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How to Beat Alliance One

George Simons | December 08, 2023

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 suing you for an old debt? Don't let them win without a fight! You can beat Alliance One in court!

Getting harassed by a debt collector with Alliance One is oftentimes stressful and anxiety-inducing. Why? Because it is quite common for Alliance One and other large debt collection agencies will utilize inappropriate and unethical tactics to try to get you to pay what is allegedly owed.

For example, debt collectors with Alliance One will probably call you constantly on the phone from several numbers. They may also try to intimidate you on social media, send nasty letters, and other questionable methods.

If you are being subjected to harassing behavior by Alliance One, it is important to understand that you do not have to put up with such behavior and threats. You have rights and protections pursuant to the Fair Debt Collection Practices Act, along with other laws.

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The Poor Reputation of Alliance One

Alliance One collections agency is known to be aggressive and unethical in attempting to collect debts. The agency is based in Pennsylvania and there have been many complaints from consumers saying debt collectors have violated various provisions within the Fair Debt Collection Practices Act (FDCPA).

For instance, people have filed complaints with the Better Business Bureau that Alliance One debt collectors utilize unethical communication methods that clearly violate the FDCPA. They might even try to collect on a debt that you do not actually owe. If you get a call from Alliance One, you should know your rights before you say anything and agree to pay any amount on the alleged debt.

If you regularly receive rude phone calls and letters from Alliance One regarding an unpaid debt or have already been served with a debt collection lawsuit by Alliance One, do not panic. There are specific ways to respond to the debt collector, and multiple defenses you could potentially raise to combat the debt collection lawsuit.

Know Your Rights When Alliance One Contacts You for Debt

Alliance One is a well-known debt collection agency that is notorious for trying to take advantage of consumers who may not be fully aware of their legal rights under the Fair Debt Collection Practices Act. The FDCPA 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.

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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 From 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.

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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.
  • Consider filing a countersuit if the debt collection agency violated the consumer protections afforded under the FDCPA.

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 prevail against a debt collector in court.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

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"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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