How to Beat Alliance Collections

Edited by Hannah Locklear

Debt collectors can be excessively annoying, including Alliance Collections. They know the best stress-causing buttons to push to convince you to pay by borrowing again (often at high-interest rates) or using your life savings. It's even worse if you do not have these options available, and you may reluctantly file for bankruptcy.

Not today, because SoloSuit endeavors to help you deal with Alliance Collections without giving up everything. This article will discuss actionable methods you can use to get Alliance Collections off your back. But before we proceed. 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.

What is Alliance Collections, and how does it work?

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.

As with most debt collection agencies, Alliance Collections either 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’ contact information:

Alliance Collection Agencies, Inc.
P.O. Box 1267
3916 South Business Park Avenue
Marshfield, WI 54449
Collections Department: (800) 215-1547
General Information: (715) 486-2100

Complaints against Alliance Collections

Alliance Collections has received 25 complaints on their Better Business Bureau profile and over 100 complaints on the Consumer Financial Protection Bureau (CFPB) database. The complaints range from wrong debt entered in the credit report, harassment, refusal to validate debt, and talking to unprofessional agents. The following is an example from the CFPB database:

“Alliance Collections has attempted to collect a medical debt that is not mine. I would never consent to any company's access to my personal medical information without authorization. This company has sent me copies of medical statements and procedures, trying to validate a debt without a signed release form. The HIPAA Privacy Rule clearly states this is a violation of my rights.”

Once you submit a complaint on these and other official platforms, Alliance Collections are required by law to respond and fix the issue. If not, they risk being sued, and the court may order them to cancel your debt, pay non-economic damages, or have their license revoked.

Knowing your rights can help you protect yourself from unfair debt collection methods used by Alliance Collection Agencies.

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.

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.

However, you must pay the whole amount at once or in several installments. You can start the debt settlement negotiation process by sending an offer for free withSoloSettle. There is a great chance Alliance Collections will accept your offer, saving you money and stress.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

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Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
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• Cerastes LLC
• Colinfobur
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• Educap
• Estate Information Services
• FIA Card Services
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• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
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• Jefferson Capital Systems LLC
• LVNV Funding
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• Medicredit
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• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
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• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

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