How to Resolve a Debt with Eagle Accounts Group, Inc.

Edited by Hannah Locklear

Are you feeling a little stressed about a debt that Eagle Accounts Group, Inc. says you owe? You’ll likely want a few tips on handling the matter without destroying your credit or ending up with a debt lawsuit.

While collection agencies aren’t known for being the friendliest organizations, they usually aren’t out to get you. They won’t break your legs or show up in a dark alley, hounding you for money. However, they will send you letters and call you, which can be annoying, especially if you don’t know who they are or have the money to pay them.

Sued for debt? Resolve it through debt settlement.

What to know about Eagle Accounts Group

According to its website, Eagle Accounts Group, Inc. is Indiana's top debt collector for government service agencies. Often simply called “Eagle Accounts,” it helps organizations retrieve money due, including child support debts and outstanding medical obligations.

Formed in 1972, Eagle Accounts Group has been working to recover debts since then. The company offers various financial services, including dispute resolution, court services, asset recovery, and debt collection. If it’s suddenly contacting you, you may have an overdue obligation you’ve neglected to pay.

Eagle Accounts Group is not accredited by the Better Business Bureau (BBB), but the company does have a current rating of A+. The Consumer Financial Protection Bureau has received dozens of complaints against Eagle Accounts Group. Here’s an example of a real complaint:

“They charged my insurance for 2 appointments, a surgery, and an office visit. I never had a surgery, I never showed up for that appointment, and they fraudulently charged me for a visit that I never attended.”

Based on this complaint and others, you should definitely investigate the alleged debt before you make any payments to Eagle Accounts Group Inc. In fact, it’s one of your rights as a consumer to request debt validation when debt collectors contact you, as outlined in the Fair Debt Collection Practices Act (FDCPA).

Make Eagle Accounts Group validate the debt

If you receive a debt collection notice from Eagle Accounts Group, your first step is to read the statement entirely and see if you recognize the obligation. However, even if you do, you’ll want to send a Debt Validation Letter to ensure the company has the right to collect from you.

Under the FDCPA, you have 30 days to request that a debt collector validate an obligation after you first receive written communication. Once it receives your letter, the collection agency must provide you with the evidence you request before attempting to contact you again.

Even if the 30 days have expired, you can still request a validation. However, it’s best to do so quickly rather than ignore any communications about debts.

In your Debt Validation Letter, ask Eagle Accounts Group to provide you with the following:

• The name of the original creditor and the total amount due.
• A copy of the contract where you agreed to take on the debt.
• The date of the last payment made on the account.
• The age of the debt.
• An explanation for whether the obligation is past your state’s statute of limitations.
• Eagle Accounts Group’s debt license number in your state.

After sending the Debt Validation Letter, you should notice a drop in the calls and letters you receive. Eagle Accounts Group must provide the requested information to you. If it doesn’t, it likely lacks all the documentation you asked for. You can consider the matter closed, but watch your credit score to ensure it doesn’t make any adverse reports.

Watch the following video for quick tips for drafting a Debt Validation Letter to Eagle Accounts Group.

What to do if Eagle Accounts Group validates your debt

If Eagle Accounts Group provides you with evidence to support your debt, you have a couple of options. You can repay the debt, set up a repayment agreement, or attempt to settle it.

Repaying the debt is best. A total repayment stops any further collection activity on your account. You won’t need to worry about phone calls, letters, emails, or texts once you pay off what you owe. However, repayment isn’t an option in some cases, especially if the debt concerns a lot of money or you are living paycheck to paycheck.

In that case, ask the company to consider a payment arrangement: You’ll agree to pay Eagle Accounts Group a specific amount each month until you satisfy the debt. The company will likely work with you to find a suitable amount that doesn’t cut too far into your budget. However, if you miss a payment, it may start collections activities again.

Debt settlement is another alternative that can take care of the obligation quickly. You can also save some money.

Note: Do not pay, or agree to pay, Eagle Accounts Group until you have checked the statute of limitations on your debt. Doing so could renew the company’s ability to file a lawsuit to collect the debt.

Settle your debt with Eagle Accounts Group Inc

In a debt settlement, you offer Eagle Accounts Group a portion of the total amount you owe. If it agrees to your settlement offer, it will accept your payment and forgive the remaining balance. After it receives your money, Eagle Accounts Group should report your account settled to the credit bureaus.

Based on typical debt settlements, it’s best to offer a payment of no less than 60% of the debt value; however, the final decision rests with you. Should your financial situation prevent you from meeting this amount, it would be worthwhile to communicate your circumstances and explore whether Eagle Accounts Group is willing to accommodate your limitations.

To understand more about settling a debt with Eagle Accounts Group Inc, watch the following video:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Now, let’s consider an example of how to settle debt with Eagle Accounts Group.

Don’t avoid your debt

While ignoring collection notices from Eagle Accounts Group, Inc. may reduce your stress in the short term, the company isn’t going to go away. It will escalate its efforts, and you may end up in a debt lawsuit.

Instead of allowing the situation to worsen, send a Debt Validation Letter. If Eagle Accounts can prove you owe the money, set up payment arrangements or attempt to settle the matter.

Do you need help settling a debt with Eagle Accounts Group? Try out SoloSettle, SoloSuit’s debt settlement solution.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

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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.)

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