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Home Debt Collection Agencies Sequium Asset Solutions

How to Remove Sequium Asset Solutions from Your Credit Report

Credit report showing Sequium Asset Solutions collection account

At a glance

  • Sequium Asset Solutions, LLC is a debt collection agency based in Marietta, Georgia.
  • We'll discuss what they do, what your rights are, and how to get them off your credit report.
  • Sequium Asset Solutions is likely hurting your credit score.

Get expert help. Call now to remove Sequium Asset Solutions from your credit report.

Call (855) 764-0034 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Reviewed by Victoria Scanlon

May 23, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. What is Sequium Asset Solutions?
  2. Who does Sequium Asset Solutions collect for?
  3. Is Sequium Asset Solutions a scam?
  4. How to stop Sequium Asset Solutions from calling you
  5. How to remove Sequium Asset Solutions from your credit report
  6. How to deal with Sequium Asset Solutions harassment
  7. Should you pay Sequium Asset Solutions?

What is Sequium Asset Solutions?

Established in 2016, Sequium Asset Solutions, LLC is a debt collections agency headquartered in Marietta, Georgia. 1 They collect debt for companies in a variety of industries.

Sequium Asset’s other names

Sequium Asset Solutions used to operate under the name Focus Receivables Management. 2 You may also see the company go by any of the following names:

  • Focus Management Collection
  • Focus MGMT
  • Focus Receivables Mana
  • Focus Receivables Management DirecTV

Who does Sequium Asset Solutions collect for?

Sequium Asset Solutions collects debt for businesses in various industries. If you hear from Sequium or see their name on your credit report, it could mean that they’re pursuing overdue payments for one of the following accounts: 1 3 4

  • Credit card
  • Cable television
  • Cell phone service

Is Sequium Asset Solutions a scam?

No, Sequium Asset Solutions isn’t a scam. They are a legitimate debt collection agency. However, that doesn’t guarantee they’ll act ethically. Debt collectors sometimes pursue very aggressive strategies when collecting debts, so make sure to be careful if they call you, and don’t agree to pay anything in your initial call with them.

Fraudsters may also impersonate Sequium Asset Solutions when they contact you. Verifying your debt before you make any payments will ensure you’re sending your money to the right place. You can do this by contacting Sequium Asset Solutions via their online portal or using the contact information below.

Sequium Asset Solutions, LLC Contact Information

If you want to remove Sequium Asset Solutions from your credit report, write to their address:

sequium asset solutions logo

Address: 1130 Northchase Parkway, Suite 150
Marietta, GA 30067
Phone Number: (877) 362-8766
Website: www.sequium.com

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

VIDEO: Sequium Asset Solutions in 2 Minutes—Fix Your Credit Report & Know Your Rights

How to stop Sequium Asset Solutions from calling you

Sequium Asset Solutions will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.

Unfortunately, Sequium Asset Solutions representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).

Don’t ignore debt collectors like Sequium Asset Solutions—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.

To begin, you can get Sequium Asset Solutions to stop calling you—at least temporarily—by sending them something called a debt verification letter.

Send a debt verification letter

A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that Sequium Asset Solutions should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.

Debt Verification Letter Template

Debt Verification Letter

Use this debt verification letter template if Sequium Asset Solutions has contacted you about a debt and you want to dispute it. If you send this within 30 days, they're legally obligated to respond with evidence of the debt and can't contact you until they do.

Build My Letter Now PDF Word

Benefits of sending a debt verification letter

Sending a debt verification letter has three benefits:

  1. You’ll prevent Sequium Asset Solutions from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like Sequium Asset Solutions are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 5
  2. You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing Sequium Asset Solutions to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay.  It’s an easy way of figuring out if the debt collector is a scam agency.
  3. You may successfully disown the debt: If Sequium Asset Solutions can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.

Beware the statute of limitations

The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for Sequium Asset Solutions to sue you over, at which point it’s known as time-barred debt.

If this is the case, you can send Sequium Asset Solutions a letter telling them to stop contacting you. Legally, they’ll have to abide by that.

The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.

