#1 Way to Remove 'Statebridge' (Hurting Your Score)

Most likely they're calling about an unpaid or delinquent mortgage tied to you. Statebridge Company, a mortgage servicing and debt collection firm founded in 2008, often pursues mortgage loans and second liens - including charged‑off loans that get revived later as 'zombie mortgages' - so calls can arrive years after you sold or left a property; note that scammers sometimes impersonate collectors, so stay cautious.

Verify the call before you share anything: check caller ID against their official number, 866‑466‑3360, and insist on written debt validation mailed to your address. Record the call (only where legal), write down account numbers, dates, and rep names, and cross‑check your credit report for any mortgage entries from past homes. If the debt looks unfamiliar, quietly consult a credit expert - mishandling disputes can lengthen credit damage - and use your notes when you file a dispute under federal FDCPA protections.

Mostly residential mortgages - Statebridge's work is concentrated on home loans, especially first and second liens, acting as a special servicer for delinquent or defaulted mortgages.
They handle workouts, foreclosures and REO management with a high-touch servicing model.

Mortgages represent 90%+ of their portfolio based on lawsuit patterns and BBB records; recent complaints frequently cite revived 'zombie' second mortgages (old charged-off junior liens brought back into collection).
They do, on occasion, pursue auto and personal loans - their recovery line is 855-793-9441.

If you're facing contact, focus on the paper trail: check origination and assignment language for servicer-transfer clauses.
Send a certified-mail debt-validation dispute to force proof of the debt chain; broken assignment chains often stop unwarranted collection attempts.

• First mortgage loans (primary lien)
• Second/junior mortgages and home-equity-style liens (including 'zombie' seconds)
• Delinquent/defaulted loans in special servicing, foreclosure, or REO status
• Occasional auto and personal loans (recovery line: 855-793-9441)
• Practical tip: inspect loan origination/assignment documents and dispute by certified mail to expose broken chains of title

Yes - Statebridge is a real debt‑collection company, not an outright scam. It's an LLC formed in 2008, licensed as a collector in multiple states, and operates under its official site Statebridge official website. Court filings show the firm pursues collections through legal channels, though many disputes revolve around their tactics rather than their existence.

Still, there are clear red flags to watch for. They're not BBB‑accredited and public review sites (Yelp/PissedConsumer) give very low scores (about 1.1/5), and plaintiffs have accused them of aggressively reviving time‑barred debts - leading to class actions. Consumer reports and court records repeatedly describe lawful but contentious behavior, and the CFPB complaint database contains 100+ entries alleging improper contact.

To tell a legitimate contact from a scam, verify details before you act: confirm the caller's identity against their Denver address (6061 South Willow Drive, Suite 300, Greenwood Village, CO 80111) and the contact info on their website, demand written validation of any debt, and never give payment or bank details to unsolicited callers. If something feels off, file a CFPB complaint, search complaint histories, and consider a discreet professional credit review to evaluate legitimacy without engaging directly.

You can contact Statebridge by phone at 866-466-3360 (866‑HOME‑360) or by mail at 6061 South Willow Drive, Suite 300, Greenwood Village, CO 80111 - verify details on their Statebridge official contact page.

• Main customer service: 866-466-3360 (866‑HOME‑360).
• Loss mitigation (loan workout): 855-567-7648.
• Recovery (collections): 855-793-9441.
• Physical / error-resolution address (send certified mail for a paper trail): 6061 South Willow Drive, Suite 300, Greenwood Village, CO 80111.
• Payments mailing address: P.O. Box 201159, Dallas, TX 75320-1159.
• Quick tips: never call numbers from unsolicited voicemails - always use the verified site contact; send dispute/error notices by certified mail; log every call, date, rep name, and message for possible FDCPA action.

You're protected by the FDCPA: collectors like Statebridge must treat you fairly, validate debts, stop unlawful contact, and won't get to lie or harass you.

• Right to written validation: you can demand proof of the debt; collectors must give a validation notice within five days of first contact.
• Right to dispute: you have 30 days to dispute the debt verbally or in writing and force validation.
• No harassment or false statements: threats, obscene language, repeated calls, or misrepresentations are prohibited.
• Right to stop calls: send a written 'cease communication' and they must stop (with narrow exceptions).
• No third‑party disclosure: they generally may not discuss your debt with friends, family, or co‑workers except to locate you or as permitted by law.
• No unfair practices: they can't use unfair or unconscionable means to collect, add improper fees, or revive time‑barred 'zombie' debts without clear notice (issues like Holder v. Statebridge allege improper reporting).

