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How to Resolve Debt With EOS CCA

Dena Standley | January 08, 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.

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.

Summary: Debt collectors like EOS CCA can be overwhelming, but you have options: validate the debt, negotiate to settle the debt for less, and know your rights to protect your credit.

A debt collector's call can instantly disrupt your thought process and ruin your day. Texts and letters are not fun either. Whether the debt is yours or misplaced, you can act to stop the calls and outsmart debt collectors.

Many debt collectors are overly aggressive, making consumers like you feel like they have no way out. However, most are willing to work with you to find a resolution.

It's important to know your rights and all the options at your disposal before responding to EOS CCA. How you handle a collector's calls and letters can make a substantial difference in the health of your credit.

Settle debt with EOS CCA

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

Settle with SoloSettle

What is EOS CCA?

EOS Collection Company of America (EOS CCA) is a legitimate debt collection company that has been operating since 1991. It is headquartered in Norwell, Massachusetts, United States.

Who does EOS CCA collect for?

EOS CCA is a third-party debt collector for a variety of creditors.

Read EOS CCA reviews online

If you are curious to learn what consumers have said about their experience with EOS CCA on a debt collection matter, then take a moment to read these reviews:

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

“I received a call from Mary at EOS. As soon as she explained she needed to verify who she was talking to, I got combative. She explained who she was and provided a website to clarify why she was calling and offered the street address she had on file. I verified that information only and said now what is this about? She was very nice.. very cooperative... and provided information for the agency attempting to collect a late filing fee related to taxes. She provided their direct contact phone, the account number and amount they were trying to recover. I called the State of Texas, spent 2 minutes on the phone and resolved the issue. I'd call that reasonable. Normally, I consider collection agencies to be parasites BUT give this one 5 Stars.”

This review shows that EOS CCA 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.

Negotiating a debt settlement with EOS CCA

If you prefer to avoid going through the stressful and time-intensive litigation process, then consider initiating debt settlement negotiations with EOS CCA. Below are three steps you should consider taking to settle debt:

Step 1: Decide how much you can actually pay

Before starting debt settlement negotiations, make sure to calculate how much you can actually afford to pay in a lump sum. Your calculation should take into consideration your other living expenses. If you don’t have sufficient funds to make a lump sum payment, try to calculate what you could pay in installments.

Step 2: Reach out to EOS CCA to engage in debt settlement negotiations

Once you’ve calculated how much you can reasonably repay, the next step is to try and negotiate a settlement. Start by offering a lower percentage of the total amount owed, typically 30% to 50% of the original amount, and be prepared to negotiate upward. If possible, offer a lump sum payment as creditors are more likely to accept a lower amount if they receive an immediate payment.

Step 3: Make sure to get the debt settlement agreement in writing

Before making a payment toward the debt, ensure you receive a written agreement outlining the terms of the settlement. This is known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full and that they will not pursue any further legal action or collections.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the credit card debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

To learn more about these steps, watch our video guide below:

Settle with SoloSettle

Make an Offer

How to beat EOS CCA

Is EOS CCA calling you? You can protect your rights with these simple steps:

  • Don't pay a debt that is not yours.
  • Use the state and federal law to your advantage.
  • Protect your information.
  • Win a lawsuit against EOS CCA.
  • Remove EOS CCA from your credit report.

Now, let's break down each of these steps in detail.

Don't pay a debt that is not yours

Debt collectors make mistakes, especially those that purchase debts from a third party. During the transition from one creditor to another, information is lost, or EOS CCA finds inaccurate information in its attempt to collect the debt.

You may be tempted to pay a debt that's not yours just to get EOS CCA off your back, especially if it's a small amount. That's never a good idea. Accounts in collections stay on your report for years and negatively affect your credit score even after payment. Instead of paying a debt before you're sure it's accurate, ask for validation.

