How to Resolve a Debt with Kenneth Eisen and Associates

Edited by Hannah Locklear

Are you feeling the heat from a debt collection notice from Kenneth Eisen and Associates? If so, you’re not alone. According to Urban Institute, over 70 million Americans have debts in collections. That’s pretty astounding and signals that many people face financial problems every day.

Receiving a collections notice from a debt collector is never fun, but there are steps you can take to resolve the issue and move on from it. In this article, we’ll specifically address debts held by Kenneth Eisen and Associates.

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

What you need to know about Kenneth Eisen and Associates

Kenneth Eisen and Associates is a debt recovery service that collects many obligations, including credit cards, medical debts, overdue cell phone bills, and rental obligations. According to their website, they’ve been in business since 1992. This debt collection agency is an ACA International and the Arizona Collectors Association member. It’s unclear if the company has the right to collect debts outside of Arizona or if they practice only within the state.

Kenneth Eisen and Associates’ BBB rating is A+ even though it is not accredited by the Better Business Bureau. On its BBB profile, there are several reviews of the company, all of them negative.

The Consumer Financial Protection Bureau has received several complaints against Kenneth Eisen & Associates from consumers who feel like their rights have been violated by the law firm’s collection practices.

Most complaints cite Kenneth Eisen and Associates failing to validate a debt upon request and being rude or argumentative at times. One consumer alleged they receive up to ten phone calls daily from the company, which is illegal per the Fair Debt Collections Practices Act (FDCPA).

Knowing your rights under the FDCPA can help you prevent a lawsuit and also defend yourself effectively if a case has already been opened against you. Keep reading to learn more about your consumer rights.

Kenneth Esien & Associates must follow the FDCPA

The FDCPA protects you from unfair, abusive, and aggressive debt collection tactics. Under the FDCPA, Kenneth Esien and Associates cannot:

• Call you before 8 a.m. or after 9 p.m.
• Call you at work when your employer prohibits such communication
• Tell your family or friends that you owe a debt
• Continue to contact you when you have explicitly asked them not to
• Take actions considered harassment or abuse under the FDCPA
• Claim they will sell your debt in order to coerce you to pay
• Cause your phone to ring repeatedly with the intent to annoy
• Fail to disclose that they are a debt collector
• Make false claims about who they are
• Threaten to seize your house or other property
• Threaten to take legal action that they cannot, or do not plan to, take

Pay close attention to how Kenneth Eisen & Associates communicates with you. If their actions are FDCPA violations, protect your rights and file a complaint with the FTC.

Also listed under the FDCPA is your right to have your debt validated. If you suspect any part of the alleged debt is inaccurate, consider sending a Debt Validation Letter to request proof that the debt is real valid.

When you received a debt notice from Kenneth Eisen and Associates, make them validate it

Opening your mailbox to find a letter from Kenneth Eisen and Associates probably won’t be a highlight of your day, but you’ll want to read it rather than simply throwing it away. Your notice should include some specific information, like the name of the original creditor and the amount you allegedly owe.

It’s a mistake to take the notice for granted and pay the bill, even if you recognize the debt. Under the FDCPA, you can ask a collection agency to validate the debt. Validating a debt ensures the company has the right to collect money from you and that you truly owe the obligation.

In your Debt Validation Letter to Kenneth Eisen and Associates, ask for the following:

• The last transaction made on your account with the original creditor.
• A copy of the contract between you and the creditor.
• Proof that Kenneth Eisen and Associates now owns your debt.
• List of any additional interest and fees added to the initial debt.
• A calculation of the debt’s age compared to your state’s statute of limitations.
• Kenneth Eisen and Associates license number for debt collection in your state.

Sending a Debt Validation Letter helps even the footing between you and the company. Kenneth Eisen and Associates must supply you with the appropriate information before they can continue any collections activity.

If the organization validates your debt, you can either repay the bill, try to settle it, or set up a payment arrangement. Any one of the three will keep you on the company’s good side and hopefully prevent a debt lawsuit.

Kenneth Eisen and Associates may sue you for outstanding debt

Unfortunately, debts don’t go away, and if you don’t act, Kenneth Eisen and Associates may decide to sue you. A lawsuit is more likely if you don’t set up any payment arrangements, ignore their attempts at contact, and the obligation is nearing your state’s statute of limitations.

If you receive a Complaint concerning your debt, your options for resolving it will be time-limited. You’ll only have until the date of your court hearing to pay off or settle the obligation.

You can attempt to argue your case by responding to the Complaint with an Answer and appearing in court, but unless you have a solid justification for your claim, you may end up with a judgment. If you know you owe the debt, debt settlement might be your next best bet.

SoloSuit can help you draft and file an Answer to your debt lawsuit.

Settle your debt with Kenneth Eisen and Associates

When you respond to your debt lawsuit with an Answer, you buy yourself time to explore debt settlement and payment plan options. Repaying the debt stops the judicial process. After all, once you pay the money due, there’s nothing to sue you for.

A settlement might work if you don’t have the money to repay the total debt. In a settlement, you offer a lump-sum payment for a percentage of the total obligation in exchange for dropping the case and forgiving the remaining amount.

SoloSuit recommends offering at least 60% of the debt’s value, but it’s at your discretion. If your financial circumstances don’t allow you to pay that much, you can explain the situation and see if Kenneth Eisen and Associates will work with you.

Watch this video to learn more about how to negotiate a debt settlement with Kenneth Eisen and Associates:

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 a debt with .Kenneth Eisen & Associates.

Example: Gabby is on the hook for a $1,000 credit card bill that Kenneth Eisen and Associates recently took over. She used her card to buy 400 cases of Vanilla Coke and ran out of money to pay the bill. Now, Kenneth Eisen and Associates is suing Gabby, and she doesn’t have enough cash to repay the entire obligation. However, Gabby thinks she can pay off some of it. She uses SoloSettle to send an offer of $600 to Kenneth Eisen and Associates. They accept the settlement and arrange the agreement documentation. After SoloSettle transfers the settlement amount, Kenneth Eisen and Associates drops the case against Gabby and forgives the remaining balance.

Take action quickly to avoid a debt lawsuit from Kenneth Eisen and Associates

To prevent your debt from spiraling out of control and ending up in a courtroom, taking the right steps is crucial once you receive a collection notice from Kenneth Eisen and Associates.

Start by requesting the company validate the debt. If they provide you with the requested information, consider setting up payment arrangements or attempting to settle it. You can avoid a debt lawsuit and resolve the matter with a proper strategy.

Do you need help settling a debt with Kenneth Eisen and Associates? Consider SoloSettle, our debt settlement solution.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

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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