How to Settle Debt With Alliance One

George Simons | January 31, 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: Is Alliance One contacting you about a debt? Stay calm—know your rights under FDCPA and negotiate a debt settlement. If you’ve been sued, file a written response before the deadline to avoid a judgment against you.

Getting contacted by a debt collector with Alliance One is oftentimes stressful and anxiety-inducing. Do not give up hope. You have options to achieve a resolution to your debt issue, like negotiating a favorable debt settlement.

You also have rights and protections pursuant to the Fair Debt Collection Practices Act, along with other laws.

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

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What is Alliance One?

Alliance One is a collections agency based in Pennsylvania that has been in business for more than 25 years They have an A+ rating from the Better Business Bureau. While headquartered in Pennsylvania, Alliance One operates in multiple states,including California, Washington, Ohio, and Illinois.

If you want to make an offer to settle your debt, call the Alliance One phone number or send a letter to the company’s mailing address, both of which are listed below:

Who does Alliance One collect for?

Alliance One pursues delinquent accounts for various companies operating in different sectors of the economy, including credit card companies, healthcare companies, auto loan companies, personal loan companies, and so forth

Read Alliance One reviews online

Looking for intel on what other people have said about their debt collection experience with Alliance One? If so, take a moment to check out these legit online reviews:

Objectively speaking, the online reviews of Alliance One are a mixed bag. Nevertheless, the mixed reviews should not serve as a hindrance to you taking steps to engage with Alliance One to work toward a resolution to your debt collection matter. Generally speaking, debt collectors - including debt collectors affiliated with Alliance One - are willing to work with people to resolve a debt issue. Proactive communication is essential.

How to negotiate a debt settlement with Alliance One

If you acknowledge the fact that you owe the debt and prefer to avoid the contentious and stressful litigation process associated with a debt collection lawsuit, then consider negotiating a debt settlement. Alliance One may be open to settling for a lesser amount than what is owed. Why? Because agreeing to a reduced payment is typically better than recovering nothing at all. A negotiated settlement also enables the debt collector to collect on, and close out, the delinquent account.

In the event you were served with a Summons and Complaint by Alliance One regarding a debt collection lawsuit, now is the time to act and not bury your head in the sand hoping the debt collection matter will magically disappear. If you take just a few proactive steps, you could potentially get Alliance One off your back and get them to accept a significantly lower amount through negotiated settlement.

The debt settlement process can be as simple as following these steps:

  1. Respond to Alliance One’s debt collection lawsuit via a timely-filed Answer. This is critically important so you avoid getting hit with a default judgment by the court.
  2. Calculate how much you can afford to put toward the amount owed without negatively impacting your ability to pay other important living expenses such as rent, utilities, transportation, etc.
  3. Commence settlement discussions with Alliance One. Generally speaking, your initial settlement offer should be lower than the amount you calculated in Step 2. Why? Because making a lower opening offer provides some room to engage in productive settlement talks and you can negotiate upward.
  4. If you are able to secure an agreement, make sure to get the debt settlement terms and provisions in writing.
  5. Both you and the debt collector need to sign the debt settlement agreement.
  6. Pay the negotiated amount in a timely manner.

SoloSettle can help you negotiate with debt collectors like Alliance One and settle for less, avoiding legal issues and the high cost of battling out the debt in court.

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process. Remember to keep copies of all agreements you reach with Alliance One and honor your part of the agreement.

Know Your Rights When Alliance One Contacts You for Debt

The Fair Debt Collection Practices Act is a federal law passed by Congress in 1977 specifically for the purpose of curbing abusive tactics used by debt collectors. The FDCPA features a number of rules and regulations that stipulate what debt collectors can and cannot do when attempting to recover on a debt. Some of the restrictions codified in the FDCPA concerning debt collector tactics include:

  • An Alliance One debt collector is not allowed to call you when you are at work;
  • An Alliance One debt collector may not use rude or offensive words when they talk to you by phone or in letters;
  • An Alliance One debt collector may not threaten legal action;
  • An Alliance One debt collector is not allowed to call you before 8 am or after 9 pm.

Use Solo to defend yourself and win in court.

How to Defend Yourself If You're Sued By Alliance One

If you get served with a debt collection lawsuit from Alliance One Collections Agency, you need to craft an appropriate response. You should not throw the letters in the trash and hope it disappears. The lawsuit is going to be there, even if you toss it in the garbage. Ignoring the legal action means you are giving up and the debt collector wins.

Here are some ways you can deal with the debt collection lawsuit:

  • Never admit you are responsible for the debt? Remember that Alliance One is responsible for proving that you owe the debt.
  • You should file an Answer with your Clerk of Court on a timely basis. This usually should be done within 20 or 30 days after you get the Complaint.
  • Mail the answer that you get stamped by the Clerk of Court to Alliance One.

How to defend yourself in a debt collection lawsuit

When you answer the debt collection lawsuit, you have a chance to point out deficiencies in Alliance One's case. Also, keep in mind that the debt collector must prove that you owe the debt. This means the company must affirmatively prove the following in order to get a judgment against you:

  • The company has the right to sue you;
  • You are the person who incurred the debt; and
  • You owe the sum that is listed in the complaint.

If Alliance One cannot produce sufficient evidence to meet the above-described prerequisites, there is a strong chance you can win in court. You may even be able to get the debt collection lawsuit tossed out of court.

Depending on your case particulars, you could say that the company didn't file before the statute of limitations expired. The statute of limitations is how much time a person has to file suit against someone else.

If your case suggests that Alliance One sued you when the statute of limitations lapsed, you might file a motion for dismissal with prejudice.

You also might consider filing a countersuit. If you can show that the firm was in violation of the FDCPA, you may be entitled to compensatory damages. You could even get reimbursement of your legal fees.

Make the right defense the right way with SoloSuit.

What to Do If Alliance One Takes You to Court

Here are the basics of what to do if you are served with a debt collection lawsuit filed by Alliance One:

  • Note if the collection agency calls you before 8 am or after 9 pm. Also, write down if they call you at work or use rude or offensive language.
  • Be sure to file the Answer within the proper time frame that the court states.
  • In the Answer, consider raising one, or more, of the defenses mentioned above, such as the statute of limitations.
  • Remember, the debt collection agency must prove you owe the debt and that you are the one who owes the money.
  • Negotiate with Alliance One to settle your debt outside of court.

Debt collection agencies like Alliance One often rely on making threats or false promises in the hopes of wearing you down and getting you to agree to repayment. Do not raise the white flag of defeat. With thought and foresight, you can often defend yourself against a debt collector in court and settle the debt for less.

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