Summary: SynCom collections refers to Synergetic Communication, a full-service debt collection agency that may contact you by phone, letter, or email. Don't ignore them because they're seeking to collect on an unpaid debt and doing so may lead to lawsuits.
Getting contacted by SynCom collections can be stressful.
If you've received a letter, phone call, or email from Synergetic Communication Inc. (also known as SynCom), it's because this debt collection agency is attempting to collect on an unpaid debt. But don't panic. There are specific steps you can take to resolve this debt and start moving forward.
What is SynCom Collections?
SynCom collections is the common name for Synergetic Communication Inc., a full-service debt collection agency that has been operating for over 27 years. The company is licensed to collect debt across all 50 states and Puerto Rico, with their primary office located at 5450 Northwest Central, Suite 220, Houston, TX 77092.
You can reach SynCom collections toll-free at 800-580-8615, but we recommend being prepared before you make that call.
Company Background & Ownership
Synergetic Communication Inc. was founded in 1995 and is privately owned. The company specializes in large balance debt portfolios and has grown to become one of the more prominent collection agencies in the Southwest region. They hold collection licenses in all states where required and are registered with the Better Business Bureau.
Licensing Information
SynCom collections maintains active licenses in states that require debt collection licensing, including:
- Texas (primary license)
- California
- Florida
- New York
- Illinois
- Other states as required by law
You can reach SynCom collections toll-free at 800-580-8615, but we recommend being prepared before you make that call.
Who Does SynCom Collections Collect For?
Historically, SynCom collections has focused on large balance portfolios in the auto finance and mortgage industries. However, as a full-service collection agency, they now assist businesses with collections for various consumer debts including:
- Auto loans and financing
- Mortgage debt
- Credit card debt
- Personal loans
- Medical bills
- Other consumer debts
If you've been contacted by SynCom collections, it's crucial to determine the identity of your original creditor before taking any action.
Is SynCom Collections Legitimate or a Scam?
SynCom collections is a legitimate debt collection agency.
However, based on recent data, they have received numerous consumer complaints like:
- 126 customer complaints with the Better Business Bureau
- 170 consumer complaints with the Consumer Financial Protection Bureau (CFPB)
- 1.3-star rating on Google reviews
Many complaints allege that SynCom collections has contacted customers regarding illegitimate or odious debt, which is why it's essential to validate your debt before proceeding with any payments.
Your Rights When Dealing with SynCom Collections
The Fair Debt Collection Practices Act (FDCPA) protects you from aggressive or misleading collection practices. SynCom collections cannot:
- Fail to identify themselves as debt collectors
- Call you multiple times each day
- Call before 8 a.m. or after 9 p.m.
- Contact you after receiving a Cease and Desist Letter
- Refuse to validate your debt
- Talk to your friends, coworkers, or family members about your debt
- Use threatening or offensive language
- Threaten to have you arrested for not paying your debt
If SynCom collections violate any of these terms, report them to the Federal Trade Commission (FTC) by calling 877-382-4357 or using the FTC website. You can also report violations through the CFPB's website or by calling 855-411-2372.
How to Handle SynCom Collections Phone Calls
So, what can you do if you got that call from SynCom Collections?
Don't Ignore the Contact
Your debt isn't going away on its own, and neither is SynCom collections. Ignoring their calls and letters will only make the situation worse and could result in a lawsuit.
What to Expect When SynCom Collections Calls
Opening Script: "This is [Name] from Synergetic Communication. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Am I speaking with [Your Name]?"
Common Tactics:
- Urgency pressure ("This is your final notice")
- Settlement offers that expire quickly
- Requests for immediate payment over the phone
- Asking for bank account information
Phone Call Script for Consumers
When they call, say: "I need to verify this debt. Please send me written verification including:
- The original creditor's name
- The original amount
- Proof this debt belongs to me
- Your licensing information for my state
I'm exercising my rights under the Fair Debt Collection Practices Act. Please send all future communications in writing to [Your Address]."
Then hang up and follow up in writing.
How to Document FDCPA Violations
Common FDCPA Violations by SynCom:
- Calling outside allowed hours (8 AM - 9 PM)
- Not identifying themselves as debt collectors
- Threatening legal action they don't intend to take
- Discussing your debt with third parties
- Continuing to call after you've sent a cease and desist letter
Keep a Call Log:
- Date and time of call
- Name of collector
- What was discussed
- Any threats or violations
- Call duration
Sample Cease and Desist Letter
[Your Name]
[Your Address]
[City, State ZIP]
[Date]
Synergetic Communication Inc.
