Start My Answer

How to Resolve Debt With Alorica Inc.

George Simons | January 16, 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: Alorica Inc. is a customer service agency that partners with companies in various industries, including debt collection. Recently, Alorica purchased Expert Global Solutions, a collection agency based in Pennsylvania. SoloSuit makes it easy to respond to a debt lawsuit against Alorica and settle your debts once and for all.

In the world of debt collection, things are constantly evolving. One significant change is the recent purchase of Expert Global Solutions by Alorica Inc. Expert Global Solutions was one of the nation’s largest debt collection firms. As its new owner, Alorica is now a major player in the collections industry.

Settle debt with Alorica Inc.

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

Settle with SoloSettle

What is Alorica Inc.?

Alorica is one of the largest call centers in the world. Aside from debt collection, its employees service various industries, including fintech, gaming, and subscription companies. Its headquarters are located at 5161 California Ave., Irvine, CA 92617. You can reach the company by phone at 1-866-256-7422.

If you’ve recently received a debt collection notice from Alorica, you probably didn’t know anything about the company. But even though it’s new to collections, Alorica is still subject to the same laws and regulations as other collection agencies.

Sued for debt? Use SoloSettle to settle your debts for good.

Who does Alorica Inc. collect for?

Alorica pursues unpaid debts for a variety of companies in different sectors of the economy who’ve opted to discharge delinquent accounts.

Read Alorica Inc. reviews online

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

You have rights under the FDCPA

When you receive a debt collection notice from Alorica, it’s time to brush up on your knowledge of consumer rights.

The Fair Debt Collection Practices Act (FDCPA) provides you with certain privileges regarding debt collection. In addition, under the FDCPA, debt collectors must refrain from actions that are deceptive, misleading, abusive, or harassing.

Your first order of action is to ask Alorica to validate your debt. That doesn’t mean you call a customer service rep to strike up a friendly conversation. Instead, you’ll need to draft a formal Debt Validation Letter.

Under the FDCPA, you have 30 days after you initially receive a communication from the collection agency to request debt validation. Once Alorica gets your letter, it must prove that you owe the debt or cease its collection efforts.

In your debt validation letter, you’ll want to ask for the following:

  • Proof you owe the debt.
  • The chain of ownership between the original creditor and Alorica.
  • The amount of the debt.
  • Proof that the debt is still within your state’s statute of limitations.
  • Alorica’s collection license number for your state.

A Debt Validation Letter requires Alorica to prove it owns the debt. You’ll also learn how long you have until the debt exceeds the statute of limitations.

If Alorica doesn’t respond to your request, then it’s case closed: Alorica can no longer chase you or continue its collection efforts.

Need drafting your Debt Validation Letter? SoloSuit’s got you covered.

Pay attention to how Alorica communicates with you

Once Alorica gets hold of your account, it won’t just send you letters; it will also call you. Sometimes, it may text you, too.

The FDCPA prohibits debt collectors from harassing or abusing you in their communications. A few things to look out for include:

  • Calling you from different phone numbers throughout the day.
  • Letting your phone ring off the hook.
  • Contacting you at weird hours, like 6 a.m. or midnight.
  • Telling you it will take an action it doesn’t have the right to, like seizing your house.
  • Calling your family members, work colleagues, and old friends from preschool to tell them you owe a debt.
  • Putting up a sign in your neighborhood notifying anyone who drives by that you’re behind on your bills.
  • Tell you it will follow you wherever you go until you pay the debt, like Joe in You. (umm, yikes).

While some of these examples are a little over the top, they’re there to inform you that a debt collector cannot push you around. If you feel you’re being harassed, you probably are. File a complaint immediately with the FTC and the Better Business Bureau.

If Alorica decides to sue you, don’t ignore it

You’ll know that Alorica is taking things to the next level when you receive a Court Summons in the mail. Attached to your Summons will be a copy of Alorica’s Complaint. The Complaint will list the amount you owe and any additional pertinent information about your account.

Read the Complaint carefully to see if there are any errors that you can use to your benefit. For instance, if the amount that Alorica is suing you for doesn’t match your records, that’s important. You can use it as a defense in the case.

Next, you’ll want to write an Answer and submit it to the court and Alorica. An Answer is your formal response to the debt collector’s Complaint. It will include any defenses you have to the lawsuit.

Even if you don’t have a solid defense, you’ll still want to draft an Answer. Your Answer will prevent Alorica from obtaining a default judgment against you. Instead, the judge will listen to your testimony before deciding on the claim’s outcome.

Respond to a debt lawsuit against Alorica in minutes with Solo.

Settle your debt with Alorica Inc.

After you file your Answer, you have two options to resolve the debt before your court date: repaying or settling the debt.

Repaying the debt stops the lawsuit since there’s no longer anything to sue you for. However, if you don’t have all the money to repay the debt, you can offer Alorica a settlement instead.

Let’s consider an example.

Example: Fred has an old credit card debt of $3,000 that Alorica is suing him for. Fred uses SoloSuit to file an Answer alleging that the amount of the lawsuit doesn’t agree with his records. Next, he uses SoloSettle to negotiate a settlement with Alorica, offering $1,500 in exchange for dropping the lawsuit and releasing him from the remainder of the debt. Alorica agrees, and SoloSettle transfers Fred’s settlement money to Alorica, helping him keep his financial information private and secure. Alorica drops the case and reports Fred’s debt as settled to the credit bureaus.


SoloSettle, powered by SoloSuit, can help you settle your debts once and for all. As a tech-based approach to debt settlement, you can use SoloSettle to settle debt on your own by using its software to send and receive settlement offers until you reach an agreement with Alorica Inc.

Once an agreement is reached, SoloSettle helps you manage the settlement documentation that should be filed into your debt lawsuit case.

Plus, you won’t have to worry about your financial information being compromised, because SoloSettle will transfer your payment to the collector on your behalf, keeping your financial information private and safe.

Settle with SoloSettle

Make an Offer

To learn more about how to settle a debt with Alorica watch the following video:

Don’t let Alorica beat you in court — you got this!

While debt collection notices are never fun to deal with, it’s essential to remember that you have rights and protections under federal and state laws. Just because a debt collector like Alorica says you owe a debt doesn’t mean it’s true. Follow our guide, and you can move on from a frustrating experience, free from Alorica’s letters and calls.

Do you need help settling a debt with Alorica? SoloSettle can handle the process for you — try it out today!

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

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

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

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

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.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

Contents