EOS CCA should verify each debt within just five days of reaching out to you. Send EOS CCA a Debt Validation Letter. This letter not only requests that the EOS CCA investigates and confirms the debt, but it also reports the debt as disputed. EOS CCA has thirty days from the day you receive the letter to prove that the debt belongs to you.

You can contact the company through their website. Remember that they can't get back to you via email about the debt if they stick to debt collection regulations. Someone will have to call you back. It would be best to reach out to them in writing so that you can keep a record of all communications. If you prefer to call first, EOS CCA's number is (877) 395-5997.

Use the state and federal law to your advantage

The debt collection industry is highly regulated. To prevent debt collectors from infringing on your rights, you need to understand those rights.

According to the new FDCPA regulations, EOS must adhere to a strict code of conduct. Anyone contacting you about debt may not:

  • Call you repeatedly in a day.
  • Use demeaning or profane language when talking to you.
  • Lie to you.
  • Mislead you.
  • Threaten you with legal action they won't take.
  • Embarrass you by sharing details of your debt against the FCRA regulations.

Your state's statutes of limitations may also come to your defense. Every state limits the period within which a debt collector must collect the money. After that time lapses, the account is considered expired. You don't have to pay debts that are past your state's statutes of limitations.

Protect your information

Never give anyone contacting you about debt your personal information on the phone. Debt collection employees should identify you when they call. Don't feel obligated to give details about your credit accounts.

Fraudsters also pretend to be debt collectors. If you give them your information, they may steal your identity.

To protect yourself, always communicate with debtors in writing. Keep the originals of any attached documents for yourself. The mailing address for EOS CCA is:

EOS CCA,
PO Box 329,
Norwell, MA 02061

Win a lawsuit by EOS CCA

EOS CCA intends to collect money. They would prefer that you pay debt instead of taking you to court. They also cannot sue you for an unvalidated debt.

However, if you don't pay a validated debt, the company may sue you. When you receive a court Summons, you may feel defeated. Court hearings are daunting. You don't have to go through all that. Even if you can't hire an attorney, you can still win against EOS CCA when you represent yourself by filing anY Answer with SoloSuit's help.

When you draft your Answer to a debt lawsuit, follow these six steps:

  1. The Answer isn't the place to tell your side of the story in detail.
  2. Deny, Deny, Deny.
  3. Include defenses.
  4. Use standard formatting or “style”.
  5. Include certificate of service.
  6. Sign the Answer document.

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

Remove EOS CCA from your credit report

A debt collector's entry on your report is not good for your credit. There are easy ways to get them out.

Pay for delete is one such option. Ultimately, EOS CCA is concerned about debt collection. Although it may seem like they want to ruin your credit, they would prefer to make their money in the easiest way possible. Contact the company and inquire if they are willing to remove the account from your report when you pay. If they accept your proposal, you will stop their calls and repair your credit simultaneously.

If the EOS CCA account is on your report by mistake, you can dispute with the major credit bureaus to have it removed. Contact each bureau separately as they work independently. When you send a written dispute, the bureaus have a limited time to investigate and delete any inaccurate entries. Don't worry if you can't prove that the entry is a mistake. Your job is to point out the error. It's the bureaus' job to provide evidence.

Here are the addresses for each credit bureau:

Credit Bureau Addresses
Credit Bureau Address
Experian P.O. Box 740256
Atlanta, GA 30374-0256
Experian P.O. Box 4500
Allen, TX 75013
TransUnion P.O. Box 2000
Chester, PA 19016

It's stressful just dealing with debt collectors. If you have a delinquent account, you're scratching your head for ways to close the account. You have a way out. Always validate every debt, use the law to your advantage, answer lawsuits promptly, and get EOS CCA off your credit report.

Solo helps you face debt collectors like EOS CCA with confidence without needing to hire an attorney. If you are struggling with debt collectors and want to resolve your debt, you can find help by reading Solo’s blog.

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

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Statute of limitations on debt state guides

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Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

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How to stop wage garnishment in your state

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Other wage garnishment resources

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Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

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Civil law legal definitions

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