5450 Northwest Central, Suite 220
Houston, TX 77092
RE: Cease and Desist - Account #[if known]
Dear Sir/Madam:
This letter is formal notice that you must CEASE AND DESIST all telephone contact with me immediately.
This is your legal notice under the Fair Debt Collection Practices Act (FDCPA) that I am instructing you to cease all telephone communications with me in regard to the alleged debt referenced above.
You are hereby notified that if you fail to comply with this notice, I will file complaints against you with the Federal Trade Commission, the Consumer Financial Protection Bureau, and my state's attorney general's office.
All future communications must be in writing and sent to the address above.
Sincerely,
[Your Signature]
[Your Printed Name]
How to Correctly Respond to SynCom Collections
Request Debt Validation
Before making any payments to SynCom collections, request that they send you a Debt Validation Letter. This letter must explain:
- The name of your original creditor
- The amount of your original debt
- Proof that connects you to the debt
- The date of any previous payments (if any)
- The age of your debt
Important: Never make a "good faith" payment until you're certain the debt is yours. Making a payment can reset the statute of limitations on old debt and make you liable for the entire amount.
What is Debt Validation?
SynCom collections often purchases old debts from original creditors. Sometimes these debts are:
- Already paid
- Not yours due to identity theft or mistaken identity
- Too old to be legally collected (past the statute of limitations)
- Inaccurate in the amount owed
Debt validation is your legal right under the Fair Debt Collection Practices Act (FDCPA). When SynCom collections first contacts you, they must provide a validation notice within 5 days. You then have 30 days to dispute the debt in writing.
Sample Debt Validation Letter Template
[Your Name]
[Your Address]
[City, State ZIP]
[Date]
Synergetic Communication Inc.
5450 Northwest Central, Suite 220
Houston, TX 77092
RE: Account # [if known]
Dear Sir/Madam:
I am responding to your contact regarding the above-referenced account. This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Please provide:
1. The name and address of the original creditor
2. The original amount of the debt
3. A copy of the original contract or agreement
4. Proof that you are licensed to collect debts in my state
5. Verification that the debt is within the statute of limitations
6. A complete payment history showing all payments, fees, and interest
7. Proof that you own this debt or are authorized to collect it
Please cease all collection activities until you provide proper validation. I request that all future communications be in writing.
Sincerely,
[Your Signature]
[Your Printed Name]
What Documents SynCom Typically Provides
When SynCom collections responds to debt validation requests, they typically provide:
- A computer printout showing the debt amount
- A letter from the original creditor
- Sometimes a copy of the original application or contract
- Account statements (often incomplete)
Red Flags in Their Validation Response:
- Generic letters without specific account details
- No original creditor documentation
- Unsigned or illegible documents
- Amounts that don't match your records
Timeline for Validation Requests
- 5 days: SynCom must send initial validation notice after first contact
- 30 days: You have 30 days to dispute the debt in writing
- 30 days: SynCom has 30 days to respond with validation
- Ongoing: If they can't validate, they must cease collection activities
Respond if You've Been Sued
If SynCom collections has filed a lawsuit against you, you must act quickly. You typically have as little as two weeks to respond to a lawsuit. Work with a credit repair agency to draft an Answer, which indicates your willingness to fight the lawsuit in court.
Failing to respond can result in a default judgment in favor of SynCom collections. This means you'll lose the ability to negotiate a lower settlement, and the judge can award SynCom with additional fees that only add to your debt.
Research shows that people who sign up with a credit repair company like ASAP Credit Repair are 7x more likely to skip a debt collection lawsuit. Don't face SynCom collections alone—get the help you need to protect your rights and resolve your debt.
How to Settle with SynCom Collections
If you've verified that the debt is yours, settling may be your best option. Many debt collectors, including SynCom collections, would prefer to accept a lower settlement rather than endure the legal process.
Negotiating Your Settlement
Use help from a qualified professional to negotiate with SynCom collections. This service helps you:
- Avoid direct contact with the debt collector
- Negotiate a fair settlement amount
- Arrange payment once you agree to terms
- Get everything in writing
Settlement Example
Case Study: Maria received multiple calls from SynCom collections about an old credit card debt. Initially, she ignored the calls, but then received a lawsuit notice. She worked with a credit repair agency to file an Answer with the court, then requested debt validation. Once she confirmed the debt was hers, she negotiated a settlement for 40% of the original amount. Her credit repair professional arranged the payment, and Maria was able to resolve the debt without further legal action.
