We understand the importance of providing flexible payment solutions tailored to your needs. Your next step is simple: access our Self-Service Portal. Here, you can view your account information, set up payment plans, make one-time payments, and explore any exclusive offers available to you.

If a creditor such as a bank, credit card company, online lender, or installment loan provider, doesn't receive payments on an account for an extended period, they may choose to "charge-off" the account. This means they classify it as unlikely to be repaid. To mitigate their losses, the creditor may sell the debt or a portfolio of debts. In this process, the right to collect on the debt(s) is transferred to the new owner. Solvent+ is a debt purchaser and servicer that has either acquired or is servicing your charged-off debt.

Borrowers enter agreements with original creditors that can't always be upheld for a variety of reasons, we know that bad things happen to good people. If you're reading this question then you're attempting to do the right thing.

If you've received communication from Solvent+ it means we have purchased or are servicing your debt. Now that we own or are servicing your debt, there are the following benefits:

✅ We are flexible. It is no secret that debt buyers such as ourselves pay less than face value to purchase debt, so we have the flexibility to come to an agreement for less than what was owed to the original creditor.

✅ We are a small business and while we strive to make a return on our investment, we also care deeply about our borrowers and work hard to come to a solution that is agreeable to both parties. You are not just a number to us, you are a human being working hard to improve your financial situation.

✅ We do not charge interest unless a judgement is obtained.

At Solvent+ our approach is to leverage digital communications while providing a platform to facilitate convenient self-service options. If an account has not been acted upon for a significant period of time during our attempts to communicate digitally, then we will sometimes place that account with another collection agency to service the account on our behalf.

Solvent+ was founded by individuals who just so happen to have started their careers as entry-level employees at a major corporate debt buying company. We worked our way up and along the way have touched every facet of debt buying. We've seen the good, the bad, and the ugly. Our mission is to show empathy in everything that we do, treat borrowers as we would like to be treated, and make the entire experience better for borrowers. Simply put, we care about our borrowers and put them first.

Debt buying in the United States came about as a result of the savings and loan crisis in the late 80s / early 90s. The fact of the matter is that debt selling and buying is now an integral part of the lending ecosystem. Creditors will continue selling their debt and companies will continue buying it. Since original creditors are now able to recoup at least some of their losses when it comes to defaulted debt, it helps keep interest rates in check and provides better borrowing options for all of us.

Since debt selling and buying is a fact of life now, we'd like to purchase as much debt and serve as many borrowers as possible because, based on our decades of experience in the industry, we are confident that we can provide better experiences for borrowers than anyone else.