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How to Resolve Debt with Eastern Account System

George Simons | January 31, 2025

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 Eastern Account System suing you for a debt? Solo can help you send a powerful Answer and increase your chances of getting a settlement offer.

If Eastern Account System has contacted you regarding an outstanding debt or recently served you with a debt collection lawsuit, it’s important to stay calm and approach the situation with a clear plan. Receiving such communication can feel overwhelming, but it’s not the end of the road.

You can take steps to address the issue effectively while ensuring that your rights are protected. Start by carefully reviewing the debt details, including the amount owed, the original creditor, and the claim timeline. This information will be crucial in understanding your position and determining the best course of action.

Let’s explore the inner workings of Eastern Account System and how to settle your account and save money.

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What is Eastern Account System?

Eastern Account System, Inc., is a third-party debt collection agency based in Danbury, Connecticut. They have been in the debt collection business for over thirty years. The company generally provides their services to businesses in the following industries:

  • Cable companies
  • Financial institutions
  • Healthcare providers and hospitals
  • Property management companies
  • Credit card companies
  • Utility companies

In some instances, this company purchased a debt from a different creditor (i.e., a credit card or loan company). This typically means Eastern Account System paid pennies on the dollar, sometimes 1/10th of the original cost, to purchase the debt, hoping to recover some or all of the amount owed. This is why you should consider all your options—and rights—before making any payments to Eastern Account System.

Read Eastern Account System reviews online

Eastern Account System reviews can be found on platforms like the Better Business Bureau (BBB), Trustpilot, CFPB, and Google Reviews. While some reviews may highlight challenges, such as misunderstandings or disputes over balances, others may emphasize positive interactions where the company worked collaboratively with debtors to resolve issues. Here are some reviews to go through:

As you explore these reviews, look for patterns rather than focusing on isolated negative or positive comments. This balanced approach can help you better understand what to expect and how to prepare for interactions with the company. Here's an example of a real Eastern Account System review:

“I got a call from this debt collector. I usually brush these off and hang up because of the possibility of fraud or scams, but this time I decided to log into Xfinity to double-check. It was, in fact, not paid and had been over 5 months. I had completely forgotten about it. If you get a call, just log into your account, and you should see the direct amount quoted. They also didn't ask suspicious verification questions like SSN or personal contacts.”

As you can see from this example, resolving debt with Eastern Account System can be simple if you don’t ignore the calls and, instead, engage openly.

Eastern Account System must train its collectors to follow the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair or unethical practices during the debt collection process. It outlines specific rules that debt collectors must follow to ensure interactions remain professional and respectful. If you are engaging with Eastern Account System or any other debt collector, it’s important to understand the protections the FDCPA provides. Knowing your rights can help you handle the process well.

Under the FDCPA, debt collectors are prohibited from certain behaviors to ensure fair treatment of consumers. These guidelines include the following:

  • Making calls to you while at work if your employer does not allow calls during working hours.
  • Making calls to you at odd hours.
  • Talking to another person other than your lawyer or spouse about your debt.
  • Threatening to arrest you if you fail to pay the debt.
  • Threatening to seize your property if you fail to pay unless they have a warrant.
  • Using obscene language and threats against you.
  • Stating a different amount of the debt other than what you owe.
  • Making any false allegations about the debt.

If you believe that any of these guidelines have been violated, you have the right to take action. For example, you may use evidence of violations in court, provided that the claim is made within one year of the occurrence.

A successful ruling may have you compensated for damages. If there is no proof of damages, you may be awarded up to $1,000 and any court and attorney fees reimbursed.

Use SoloSuit to respond to debt collection lawsuits in 15 minutes.

Get every communication with Eastern Account System in writing

Debt collection agencies may sometimes provide unclear or incomplete information during their interactions with debtors, especially when communicating over the phone. This can create challenges for debtors and courts when attempting to verify claims or address disputes. To ensure transparency and clarity, it is important to request that all communication and claims from Eastern Account System be done in writing.

The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to send official communications through the U.S. mail system when requested. This helps establish a clear record of the claims and ensures that all parties involved have access to the same information. If you request written communication from Eastern Account System, they are obligated to comply. Keeping these documents can be invaluable if you need to verify claims or address concerns in the future.