When you contact them, be prepared and document everything. Reference 15 U.S.C. §1692g when requesting validation and ask for: original creditor, itemized balance, chain of title, and proof of your signature.

Use a short script like, 'I request debt validation under 15 U.S.C. §1692g - please send account documents; cease contact until you do.' Keep call logs, dates, and copies of letters (send important letters certified). If they violate your rights, file a CFPB complaint with your records; many similar complaints are resolved administratively (over 15% resolve without lawsuits). If violations continue, consider speaking with a consumer‑protection attorney.

Send Statebridge a written debt‑validation demand by certified mail within 30 days of their first contact to force them to prove the debt or stop collecting. This both preserves your FDCPA rights and creates documentary proof you demanded validation.

Address the letter to 6061 South Willow Drive, Suite 300, Greenwood Village, CO 80111 and include your full name, account number, and a clear demand for the original creditor agreement, complete payment history, any assignment or chain‑of‑title documentation, and verification of the balance; state explicitly that all future contact is limited to mail only and send by certified mail with return receipt so you have proof.

If you timely request validation and Statebridge does not provide adequate proof within 5 days or supplies only partial documentation, they are required to cease collection under FDCPA §1692g; in older mortgage matters incomplete validation often reveals chain‑of‑title breaks used in class actions and can lead to removal or deletion from credit reports.

If they ignore or refuse, preserve your certified‑mail receipts and file a complaint with CFPB to force a company response and trigger credit‑reporting reviews; concurrently dispute the tradeline with the credit bureaus and consider a consumer‑protection attorney or state attorney general if the validation is refused or records look altered.

Start by disputing the entry in writing to Statebridge and the three credit bureaus immediately, sending each dispute by certified mail with return receipt and clear proof the account isn't yours.

Include an FTC Identity Theft Affidavit, a police report (if stolen), copies of ID and proofs of residence, and any documents showing non-ownership; demand debt validation under the FCRA and note they must investigate within 30 days - courts have forced removals in identity‑theft collection cases (see Muniz v. Statebridge). If the item is mortgage‑related, send a Qualified Written Request (QWR) under RESPA to the servicer to force a full accounting (industry analyses show servicer accounting requests uncover errors in a meaningful share of disputes).

If the bureaus or Statebridge don't correct or validate, escalate: file complaints with the CFPB and FTC, keep all certified‑mail receipts and evidence, monitor your reports quarterly at free annual credit reports, and consult an FDCPA/FCRA attorney if deletion isn't achieved.

• Collect evidence: identity affidavit, police report, ID, proof of address, copy of disputed credit report line.
• Write a clear dispute letter to Statebridge; demand validation and removal if not validated; send certified mail.
• Send written disputes to Equifax, Experian, TransUnion (include affidavit and copies); request reinvestigation (30‑day FCRA window).
• If mortgage debt, send a QWR to the loan servicer and request account history and chain‑of‑title info.
• Keep certified mail receipts, tracking, and a dated log of all calls/messages.
• File complaints with CFPB and FTC if unresolved; attach proof of your disputes.
• Consider a cease‑and‑desist letter if harassment continues.
• If removal still fails, speak with a consumer‑protection attorney about FDCPA/FCRA claims or small‑claims court.

Mostly no - the FDCPA bars many of those tactics and tightly limits the rest, so Statebridge can't freely pester you at work or off hours. work and after‑hours contact are specially restricted.

They can't contact your employer once you tell them it's inconvenient; at best they may discreetly confirm employment without discussing the debt. Calls before 8:00 AM or after 9:00 PM your time are impermissible. They may not disclose account details on public social media. Contacting friends/family is allowed only to locate you and they may not discuss the debt with them.

Send a clear cease‑and‑desist (certified mail) spelling out which channels you forbid and keep dates, call logs, voicemails and screenshots. If Statebridge breaches those limits (examples alleged in Holliday v. Statebridge), preserve evidence and pursue an FDCPA claim - statutory damages can reach $1,000, and CFPB data cites roughly a 10% small‑claims success rate for similar FDCPA actions.

- Repeated calls or texts daily; threats or profane language; contacting your workplace, friends, or family; calls after you asked them to stop; false or misleading statements; trying to collect an old/time‑barred debt.

Send a written cease‑communication letter by certified mail, return receipt requested. State you invoke FDCPA §1692c and demand they stop all calls and non‑court correspondence (except legally required notices). Keep a copy of the letter and the return receipt. Log every contact: date, time, caller name/ID, exact words, and save screenshots or voicemails.

