Public court records · 12 states · 5,864,886 lawsuits · last checked 29 Aug 2026Free. No account. Information, not legal advice.
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COMPANIES → COLLECTION COMPANY → PARAGON REVENUE GROUP

Paragon Revenue Group

Collection company. A company that collects unpaid accounts on behalf of others.

They are real — and in these court files, they hardly ever sue.

We checked twelve states' court records covering more than two million debt lawsuits. Paragon Revenue Group appears on none of them. This is a company that phones and writes rather than files.

Do they sue people?

Rarely, on this evidence. Companies like this usually work accounts on commission for whoever owns the debt, and hand the file back rather than take it to court. The ones that sue in volume buy the debt outright first.

That does not mean nothing can happen. If they return the account, it can be sold on to a buyer who does sue. It means a letter from Paragon Revenue Group is not the same as being sued — check the court record rather than assume.

Is Paragon Revenue Group a scam?

No. They are a real company, and if they have sued you the lawsuit is real too. They appear in those same court records on none of the cases we counted — they collect by phone and letter rather than by filing. But "real" does not mean "always right".

What that means in practice: the fact that Paragon Revenue Group says you owe an amount does not establish that you owe that amount. Consumer debts are sold in bulk spreadsheets, sometimes several times over, and the paperwork proving who owns what is frequently thin.

But what if the papers look fake?

Some real summonses look like junk mail, and some scam letters are built to imitate them. The way to tell is not to guess from the envelope. Look the case up in your own county's court records. Every state has a free public search. If a case number exists and names you, it is real. If nothing exists, the letter is not a lawsuit — whatever it looks like.

Who does Paragon Revenue Group collect for?

Somebody else. Paragon Revenue Group is a contingency collector: they work accounts on commission for whoever owns the debt, and they are paid a percentage of what they recover. The debt itself stays with the original creditor or with a buyer who hired them.

That has a practical consequence. A collector working on commission usually hands the file back rather than take it to court — but an account handed back can be sold on to a debt buyer who does sue. A letter from them is not a lawsuit, and is not a promise that there never will be one.

Should you pay them?

That depends on three things, and it is worth spending ten minutes on them before you send any money.

Is the debt actually yours, in that amount?

Ask them to validate it in writing. You have a right to that, and a collector several owners removed from the original lender sometimes cannot produce it.

Is it too old to sue on?

Every state limits how long a creditor has to bring a case. Once that period has run out the debt is time-barred and cannot be enforced in court — but only if you raise it. A judge will not raise it for you.

Would paying restart the clock?

In many states, making a payment on an old debt restarts the time limit from zero. A small payment made to be cooperative can revive a debt that was legally dead.

The most common expensive mistake

Paying a little to make the calls stop, on a debt that was already too old to sue on. That single payment can hand the collector years of fresh legal life over the full balance.

What happens to the people they sue

70%
of people sued over a debt never respond at all
Under 10%
of defendants have a lawyer — in some states under 1%
1 in 4
cases are dismissed when the person simply files an answer
Type
Collection company
Other names used

When nobody responds the company wins automatically. That is a default judgment, and it means the court never asks anyone to prove they own your debt, that the amount is right, or that the time limit has not expired. A judge checks those things only if you show up and ask.

A study of 2.2 million debt cases in California found only 8.8% of people ever filed a response, and that between 95% and 99% had no attorney. And out of all 2.2 million, fewer than 5,000 ever went to trial — less than two-tenths of one percent. These cases are decided on paperwork, and most are decided because one side sent none.

If you have been served with court papers

Find your dateThere is a deadline printed on your papers, usually 14 to 30 days from the day you were served, differing by state and court. Miss it and the case is over — they win by default and nothing else on this page matters.

Filing an answer is one page. You do not need a lawyer, and in most courts it costs nothing or very little. In it you deny the claim and ask them to prove they own the debt and that the amount is right. That single page moves you out of the 70% who lose automatically.

What happens, and when

StageWhat happens
Day 0You are served with a summons and complaint.
Days 1–30Your window to file an answer. The exact number is on your papers.
If you answerThe case continues. Around one in four are dismissed.
If you do notDefault judgment. They win without proving anything.
After judgmentWage garnishment, bank levy, sometimes a lien. This is where the damage happens.

What they can take — and what they cannot

Wages are only partly reachable. Federal law caps garnishment for ordinary consumer debt at the lesser of 25% of disposable earnings, or the amount by which weekly earnings exceed 30 times the federal minimum wage — protecting roughly $217.50 a week regardless. Many states protect more.

Federal benefits are generally protected. Social Security, SSI, veterans' and most federal benefits are shielded from ordinary debt collectors, and banks must automatically protect a period of directly deposited benefits.

Being uncollectable is a real position. If your only income is protected and you have no attachable assets, a judgment can sit for years collecting nothing. Worth knowing before you borrow to settle.

Check the court records yourself — free

Free help exists in every state

Fewer than one in ten people sued over a debt has a lawyer, and most assume that is because lawyers cost money. Free civil legal aid exists in every state and handles consumer debt, and many courts run self-help centres that will read your papers with you at no charge. People with representation win 53% of the time against 19% without.

How to contact them — and how to check them

File a complaintCFPB complaint form — free, and the company must respond
Licence lookupNMLS Consumer Access · your state attorney general also licenses collectors
Court recordCheck whether a case exists in your name

If you contact Paragon Revenue Group, do it in writing and keep a copy. Anything agreed on a phone call is difficult to prove later, and a written dispute triggers obligations that a phone call does not.

We do not publish payment addresses. They change, and a wrong one costs somebody a payment — use the address printed on the letter or the court papers you were actually sent.

Work out your deadline

Tell us your state and the date you were served. We will show your deadline, the form your court uses, and what happened to other people sued by Paragon Revenue Group.

Other collection companies in these court records

CompanyLawsuits countedCFPB complaints
Med-1 Solutions23,948146
Lobel Financial Corp23,755
Onemain Financial Group LLC22,482
Conn Appliances20,489
Range Credit Bureau Inc19,74516
Lendmark Financial Services LLC18,8102,238
Snow & Sauerteig LLP17,44548
Accounts Receivable Services LLC17,13017

See all 341 companies counted across the twelve states with published court files.

Where these numbers come from

We publish our method and correct mistakes for free. Default judgment rates are recorded inconsistently between courts and undercounted in several states, so we do not publish them per company.

Information, not legal advice. Deadlines and defences vary by state and court.

Who Sued Me

Every company suing people over debt in twelve states, counted from public court records. We publish about companies, never about people.

Sources · 12 state court systems · CFPB complaint database
Corrections

Found a number that looks wrong? Email the page and the figure. We check it against the source file and note the fix on the page.