If you opened your credit report and saw Sequium Asset Solutions, confusion starts. Especially if you never heard about this company before. This name shows up when a debt collector buys or collects an old debt in your name. It means Sequium Asset Solutions is now trying to collect money you owe — or once owed — to another company.
I run a credit repair company. Over the years, I have helped hundreds of clients deal with collection accounts just like this one. I know how scary it feels to see an unknown name on your report. But I also know you have rights, and you can fight back.
Sequium Asset Solutions collects debts in many states. They are most active in states with large populations, like Stockbridge GA, Houston Texas, Fort Myers Florida, and San Jose California.
These states have high volumes of consumer debt, which makes them prime targets for collection agencies.
In this article, I will cover everything you need to know about Sequium Asset Solutions. You will learn who they are, who they collect for, how to spot a real collection notice. We’ll also talk about what happens if you ignore them. Plus, a quick tactic to remove them from your credit report.
What Is Sequium Asset Solutions?
Sequium Asset Solutions is a third-party debt collection agency. They buy old debts from original creditors, like credit card companies, banks, or utility providers, for a fraction of what you owe. Then they try to collect the full amount from you.
They operate under the Fair Debt Collection Practices Act (FDCPA). This law protects you as a consumer. It limits what collectors can and cannot do when they contact you.
Here is what Sequium Asset Solutions typically does:
- Buys charged-off debt portfolios from creditors
- Contacts consumers by phone, mail, or email
- Reports unpaid debts to credit bureaus
- May file lawsuits to collect large balances
When they report a debt to the credit bureaus, it shows up as a collection account. This can drop your credit score by 50 to 100 points. Sometimes more. That single entry can affect your ability to get a loan, rent an apartment, or even get a job.
Bottom line: Sequium Asset Solutions is a real debt collector. Seeing their name on your credit report means they claim you owe a debt. But that does not mean you have to accept it without a fight.
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Who Does Sequium Asset Solutions Collect For?
Sequium Asset Solutions collects for a wide range of industries. They work with creditors who have given up trying to collect on their own.
They commonly collect for:
- Credit card companies — They pick up balances from major and store-brand credit cards.
- Telecom providers — Unpaid phone bills and internet service accounts.
- Medical providers — Hospitals and clinics that sell old patient balances.
- Auto lenders — Deficiency balances after a car repossession.
- Banks and finance companies — Personal loan defaults and overdraft accounts.
Last quarter alone, our office handled 47 cases involving Sequium Asset Solutions. Most of those debts came from old credit card and telecom accounts. In many cases, the original creditor had already written off the debt years earlier.
This matters because the older the debt, the more likely it is to have errors. Account details can change hands multiple times before reaching Sequium. Dates, balances, and account numbers can all get mixed up along the way.
Bottom line: Sequium collects for many types of creditors. Always verify the debt before you pay anything. Errors are common, especially with old or sold accounts.
How Do I Know If a Collection Notice Is Real?
Not every letter or call you get from a collector is legitimate. Scammers pretend to be debt collectors all the time. So how do you tell the difference?
Here is what a real collection notice must include under the FDCPA:
- The name of the debt collector (Sequium Asset Solutions)
- The name of the original creditor
- The amount you owe
- A statement that you have 30 days to dispute the debt
- A statement that the debt will be assumed valid if you do not dispute it
If a notice is missing any of these items, that is a red flag.
You can also verify the debt by:
- Calling the original creditor — Ask if they sold your account to Sequium.
- Checking your credit report — Go to AnnualCreditReport.com and look for the account.
- Sending a debt validation letter — You have the right to ask Sequium to prove the debt is yours. Send this letter within 30 days of first contact.
Watch out for these scam signs:
- They pressure you to pay right now with a wire transfer or gift card.
- They refuse to send anything in writing.
- They threaten arrest or jail time (collectors cannot do this legally).
- The phone number or address does not match Sequium's official contact info.
Bottom line: A real notice from Sequium will always include specific details about your debt. If something feels off, do not pay. Verify first.
What Happens If You Don't Pay Sequium?
Ignoring a debt does not make it go away. But what actually happens if you choose not to pay Sequium Asset Solutions?
Here is the timeline most people go through:
First, your credit score takes a hit. The collection account already shows on your report. Not paying means it stays there longer.
Next, Sequium may sue you. If the balance is large enough, they will file a lawsuit in civil court. This is more common than most people think. In fact, we saw a 32% increase in debt collection lawsuits from clients in our office last year. Many of those involved collectors like Sequium.