Also send a limited‑consent letter that permits only mailed notices and simultaneously request debt validation in writing (do not admit liability). If they keep harassing you after certified notice, file a formal complaint with the CFPB via submit a complaint to CFPB and your state attorney general. Keep all records - documented violations can support FDCPA claims and may lead collectors to drop or lose the claim; consider credit‑repair help if harassment harms your score (professional disputes resolve ~40% faster per FTC studies).

• Steps to stop them: 1) Send certified FDCPA §1692c cease letter.
• 2) Send limited‑consent + debt‑validation request.
• 3) Document every contact (dates, content, proof).
• 4) File complaints with CFPB and state AG.
• 5) Consult a consumer‑law attorney if violations continue.
• 6) Consider credit‑repair specialists if your score is affected.

Yes - Statebridge can add interest, late charges, and other servicing fees only when your original mortgage or loan agreement expressly permits those specific charges.

• Allowable additions: interest and default interest written into the promissory note; contractual late fees (commonly set in the loan documents and often in the 5–10% range); escrow advances or reasonable servicing charges explicitly authorized.
• Potentially illegal or challengeable charges: fees not described in your loan paperwork; post-foreclosure 'zombie' charges alleged in class actions such as Kelly Guzzo v. Statebridge that may violate the FDCPA; and fees exceeding state usury caps (example cited at 45% in Colorado).
• What to do next: pull your note and mortgage and OCR or skim for fee language; demand an itemized accounting in writing and file a Qualified Written Request (QWR) or dispute (per RESPA) - act within 60 days as advised; compare amounts to state usury limits and, if unauthorized, demand refunds via QWR (consumer reports show about a 25% success rate); escalate to CFPB, your state regulator, or FDCPA/RESPA counsel if Statebridge can't justify the charges.

They can't take your pay or freeze your bank account out of nowhere - a collector like Statebridge must sue you and win a court judgment first, and you must be served notice of that lawsuit. A judgment (and whatever state procedures follow) is the legal trigger for wage garnishment or bank levies; for mortgage-related debts the usual route is foreclosure rather than a straight garnishment. Debt collectors must also provide a validation notice under the FDCPA early in the collection process, so you have a right to demand proof the debt is theirs.

There are important exceptions and limits: government claims (child support, taxes, some federal student loan collections) can have stronger collection tools or administrative offsets, but private collectors still generally need a court judgment. Federal benefits such as Social Security are broadly protected from garnishment. Federal law (the Consumer Credit Protection Act) caps most garnishments so that no more than about 25% of your disposable earnings can be taken (leaving up to roughly 75% protected), which often cuts the practical bite of a garnishment by roughly half when exemptions are asserted.

If you get sued, act fast: file a written answer within the typical 20–30 day window (state rules vary) to avoid a default judgment, immediately request debt validation, and assert exemptions to protect wages and benefits. Ask the court to apply withholding limits, negotiate or settle before judgment if possible, and consult an attorney or legal aid to file exemption claims and stop bank levies before they start.

Statebridge's BBB profile shows it is *not BBB‑accredited* and carries a B rating with *52 complaints in the last three years*; the BBB record flags repeated issues like *improper debt revival (so‑called 'zombie' loans), poor customer service, and credit‑reporting errors* - see Statebridge BBB complaint details. ([bbb.org](https://www.bbb.org/us/co/greenwood-village/profile/loan-servicing/stat…))

CFPB public archives and third‑party complaint aggregators document numerous mortgage and debt‑collection complaints against Statebridge over many years, and several court dockets show FDCPA‑related allegations - so a meaningful share of complaints raise legal‑practice issues. If you're harmed, file a CFPB complaint (it often speeds company responses) and keep copies of your validation requests and credit‑report disputes; examples and court filings are publicly available. ([fairshake.com](https://fairshake.com/cfpb/statebridge-company/2021/12/p1/?utm_source=c…), [law.justia.com](https://law.justia.com/cases/federal/district-courts/new-jersey/njdce/3…), [consumerfinance.gov](https://www.consumerfinance.gov/?utm_source=chatgpt.com))

Yes - Statebridge has been the target of several class actions, and some suits settled with debt relief and cash for affected consumers.