Summary: What to Do if SynCom Collections Contacts You
Immediate Actions
- Don't panic - You have rights and options
- Don't make immediate payments - Verify the debt first
- Keep detailed records - Document all communications
- Request written verification - Get everything in writing
- Know your state's statute of limitations - Old debts may not be collectible
Long-term Strategy
- Validate the debt - Ensure it's yours and accurate
- Negotiate if valid - Get professional help
- Get agreements in writing - Protect yourself legally
- Monitor your credit - Ensure proper reporting after settlement
Preventing Future Issues with SynCom Collections
- Pay bills on time whenever possible
- Communicate with creditors before accounts become delinquent
- Keep records of all payments and communications
- Monitor your credit reports regularly
- Address financial problems early before they escalate
SynCom Collections Lawsuit Information
Interested to know if Syncom Collections sue?
When SynCom Collections Typically Sues
Based on consumer reports and court filings, SynCom collections typically files lawsuits when:
- Debt amounts exceed $2,000
- The debt is within the statute of limitations
- They have proper documentation
- Previous collection attempts have failed
- They believe the debtor has attachable assets
Common Courts Where SynCom Files Lawsuits
Texas (Primary):
- Harris County District Court
- Harris County Justice of the Peace Courts
- Fort Bend County Courts
Other States:
- They typically file in state courts rather than federal courts
- Usually in the county where the debtor resides
- Often in justice of the peace or small claims courts for smaller amounts
Average Settlement Percentages
Based on consumer reports and case studies:
- If sued: 60-80% of original debt
- Before lawsuit: 40-60% of original debt
- Old debts (3+ years): 25-40% of original debt
- Very old debts (5+ years): 15-30% of original debt
Factors Affecting Settlement Amounts:
- Age of the debt
- Your ability to pay
- Strength of their documentation
- Whether you have legal representation
- State laws regarding debt collection
SynCom Collections Lawsuit Defense: What To DO if They Sue You
If SynCom collections has sued you, time is critical. Here's what you need to know:
Common Defenses
- The debt is not yours
- The amount is incorrect
- The debt is past the statute of limitations
- You already paid the debt
- The debt was discharged in bankruptcy
Why You Need to Respond
- Prevents default judgment
- Preserves your right to negotiate
- Allows you to present defenses
- Protects your assets from garnishment
Will Settling with SynCom Collections Hurt Your Credit?
Unfortunately, settling a debt may have some negative impact on your credit score. However, unresolved debt and judgments can have even greater financial consequences. Your best option is to resolve your debt quickly so you can work toward rebuilding your credit.
Resources for Dealing with SynCom Collections
Legal Help
If you need legal assistance dealing with SynCom collections:
- Consumer protection attorneys often offer free consultations
- Legal aid organizations may provide free services
- State attorney general offices handle consumer complaints
Financial Counseling
- Non-profit credit counseling agencies
- Debt management plans
- Financial literacy resources
Bottom Line: Take Action Against SynCom Collections
Don't let SynCom collections intimidate you. You have rights, and there are proven strategies to resolve your debt. Whether you choose to fight the debt in court or negotiate a settlement, taking action is better than ignoring the situation.
Remember: Your debt situation isn't hopeless. Thousands of consumers successfully resolve their debts with collection agencies every year. You can too.
Disclaimer: This article is provided for informational and educational purposes only and should not be considered legal advice. The information contained herein is based on publicly available sources, consumer reports, and general debt collection industry practices as of the publication date.
We are not affiliated with, endorsed by, or connected to Synergetic Communication Inc. (SynCom Collections) in any way. This content is not intended to disparage or make negative claims about SynCom Collections, but rather to help consumers understand their rights and options when dealing with any debt collection agency. Individual experiences with debt collectors may vary, and we encourage consumers to verify all information independently. The strategies and templates provided are general in nature and may not be suitable for every situation.
We recommend that consumers work constructively with debt collectors to resolve legitimate debts. If you believe any information in this article is inaccurate, please contact us so we can review and update the content accordingly. The mention of consumer complaints and ratings is based on publicly available information and is not intended as an endorsement or criticism of the company's practices.
Other Related Articles:
How to Remove Cedars Business Services from Your Credit Report (Step-by-Step)
What To Do If You Have Been Sued By Debt Collectors
Win Your Case Against Portfolio Recovery Associates: Proven Strategies to Fight Back