Absolute Resolutions wrote to you. First, is this a personal or a business account?

Absolute Resolutions Corporation and Absolute Resolutions Investments, LLC describe themselves together as one company, headquartered in Bloomington, Minnesota, that buys distressed consumer receivables, business cards and lines of credit, and manages accounts for creditors.

So the letter may come from the Corporation while the Investments company is the creditor named on the notice, and on any lawsuit. Your dispute goes to the address on the notice, and our form puts Absolute Resolutions Investments, LLC in the "current owner" field so the letter asks that company to prove it owns your account.

It says it works with accounts at every stage, from performing to non-performing. So this is not only for very old debts. Check the notice for the original creditor and the date of default.

Since 2001, it says, it has specialized in distressed consumer receivables, business cards and lines of credit, and commercial leasing.

The federal debt collection law covers only debts for personal, family or household purposes. A debt that was mainly for a business is generally outside it. The dispute rights this letter relies on, including the pause on collection after a written dispute, come from that law. If your account was a business card or a business line of credit, those rights may not apply, though state law or the original agreement may still give you some.

Our check cannot tell from your answers whether an account was for business. If it was, we would rather you knew before paying for a letter. For a business debt, a business attorney or your state's small business development center is the better first stop.

Absolute Resolutions lists a separate number, 1-888-766-4028 for credit reporting or account questions, for credit reporting questions. Use it to ask what is being reported, but put any dispute in writing.

Written correspondence is available in large print on request. TTY users can call (800) 877-8339. For New York City consumers, it says it currently communicates only in English.

You can also tell Absolute Resolutions to stop calling and use mail only.

Absolute Resolutions owns the accounts it collects, so it can go to court. If you are served, read how to respond to a debt lawsuit before the deadline, and check whether the account is already too old to sue on.

If Absolute Resolutions has added the account to your credit report, our guide to removing collections from your credit report explains when an entry can be disputed. And if it is the calls that are the problem, you can tell a debt collector to stop contacting you in writing.

Our free scam checker compares a message's phone numbers and links with Absolute Resolutions's official ones, and our page on debt collection scams explains what to look for.

Suppose Absolute Resolutions Corporation mails a validation notice on Monday, March 15, 2027 about a $6,410.00 personal loan you took out for a car repair.

1. No holidays fall in the next week, so the fifth working day after mailing is Monday, March 22, 2027.
2. The dispute period can end no earlier than Wednesday, April 21, 2027.
3. Because the loan was for personal use, the federal dispute rights apply. If it had been a loan for your business, they might not.
4. Mail the dispute to the address on the notice, naming Absolute Resolutions Investments, LLC as the current creditor.

For the rules that apply where this example is set, see debt collection law in Michigan.