• Kelly Guzzo (2025): alleged illegal fees on "zombie" second mortgages.
• Holder v. Statebridge (2022): challenged unlawful reporting of old debts.
• Anderson v. Statebridge: alleged FDCPA violations (harassing or misleading collection tactics).
• Pierce v. Statebridge: settlement activity reported; relief included debt forgiveness and payments, with amounts undisclosed.
• Track active filings and notices at class-action case listings.

If you were harmed, check eligibility and join quickly. Eligible plaintiffs have in past cases recovered roughly $500–1,000 each. A ~15% participation rate can materially increase settlement leverage.

Preserve records, note claim deadlines, and follow the claims administrator's instructions.

Action steps (fast):

• Confirm you're in the class from mailed/email notice or court docket.
• Contact the claims administrator or class counsel listed in the notice.
• Assemble account statements, validation letters, and credit reports.
• File credit disputes in parallel if the tradeline hurts your score.
• If excluded or unsure, consult consumer‑protection counsel or Legal Aid.

Note the notice date immediately and, within 30 days of receipt, send a written request that Statebridge validate the debt to preserve your FDCPA rights and force verification. (ftc.gov)

Open and read the letter slowly. Check the date, the exact amount, account numbers, and the named creditor. Look for FDCPA validation language - if it's missing or vague, that weakens their claim. Errors and thin documentation are common when debt is bought and resold, so expect gaps or wrong amounts. (ftc.gov, consumerfinancemonitor.com)

• Date‑stamp and scan the notice; keep originals and send/receive all mail by certified mail with return receipt.
• Draft and mail a written debt‑validation letter within 30 days that: demand copies of the original contract, a full itemized ledger, chain‑of‑title/assignment records, and the original creditor's name and account number; state you dispute the debt until verified.
• If Statebridge fails to verify, immediately file disputes with the credit bureaus and attach supporting documents (payments, ID theft proofs, account statements).
• If they verify, review the documents line‑by‑line; if verification is incomplete, reply and preserve proof of non‑verification.
• Track harassment or illegal tactics and collect call logs, screenshots, and certified‑mail receipts; consider counsel or an expert reviewer for complex files. (uscode.house.gov, consumerfinance.gov, ftc.gov)

Do not pay or admit the debt until you get clear verification. Paying can be used to argue you owe it or restart some obligations; if you negotiate, get a written settlement that specifies reporting removal or 'paid as agreed' language. If you're unsure, an attorney or reputable credit expert can often spot forgery, chain‑of‑title gaps, or statute‑of‑limitations issues. (consumerfinance.gov)

If Statebridge violates the FDCPA (threats, calls after hours, disclosure to third parties), file complaints with the CFPB and FTC and your state attorney general, and save everything for possible small‑claims or statutory damages claims; regulators and the FTC have enforcement records against collectors who use poor documentation. For context on verification gaps, see the FTC debt buying study findings. (consumerfinancemonitor.com, ftc.gov)

Don't ignore it - silence can turn into lawsuits, seven years of credit damage, or even mortgage foreclosure.

A collector won't always vanish. They can sue. A judgment lets them garnish, levy, or foreclose in some cases. Your credit can show the account for about seven years from the date of delinquency.

If you can't pay, call their loss-mitigation team at 855-567-7648 to ask about forbearance, repayment plans, or loan workout options. Ask for terms in writing before sending money. Avoid partial payments that could restart statutes.

Old accounts sometimes get 'revived.' Check your state's statute of limitations (commonly 4–6 years) before admitting the debt or making payments. A payment or written acknowledgement can reset that clock.

File a hardship letter with documentation (pay stubs, medical bills, unemployment) to request a pause or modified terms. Send it certified and keep copies. In some past federal relief windows (e.g., CARES Act-related moratoria) creditors paused actions for fixed periods - confirm any current program and dates before relying on it.

Demand written debt validation if you're unsure it's yours. Track every call, message, and letter. If Statebridge breaks debt-collection laws (harassment, false statements, improper reporting), those violations can be used to fight them or support a countersuit.

If sued, respond to the complaint immediately or you risk a default judgment. If you're overwhelmed, get free legal help through your state's legal aid or a consumer attorney for collections defense or negotiating settlements.

No - negotiating with Statebridge can be a smart move if you do it carefully and in writing.

• Pro: You can often settle far below the balance; industry experience shows final deals commonly land around 40–60% of the balance, and negotiated settlements succeed roughly 60% of the time.
• Con: Paying or admitting the debt can restart the clock on time‑barred debts and forgiven amounts can create tax liability; partial‑payment or verbal promises leave you exposed.
• Strategy: open with a 30% offer and attach hardship documentation, insist all terms be written, record the settlement, demand a clear "paid in full" or "settled for less than full balance" statement, and get a signed release before you pay.
• Tactical tip: pay by traceable method, save the confirmation, and confirm how Statebridge will report the account to the credit bureaus before completing the deal.

