If "Absolute Resolutions" has appeared on your credit report or started contacting you -- possibly under a slightly different name than the one collecting -- your first question is probably whether it's a real company or a scam. The short version: it's real. Knowing how it operates changes how you should respond.
Short answer
Yes, Absolute Resolutions is a legitimate, established debt buyer. It is not a scam. The smartest way to deal with it is to slow down, put everything in writing, and make it prove -- in writing -- that it owns your specific account and that the amount is correct before you agree to or pay anything.
Who Absolute Resolutions is
Absolute Resolutions is a debt buyer, and that distinction matters. A traditional collection agency is hired by your original creditor and collects on that creditor's behalf. A debt buyer, by contrast, purchases portfolios of charged-off consumer accounts -- commonly credit-card and other unsecured debt -- for a fraction of the balance, and then collects in its own name and for its own account. You may see the account under the buyer's own entity name (often styled as Absolute Resolutions Investments, LLC) while a different affiliated collector or law firm does the actual contacting -- a two-name setup that can be confusing. The flip side of that unfamiliarity is your leverage: a debt buyer must be able to document the chain of title -- the assignment from the original creditor down to itself -- and prove the balance it's claiming. That documentation gap is often where consumers have the most room to push back.
Is it a scam?
No. Absolute Resolutions is a real, established buyer, not a scam operation. That said, the collections space attracts impostors: scammers sometimes spoof or impersonate legitimate collector names to phish for your bank-account or card details, or pressure you into paying a debt that isn't even yours. So treat the company as legitimate while staying alert to fraud. Verify that any contact is genuinely connected to Absolute Resolutions, insist on communicating in writing, and never share financial information on an unexpected inbound call. Collectors have at times drawn general regulatory scrutiny over how consumer accounts are handled, which is all the more reason to keep every interaction on the record.
How to deal with Absolute Resolutions
- Do not admit the debt is yours or promise to pay on a phone call.
- Demand debt validation in writing within the 30-day dispute window -- for a debt buyer, this is where you force it to show who owns the account and how the balance was calculated.
- Check the statute of limitations first -- a payment or written promise can restart the clock, and buyers often pursue old accounts.
- Dispute anything inaccurate with Absolute Resolutions directly and with the credit bureaus.
- Verify the contact is really connected to Absolute Resolutions, and never share bank-account or card information on an unexpected call.
- If you are sued, never ignore the summons -- file a written answer by the deadline and demand proof that it owns your specific account.
If the debt is really yours
Because Absolute Resolutions deals in unsecured, charged-off consumer debt that it bought at a discount, there's usually real room to negotiate a settlement for less than the full balance. Before you pay anything, ask whether the person you're dealing with has authority to settle the account, and get the final terms in writing -- what you'll pay, that it resolves the account, and how the remaining balance will be reported. Keep that written agreement. And be aware that if a collector forgives more than $600 of a balance, it may issue a 1099-C, meaning the forgiven amount could be treated as taxable income; factor that into whether a settlement makes sense for you.
This page is general information, not financial or legal advice. Debt-collection rights and the statute of limitations vary by state; confirm your situation with a qualified attorney or your state attorney general's office.