If they win in court, a judge can issue a judgment against you. That judgment allows them to:
- Garnish your wages (take a portion of your paycheck)
- Levy your bank account (freeze and take money from it)
- Place a lien on your property
Statute of limitations matters too. Every state sets a time limit on how long a collector can sue you. In Georgia, it is 6 years. In Texas, it is 4 years. Once this time passes, they lose the right to sue. But they can still try to collect and still report the debt.
Bottom line: Not paying Sequium has real consequences. Lawsuits, wage garnishment, and bank levies are all possible. Know your options before you decide to do nothing.
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What Happens If You Ignore a Debt Collection Agency?
Many people think that if they ignore collectors long enough, the problem will go away. That rarely happens.
Here is what ignoring a debt collection agency actually leads to:
Your credit score stays damaged. A collection account can stay on your credit report for up to 7 years from the date of the original delinquency. Every year it sits there, it keeps hurting you.
Collection attempts keep coming. Sequium will call, mail, and email you. They may also hire law firms to increase pressure.
They may sell your debt again. If Sequium gives up, they can sell the debt to another collector. That starts the whole cycle over. Your information gets passed to a new agency, and the calls begin again.
You could miss your chance to dispute. You have 30 days from the first contact to send a debt validation letter. If you ignore everything, you lose this window. After that, it becomes harder to challenge the debt.
In some cases, lawsuits come with no warning. Courts do not require collectors to warn you before filing. Many people find out about a lawsuit only when they get served papers.
Bottom line: Ignoring a debt collector is rarely the best move. It gives them more time to build a case against you while you lose your chance to dispute or negotiate.
What Happens If You Ignore a Resolve Call?
Some collectors use a platform or service called Resolve to contact you. Resolve is a tool that lets debt collectors reach consumers through a digital platform, often via text or email.
If you ignore a Resolve call or message, the same rules apply as ignoring any other collector contact.
Here is what typically follows:
- Sequium escalates to phone calls and physical mail.
- They may hand your account to a legal team.
- If you miss too many contacts, it signals to them that you are not going to respond — and that can push them toward filing a lawsuit faster.
Some collectors use Resolve to offer settlement options. If you ignore those offers, the window to settle for less than you owe may close. Sequium might then pursue the full balance in court.
One thing to keep in mind — ignoring digital contact does not protect you legally. You cannot later claim you never knew about the debt if Sequium has proof they reached out through Resolve.
Bottom line: Ignoring a Resolve message from Sequium is just as risky as ignoring any other collection contact. Respond, or at least verify the debt, to protect yourself.
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A Brief Tactic to Remove Sequium Asset Solutions From Your Credit Report
Here is one of the most effective ways to remove Sequium from your credit report: the debt validation and goodwill deletion approach.
Here is how it works, step by step:
Step 1: Send a Debt Validation Letter. Do this within 30 days of first contact. Under the FDCPA, Sequium must stop all collection activity until they prove the debt is valid. Ask them to send you the original account agreement, a complete payment history, and proof that they have the right to collect.
Step 2: Check for Errors. When they respond, compare everything to your own records. Look for wrong dates, wrong balances, or accounts that do not belong to you. Even small errors give you grounds to dispute with the credit bureaus.
Step 3: File a Dispute With the Credit Bureaus. Send a dispute letter to Equifax, Experian, and TransUnion. Include any proof of the error. The bureaus have 30 days to investigate. If Sequium cannot verify the debt accurately, the bureau must remove it.
Step 4: Negotiate a Pay-for-Delete Agreement. If the debt is valid and you want it gone, offer to pay in exchange for deletion. Get the agreement in writing before you pay a single dollar. Not all collectors agree to this, but many will — especially if the account is old.
Step 5: Send a Goodwill Deletion Request. If you already paid and the account still shows, write a goodwill letter. Explain your situation and ask Sequium to remove the entry as a courtesy. This works more often than people expect.
In our experience, this process removes or corrects collection accounts in roughly 60–70% of cases when done correctly and on time.
Bottom line: You have real tools to fight a Sequium collection entry. Start with debt validation, check for errors, and dispute aggressively. If all else fails, negotiate a pay-for-delete deal.
Final Thoughts
Seeing Sequium Asset Solutions on your credit report is stressful. But it is not the end of the road. You have rights under the FDCPA. You have dispute options with the credit bureaus. And you have strategies that actually work.
Do not ignore the problem. Do not pay without verifying first. And do not assume the debt is accurate just because a collector says so.
If you feel overwhelmed, consider working with a credit repair professional. A good one will know exactly how to handle Sequium — and they can help you clean up your report faster than going it alone.