Optio Solutions: Who They Are and Your Rights

Type

Collection agency

Also known as

Optio Solutions, LLC; Optio

Headquarters

Petaluma, CA

Collects

auto loans, education and student loans, utility bills, financial services accounts, medical bills, insurance, property management balances, retail accounts, telecommunications bills

Phone numbers it lists

(800) 433-5709, (866) 401-0788

Website

optiosolutions.com

678 debt collection complaints were sent to the Consumer Financial Protection Bureau about Optio Solutions, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Optio Solutions?

Optio Solutions, LLC describes itself as a nationally licensed accounts receivable management company headquartered in Petaluma, California. Its main address is 1444 North McDowell Blvd., Petaluma, CA 94954. The consumer page lists a California license number (10900-99), Nevada licenses, and a Maryland unique identifier (934039) that can be looked up on NMLS Consumer Access. California licensing matters to many readers because the California Department of Financial Protection and Innovation licenses debt collectors under that state's Debt Collection Licensing Act.

Why Optio Solutions May Be Contacting You

Optio's site lists a long set of client industries: automotive, commercial, education and student loans, energy and utilities, financial services, healthcare, insurance, property management, retail and telecommunications. It lists both first-party and third-party collection services among its solutions.

So a call from Optio may concern an auto loan or a deficiency after a repossession, a private or school student loan, a final utility bill, a medical balance, a former apartment, or a store or insurance account. Optio's consumer page asks people to call back with the reference number on their notice: (800) 433-5709 if you received a call, or (866) 401-0788 if you received a letter. Its hours are listed in Pacific time, starting at 5 a.m. on weekdays.

How to Check a Debt Optio Solutions Says You Owe

With a collector that handles this many account types, nail down the creditor first, then the balance.

• Get the reference number and the creditor's name. The validation notice must name the creditor and itemize the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. For a car loan, ask for the contract, the repossession and sale notices, and how the sale price was applied. For a student loan, ask whether it is a federal or private loan and who holds it. Optio must stop collecting until it verifies.
• Ask whether the account has been sold. You are entitled to know the current owner.
• Compare to your records and look for fees or interest that your contract does not allow.
• Check the dates. In Texas, most suits on consumer debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Federal student loans and debts in other states follow different rules.

What Optio Solutions Can and Can't Do

When Optio collects defaulted debts as an outside agency, it is a "debt collector" under 15 U.S.C. § 1692a(6). Some limits worth knowing:

• Calls before 8 a.m. or after 9 p.m. in your time zone are presumed inconvenient (15 U.S.C. § 1692c(a)(1)). An early-morning West Coast call center does not change your local hours. See what times collectors can call.
• No more than seven calls in seven days about a given debt (12 C.F.R. § 1006.14(b)(2)).
• It may not add collection fees or interest unless the agreement or law allows (15 U.S.C. § 1692f(1)).
• It may not threaten repossession, a lawsuit, or garnishment it cannot or will not pursue. Texas does not allow wage garnishment for ordinary consumer debts.

If you believe Optio crossed the line, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Optio Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Optio Solutions: home page
• Optio Solutions: About Us
• Optio Solutions: Did You Get a Call or Letter?
• CFPB Consumer Complaint Database: Optio Solutions, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Optio Solutions has violated any law. Company details change; tell us if something here is out of date.