Sued by Absolute Resolutions? What to know

Factual overview · Updated July 16, 2026

DebtDefense is not a law firm and this page is not legal advice. It is general, factual information to help you understand a debt lawsuit. No outcome is guaranteed. For advice about your situation, consult a licensed attorney in your state.

Who is Absolute Resolutions?

Absolute Resolutions is a debt buyer. As described in published court decisions, an Absolute Resolutions entity purchases charged-off, defaulted consumer accounts — for example, credit-card debt — by assignment from the original creditor, and then sues to collect the balance. Courts have referred collectively to several related entities (including Absolute Resolutions Investments, LLC and Absolute Resolutions Corporation) as 'Absolute Resolutions.' Consumer complaints appear in the CFPB's public complaint database under 'Absolute Resolutions Corp.,' categorized under debt collection. When Absolute Resolutions sues, it does so as the owner of the account, not as the original creditor.

• Source: Absolute Resolutions Invests., LLC v. Marshall, Ohio Court of Appeals (2026) — opinion
• Source: Francavilla v. Absolute Resolutions VI, LLC, N.J. Superior Court, Appellate Division (2024) — opinion

Why are they suing you?

Debt buyers purchase portfolios of charged-off accounts — debts the original lender has written off — often for a small fraction of the balance. They are generally not the original creditor. Once they own the account (which may have been bought and sold more than once), they try to collect the full balance, sometimes by filing a lawsuit. Being sued by a debt buyer does not mean the amount, the ownership, or the paperwork is automatically correct — those are things a defendant can ask the company to prove.

What happens if you don’t respond

This is the most important part. If you do not respond by the deadline on your court papers, the court can enter a default judgment against you — a ruling that you owe the full amount, entered simply because you didn’t answer, without the debt buyer ever having to prove its case. A judgment is what typically lets a creditor garnish your wages, levy your bank account, or place a lien. Responding on time is how you keep the case from being decided against you automatically and force the company to actually prove what it claims.

What people commonly do

• Respond in writing by the deadline on the summons, rather than ignoring it.
• Ask the company to prove it owns the specific account and that the amount is correct (the chain of title from the original creditor).
• Check whether the debt is past the statute of limitations for their state.
• Check whether the original card agreement had an arbitration clause, and what that can mean for the case.
• Consult a licensed consumer attorney — many offer free consultations, and some take cases where the law shifts fees to the other side.

Deadlines

Deadlines are set by the court, and they are short — often measured in a small number of days or weeks from when you were served. The exact deadline and what it requires (appearing on a return date, filing a written answer, or both) depend on your state and court, and they are stated on the papers you received. DebtDefense currently supports Virginia; if you’re elsewhere, use your state court’s official self-help resources and don’t rely on another state’s rules. The free analysis reads your specific papers and tells you your deadline.

Frequently asked questions

Not a law firm; not legal advice; no outcome guaranteed. Company facts on this page are sourced to the primary records linked above. Last reviewed July 16, 2026; scheduled for re-verification by 2027-01-16.

Related: DebtDefense guides · How it works