Sued by Absolute Resolutions Investments in Texas: A Practical Guide

A petition filed by Absolute Resolutions Investments, LLC means a company that buys charged-off accounts says it now owns a debt in your name. Letters about the account may come from a related company, Absolute Resolutions Corporation (often shortened to ARC), or from an outside servicer. Sorting out which entity owns the account, and whether the debt is a consumer debt or a business one, shapes the defense from the first day.

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Who Is Absolute Resolutions?

According to its website, Absolute Resolutions Corporation was founded in 2001 and has specialized in the recovery of distressed consumer receivables, business cards and lines of credit, commercial leasing and specialty finance portfolios purchased directly from originators. Its FAQ calls ARC "a receivables management company focused on servicing debt portfolios acquired by our affiliated entities," explains that a letter from ARC means ARC or one of its affiliates now owns a debt you previously owed to another creditor, and says ARC may have a company from its "Servicer Network" work with you.

The website lists P.O. Box 243, Minneapolis, MN 55439, a general number of (800) 713-0670, and a credit reporting and account line of 1-888-766-4028. It states that it is a communication from a debt collector.

Reading the Texas Bond Registry for Absolute Entities

Texas requires third-party debt collectors to keep a surety bond on file with the Secretary of State (Finance Code § 392.101). The Secretary of State's free search lists several Absolute entities, and the entries are not identical. When we searched on November 3, 2026:

• Absolute Resolutions Investments, LLC, file 20190083, filed May 10, 2019, Bloomington, Minnesota address: Active.
• Absolute Resolutions Corporation, file 20170141, filed August 22, 2017: Active.
• An earlier Absolute Resolutions Investments, LLC filing (file 20170043, San Diego address) and an Absolute Resolutions VII, LLC filing (file 20140161) show "Bond Pending Cancellation," and an older Absolute Resolutions Corp filing is canceled.

Because one company may use several related entities, compare the plaintiff's exact name on your petition with the registry and with the sale documents the plaintiff produces. The registry shows only what has been filed with the state; it does not establish that a particular entity owns your account. See do collection agencies have to be licensed in Texas?

Texas Debt Law is not affiliated with Absolute Resolutions Investments, LLC, Absolute Resolutions Corporation or their affiliates.

Consumer Debt or Business Debt?

Absolute's website says it buys business cards, lines of credit and commercial leasing portfolios as well as consumer accounts. That distinction changes the rules:

• The Fair Debt Collection Practices Act and the Texas Debt Collection Act protect consumers with debts incurred primarily for personal, family or household purposes. They generally do not cover business debts. See do the FDCPA and TDCA protect businesses?
• Finance Code § 392.307, which bars debt buyers from suing on time-barred debt, applies to consumer debt.
• If the account was in a company's name and you signed a personal guarantee, the plaintiff may sue both the company and you personally. See what is a personal guarantee?
• A business sued in county or district court generally must appear through a licensed attorney. In justice court, Texas Rule of Civil Procedure 500.3(b) allows some non-lawyer representation of a business.

If a business account is involved, our page for Texas business debt defense explains how those cases differ.

The Answer Deadline

Whether the debt is personal or business, the answer deadline runs from service:

• Justice court: the end of the 14th day after service (Rule 502.5).
• County court at law or district court: 10:00 a.m. on the Monday following 20 days after service (Rule 99(b)).

Our answer deadline calculator will compute the date. Confirm the case with the court clerk, using a number from the court's official website, before you rely on any phone number printed on a letter.

What a Debt Buyer Must Prove in Texas

Absolute Resolutions Investments did not make the original loan, so it must prove the debt and its own right to collect it:

1. The original obligation: the account agreement, your use of the account and your default.
2. Ownership: a chain of sale documents linking your specific account from the originator, through any intermediate owner, to the exact entity that sued you.
3. The amount: the balance as of a stated date after payments and credits, and the legal basis for any interest claimed.

In justice court, Rule 508.2 requires a debt buyer's petition to include the account details, the amount owed as of a date certain, whether ongoing interest is sought and on what basis, and, for assigned debt, the assignment date, prior holders and original creditor. Rule 508.3 requires proof of these points before a default judgment can be entered, and Rule 508.3(b)(4) sets out what a sworn statement offering documents must attest. In county and district court, a plaintiff typically relies on a business records affidavit under Texas Rules of Evidence 803(6) and 902(10). Read more in what does lack of standing mean in a debt buyer case?

Time Limits on Old Accounts

The general limitations period for debt in Texas is four years (Civil Practice and Remedies Code § 16.004). For consumer debt, a debt buyer may not sue after it expires, and a payment or acknowledgment does not revive the right to sue (Finance Code § 392.307). Regulation F separately bars debt collectors from suing or threatening suit on time-barred consumer debt (12 C.F.R. § 1006.26(b)). Even so, limitations is a defense you must raise in your answer. Our update on H.B. 996 and § 392.307 explains the history.

Talking to ARC or a Servicer

Because Absolute says it may assign accounts to a servicer, you may hear from a company other than the plaintiff or its lawyer. Before paying anyone:

• Confirm the lawsuit and the plaintiff's attorney through the court record.
• Get any settlement offer in writing, including whether the case will be dismissed and how the account will be reported.
• Avoid signing an agreed judgment unless you understand that it is a judgment against you.
• Keep records of every call, letter and payment.

When Collection Conduct Crosses the Line

For consumer debts, the FDCPA and the Texas Debt Collection Act prohibit misrepresenting the amount or legal status of a debt, threatening action that cannot legally be taken, and harassment. If a violation occurs, you may have a claim. We file those claims, when the facts support them, as a separate lawsuit in federal court. They are not counterclaims in the collection case, and they are a separate service from debt defense. FDCPA claims generally must be filed within one year (15 U.S.C. § 1692k(d)). See our Texas FDCPA attorneys page.

How Texas Debt Law Can Help

We confirm which Absolute entity is suing and whether the debt is personal or business, file your answer, test the plaintiff's sale documents and affidavits, and negotiate when that makes sense for you. We represent clients throughout Texas, mostly by phone, email and e-filing. Our team speaks Spanish and takes calls seven days a week.

Consumer debt defense is a flat fee based on the amount of the suit, starting at $400, with payment plans available:

Call or text for a free review, or read about our Texas debt defense attorneys.

Sources

• Absolute Resolutions Corporation, official website (portfolio types, contact information)
• Absolute Resolutions Corporation, FAQ (affiliated owners, servicer network)
• Texas Secretary of State, Debt Collector Search (search "Absolute Resolutions")
• Texas Rules of Civil Procedure (Rules 99, 500.3, 502.5, 508)
• Texas Rules of Evidence (Rules 803(6), 902(10))
• Texas Finance Code ch. 392 (§§ 392.101, 392.307)
• Texas Civil Practice and Remedies Code ch. 16 (§ 16.004)
• Regulation F, 12 C.F.R. § 1006.26
• Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p

General information, not legal advice for your case.