Any performance figures mentioned or shared within this content do not guarantee similar results. Results depend on individual circumstances, and the success of past cases does not predict future outcomes.

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