How to Resolve Debt With Alliance Collections

George Simons | January 14, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Settle debt with Alliance Collections by negotiating a lower payment, using tools like SoloSettle, asserting your rights, and responding to lawsuits properly.

Debt collectors, like Alliance Collections, are laser focused on obtaining a recovery from delinquent accounts. If you have been contacted by Alliance Collections, do not fret. You have options and a path forward for resolving your debt issue.

Solo endeavors to help you resolve debt with Alliance Collections without giving up everything. This article will discuss actionable methods you can use to get Alliance Collections off your back, your rights when debt collectors call, and how to settle debt for less.

Settle debt with Alliance Collections

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Alliance Collections?

Alliance Collections Agencies, Inc. is a legitimate debt collection agency specializing in collecting outstanding debt in the healthcare sector. The company has been operating under different names and ownership for over sixty-five years. In 1999, three companies (Bonded Collections, Rapids Adjustment Company, and Wausau Creditors Service, Inc) merged to form Alliance Collections.

Who does Alliance Collections collect for?

Alliance Collections routinely collects pending debt for their healthcare clients or buys the debt at a tiny fraction of the original amount and then follows up on it as their own.

Below is Alliance Collections’ phone number and other contact information:

  • Phone number: (800) 215-1547
  • Address: 3916 South Business Park Avenue, Marshfield, WI 54449
  • Mailing Address: P.O. Box 1267, Marshfield, WI 54449
  • Website: www.alliance-collections.com/

Read Alliance Collections reviews online

If you are looking for information about what consumers have said regarding their experience with Alliance Collections on an unpaid debt, then take a moment to read these reviews:

While the Alliance Collections reviews are pretty mixed online, there are some reviews that indicate consumers can have a pleasant experience communicating with Alliance Collections to resolve debt. Let’s consider a real example from a borrower named Daniel:

“I have been working with Alliance Collections since early January. They were trying to collect a debt for my son;s medical expenses. This was an issue from 2 years ago that my wife and I believed was taken care of. It was not. In a nutshell I plead my case to one of their case managers and she laid out a path for me to clear this debt. It included a lot of phone calls and an accurate review of my debts and insurance EOBs. All in all I was on the hook for $1350 in total and now that the process is nearing an end I have only had to pay $220 that was a required copay for my son's adaptive brace. I asked them to help me out of this situation and they gave me an avenue to do so. This organization has been professional and respectful.”

This review shows that Alliance Collections debt collectors are open to working with you to resolve your concerns and get your debt paid in a manner that works for you and your current financial situation. Communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Settle with SoloSettle

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Exercise your rights when Alliance Collections contacts you

Most consumers need to learn their rights when interacting with debt collectors. That's why collection agencies sometimes overstep their boundaries. The Fair Debt Collection Practices Act (FDCPA) empowers you with the right to expect fair treatment from debt collectors. These rules state that Alliance Collections should not:

  • Scare you with arrest or jail time
  • Threaten to take crucial documents or cause harm
  • Phone you many times about the same debt
  • Harass your loved ones because if your debt
  • Speak arrogantly or rudely to you
  • Fail to respond to a Debt Validation Letter

If Alliance Collections commit any of these acts, submit a complaint on their BBB profile and CFPB website. You can also report them to the Fair Trade Commission website and your state’s attorney general's office.

Steps to respond to Alliance Collections lawsuit

Consumers may feel helpless when they receive a lawsuit from a debt collector. For instance, it may mean Alliance Collections could win the case and garnish your wages or gain access to your bank account. That is not always the case, and you can beat Alliance Collections even in court.

When sued, you should receive the court Summons and Complaint documents (usually in the mail, but sometimes delivered in person too). Respond to these documents within your state’s deadline to avoid losing automatically by a default judgment. To respond, you must file a written Answer into the case and serve the opposing attorney.

Use these three steps to respond to your lawsuit against Alliance Collections:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer in court, and send a copy to Alliance Collections.

Below, we explain each of these steps in more detail. You can also watch this video to learn more:

1. Answer each claim listed in the Complaint

The Complaint document lists all the claims that Alliance Collections is making about you and the alleged debt. In your Answer document, you should respond to each claim, in corresponding order, with one of the following answers:

  • Admit: You agree with Alliance Collection’s claims.
  • Deny: It forces Alliance Collections to prove the allegation they’ve made is true.
  • Deny due to lack of knowledge: You don’t know if the claim is true or false.

Debt counselors and attorneys advise consumers to avoid admitting to all the allegations. You need to let the collection agency prove its case. If they do not have enough evidence, Alliance Collections may withdraw the suit or ask you to settle at a reduced amount. Denying a claim forces them to prove it.

Respond to your lawsuit against Alliance Collection online in minutes.

2. Assert your affirmative defenses

This section allows you to explain why you are not liable for the debt. Some affirmative defenses you can use are:

  • Alliance Collections did not prove the original creditor passed the debt to them.
  • The debt was canceled or paid off.
  • The statute of limitation applies to the debt.
  • The debt information is inaccurate.
  • You are a victim of identity theft.

These defenses may seem complex to explain in your Answer. Fortunately, SoloSuit has an Answer form that you can customize to your situation. Just respond to a few questions about your case, and SoloSuit’s software will convert your responses into the proper legal wording and format.

Make the right affirmative defense the right way.

3. File the Answer in court, and send a copy to Alliance Collections

Filing your Answer on time is extremely important because the court does not accept documents after the deadline, meaning the case may favor Alliance Collections. Once you've completed the document, make three copies. Mail or physically take one to the courthouse where the creditor filed the case. Next, send the other copy to Alliance Collections lawyers and keep the last one in your records.

Now, let’s look at an example of how to beat Alliance Collections in court.

Example: Sebastian is being sued by Alliance Collections for a medical debt that he thought he already paid off. He goes online and finds SoloSuit, which he uses to draft and file his Answer to the lawsuit. In his Answer document, Sebastian denies almost all of Alliance’s claims and lists the paid off debt as one of his affirmative defenses. After a few weeks, Sebastian is happy to learn that the case has been thrown out.


Settle your debt with Alliance Collections

You can negotiate for debt settlement at any stage of the collection process—even after being sued and filing an Answer to the lawsuit. A debt settlement offer asks Alliance Collections to consider taking a lower amount of the original debt. Many debt collectors are willing to settle for less.

Here are some steps you can take to negotiate a debt settlement with Alliance Collections:

  1. Calculate what you can actually pay towards the balance of the debt. For example, could you reasonably pay half of the amount owed and still have money left over to cover your living expenses? Doing this calculus is important because it can give you a guidepost for settlement negotiations.
  2. Make a reasonable settlement via a debt settlement letter requesting that the firm consider your offer. The settlement offer should be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your first offer. Make sure to engage in written settlement communications with Alliance Collections and continue to use written communication throughout the process.
  3. If you are able to reach an agreement on a settlement amount after negotiations, draft a Debt Settlement Agreement for both parties to sign.
  4. Be sure to pay the agreed amount in time.

Learn more about how to settle your debt with Alliance Collections by watching this informative video:

You can start the debt settlement negotiation process by sending an offer for free with SoloSettle. There is a great chance Alliance Collections will accept your offer, saving you money and stress.

Ask Alliance Collection Agencies, Inc. to validate your debt

Have you requested Alliance Collections to validate the debt?

A Debt Validation Letter is sent after a debt collector contacts you about a debt. It asks the collection agency to verify the debt is yours. Once you send the letter, Alliance Collections should stop calling until they respond to your request. Learn more about drafting your Debt Validation Letter in the following video.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

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Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

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Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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