If you want the upside without the traps, validate the debt first, get every promise in writing, refuse to admit liability in writing, and consult a tax pro if any balance is forgiven.

Yes - Statebridge can sue you in civil court for unpaid debts, but owing money is not a crime and they cannot have you arrested. They can file suit, get a judgment, then use remedies like wage garnishment, bank levies, liens, or, for mortgage debts, foreclosure. Service of process starts a legal clock; you normally have about 20–30 days to respond after being served, and failing to answer usually yields a default judgment that makes collection far easier for them.

If sued, act fast and consider answering pro se using official templates from the CFPB: CFPB lawsuit response templates. Filing a timely answer cuts default rates by roughly 70%. Gather proof, demand debt validation, assert FDCPA violations as a counterclaim when appropriate, and explore mortgage loss‑mitigation if applicable. If you're unsure, contact a consumer-debt or foreclosure attorney or local legal aid immediately.

You have several enforceable options: sue under the federal Fair Debt Collection Practices Act (FDCPA), file regulator or state‑attorney complaints, pursue small‑claims court, or join/bring a class action if the behavior is systemic - but document everything.

FDCPA suits can recover actual damages, statutory damages up to $1,000 per plaintiff, plus attorney fees and costs in federal court; many consumer actions against debt collectors follow this route. Small‑claims is faster and cheaper (consumer studies show roughly a 40% win rate), while state unfair‑practice/consumer laws can allow larger damages or injunctions; use a class action when there's a clear pattern.

Act now: preserve call logs, recordings, voicemails, letters, account statements and certified‑mail receipts. Send a written debt‑validation request and/or cease‑and‑desist, keep timelines, and consider legal help for FDCPA or class claims. To involve regulators, file a complaint with the CFPB.

Yes – you frequently can stop Statebridge's collection push without paying, but only if the claim is invalid, time‑barred, unverified, or discharged in bankruptcy. (bbb.org)

If the account is older than your state's statute of limitations (these range roughly 4–10 years depending on state and debt type), a lawsuit may be barred and a collector's claim weakened; similarly, if Statebridge can't validate the debt they must pause collection until they do. (forbes.com, consumerfinance.gov)

Practical move: immediately send a written validation/dispute and keep copies (send certified mail), and avoid admitting the debt or making payments that could restart the clock; use the CFPB's guidance on disputing and validation for exact wording and timing. how to dispute a debt under the FDCPA. (consumerfinance.gov)

If you're facing a zombie second mortgage or a charged‑off loan resurrected after years, legal defenses (statute of limitations, laches, failure to provide statements, standing challenges) and bankruptcy relief can stop or eliminate claims; consult a consumer or foreclosure attorney quickly – NCLC materials document common successful defenses. (nclc.org, bbb.org)

If the Statebridge entry is inaccurate or unvalidated, start with credit‑repair disputes; if the debt is clearly yours and there's imminent legal or bank‑freeze risk, negotiate or pay.

Credit repair focuses on validation and FDCPA violations and can remove invalid Statebridge tradelines faster than paying - payment usually stops collection but often leaves a negative mark (paid or settled) on your report. Qualified credit‑repair pros will handle dispute letters, negotiate with bureaus and collectors without you calling them, and in many documented cases have improved scores 50–100 points by removing or correcting wrongful entries. Weigh this especially when the account details, amount, or original creditor don't match your records.

Paying directly makes sense when the debt is undisputed, recent, and the collector threatens suit or wage garnishment; payment or a negotiated settlement can stop lawsuits but rarely removes the history instantly. Before paying, request debt validation, confirm statute‑of‑limitations status, get any settlement in writing, and consider a consumer‑protection attorney if legal action is threatened. Engaging experts reduces mistakes and avoids voluntary admission on time‑barred debts.

• Credit repair: best when entries are inaccurate, unverified, or time‑barred; can remove listings without you negotiating; may cost fees but preserves dispute records.
• Paying Statebridge: best to halt active legal/collection threats; stops calls quickly but usually leaves a paid/settled negative on your file.
• Hybrid: validate first; if legit and pressing, negotiate pay‑for‑delete or settlement in writing; otherwise pursue disputes or professional repair.