How to remove Sequium Asset Solutions from your credit report

If your credit score is suffering as a result of Sequium Asset Solutions debt, there are three ways to recover:

1. Dispute the debt with all three credit bureaus

If you think that the debt associated with Sequium Asset Solutions on your credit report is illegitimate (e.g., if you paid it on time or it belongs to somebody else), dispute the item on your credit report. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.

To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing Sequium Asset Solutions on your credit report.

Credit dispute letter to credit bureau

Credit Dispute Letter

If Sequium Asset Solutions is on your credit report by mistake, the credit bureaus have to remove it from your report. Use this credit dispute letter template to file a dispute about Sequium Asset Solutions directly with any of the credit bureaus.

Build My Letter Now PDF Word

To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.

2. Negotiate with Sequium Asset Solutions

Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing Sequium Asset Solutions from your credit report will be very difficult (although not impossible).

Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.

However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove Sequium Asset Solutions from your credit report:

  • Pay for delete: You might be able to convince Sequium Asset Solutions to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
  • Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send Sequium Asset Solutions a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness. Create your letter using our free goodwill letter template.

If you can’t afford to pay off your debt, try negotiating a debt settlement

If your debt is fairly old, then there’s a chance that Sequium Asset Solutions will accept less than the full amount you owe (a practice known as debt settlement) to minimize their losses. You can negotiate a debt settlement with Sequium Asset Solutions over the phone or by sending a debt settlement letter.

3. Wait 7 years for Sequium Asset Solutions to fall off of your credit report

Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to Sequium Asset Solutions, it will remain on your credit report.

Learn more about Sequium Asset Solutions’s impact on your credit score:

  • How many points will my credit score increase after I pay off collections?
  • How to rebuild your credit after having a debt sent to collections

How to deal with Sequium Asset Solutions harassment

Unless you tell them not to, Sequium Asset Solutions will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.

Restrictions on Sequium Asset Solutions

When attempting to collect payments from you, Sequium Asset Solutions must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.

Sequium Asset Solutions representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against Sequium Asset Solutions if they do something illegal.

Keep records of letters and phone calls

If you think that Sequium Asset Solutions may be violating your rights, then it’s a good idea to record your phone calls, save any letters they send you, and keep records of when they’ve contacted you. This will make things much easier if you need to take legal action against them in the future.

Can I sue Sequium Asset Solutions for harassment?

Yes, you can sue Sequium Asset Solutions for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. Sequium Asset Solutions will also have to pay your attorney fees and court costs.

How to file a complaint against Sequium Asset Solutions

If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue Sequium Asset Solutions.

Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to Sequium Asset Solutions, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take Sequium Asset Solutions to court.

Should you pay Sequium Asset Solutions?

You should only pay a collection agency like Sequium Asset Solutions if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.

Takeaway: Sequium Asset Solutions is a legitimate debt collection agency

  • Sequium Asset Solutions is a debt collection agency, which means they collect severely delinquent debts that lenders have charged off and transferred or sold.
  • Sequium Asset Solutions probably isn’t a scam, but you should make sure to avoid scammers by verifying your debts and only making payments once you're sure they're legitimate.
  • You have rights under the Fair Debt Collection Practices Act that prohibit debt collectors from harassing you. You can sue for harassment, and you won’t need to pay the legal fees if you win.
  • There are several ways of removing Sequium Asset Solutions debt from your credit report, but if these approaches fail, then you should consider seeking advice from a credit repair professional.

Other Collection Agencies

  • RMP Services
  • Rocket Receivables
  • Rozlin Financial Group
  • SIMM Associates
  • Security Credit Services
  • Security Credit Systems
  • Source Receivables Management
  • Southwest Credit Systems
  • State Collection Service
  • Summit AR

Article Sources

  1. Better Business Bureau. "Sequium Asset Solutions, LLC" Retrieved May 23, 2022.
  2. Georgia Corporations Division. "Focus Receivables Management, LLC" Retrieved May 23, 2022.
  3. United States District Court for the Eastern District of Wisconsin. "Vandehey v. Sequium Asset Solutions, LLC" Retrieved May 23, 2022.
  4. United States District Court for the Eastern District of New York. "Weiss v. Sequium Asset Solutions, LLC" Retrieved May 23, 2022.
  5. Federal Trade Commission . "Fair Debt Collection Practices Act" Retrieved December 1, 2021.

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

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