Make the right defense the right way with SoloSuit.

Ask Eastern Account System to provide proof of debt

Eastern Account System buys charged-off debts that may have lost track of the details of the debt, especially if the debt has moved from one collector to another. You may ask Eastern Account System to disclose more information, such as the original creditor, the amount owed, the procedure for disputing the debt, and proof that the debt has not been cleared.

If they do not provide those details within 30 days, you can dispute the debt claims. Eastern Account System cannot continue their collection attempts until they provide the requested information.

If they do not respond to your request and go ahead with filing a lawsuit, you can file a small claim action in a state court. You will need to provide the following evidence for your case:

  • A mailed letter to Eastern Account System requesting the information.
  • Proof that the letter was delivered to Eastern Account System and received.
  • Failure by Eastern Account System to provide the information within the stipulated 30 days.

Respond to Eastern Account System’s debt lawsuit

If Eastern Account System is suing you for a debt, you should have received some legal documents in the mail called the court Summons and Complaint. The Summons notifies you of the lawsuit, and the Complaint lists the specific claims that Eastern Account System is making against you. The first step to winning your case is to respond to the Summons and Complaint by filing a written Answer. Here's how.

Follow these three steps to respond to a debt lawsuit against Eastern Account System:

  1. Answer each claim listed in the Complaint document: The first and most important section of your Answer should focus on responding to the claims listed in the Complaint document. You can admit, deny, or deny due to a lack of knowledge. Most attorneys recommend denying as many claims as possible.
  2. Assert your affirmative defenses: An affirmative defense is any legal reason that Eastern Account System's case is invalid. A common affirmative defense to mention in a debt lawsuit case is the statute of limitations on debt. If the statute of limitations on a debt has passed, the Eastern Account System cannot sue you for the debt. There are several other affirmative defenses you can bring up to strengthen your side of the case.
  3. File the Answer with the court and send a copy to Eastern Account System. After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it via USPS-certified mail to the attorneys representing Eastern Account System.

Use Solo to represent yourself and draft an Answer in minutes.

To learn more about these three steps, check out this video:

What to do if you are sued by Eastern Account System

We've covered a lot here, but here's a quick overview of what to do if you get sued by Eastern Account System and how to respond and get a favorable outcome:

  • Take careful notes when you receive phone calls before 8:00 am or after 9:00 pm. Debt collectors are prohibited from calling you before or after regular business hours. They also cannot call you at work or use foul language.
  • Be sure to file an Answer to the debt collection lawsuit within the proper time frame.
  • In the Answer, you should raise at least one affirmative defense and put the burden of proof on Eastern Account System to prove that you owe the amount they allege.
  • Keep track of your lawsuit as it moves through the court system. Until you’ve reached a resolution, it is your responsibility to respond to all requests for information and to show up for every court hearing.

These are effective methods for how to respond to Eastern Account System’s lawsuit.

Settle debt with Eastern Account System

You can take the steps to settle your debt at any time, including after Eastern Account System has filed a lawsuit. Here’s how you can resolve your debt through debt settlement:

  1. Start by looking at your budget to figure out how much you can afford to pay toward the debt.
  2. Contact Eastern Account System, offering a reasonable amount to settle the debt. Start with a figure slightly lower than what you can afford to give you room to negotiate if they don’t accept your first offer. If you initiate or follow up on negotiations by phone, also send written correspondence outlining what you’ve discussed.
  3. If both you and Eastern Account System agree, make sure the settlement terms are put in writing. Create or request a debt settlement agreement that both you and EAS can sign to confirm the settlement details.
  4. Once the terms are set, pay the agreed amount on time. Sticking to the payment plan ensures the debt is fully settled, allowing you to move forward with peace of mind.

SoloSettle is a helpful tool that makes settling your debt with Eastern Account System easier and more secure. SoloSettle also helps manage the paperwork, making the process even simpler for you. Start working on your debt settlement letter with us today.

Watch the following video where a former debt collector shares negotiation strategies that will help you resolve your debt with Eastern Account System and settle for less:

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