Settle Debt With AWA Collections In 3 Steps
AWA Collections is a legitimate debt collector that uses skip-tracing and credit reporting to collect debts. You can beat them by sending a Debt Validation Letter, negotiating a settlement for less than you owe, or responding to any lawsuit within the deadline to avoid default judgment.
Answer AWA LawsuitDebt collection calls are annoying. A damaged credit report is worse. AWA Collections understands you want to protect your credit score.
They use credit reporting to pressure you into paying alleged delinquent accounts. If you’re receiving multiple calls and letters from AWA Collections, you have options.
Respond to AWA Collections Before Your Court Deadline
Don't let AWA Collections win by default. You have 14-35 days to respond to the lawsuit and protect yourself from wage garnishment and bank levies.
Draft Your Answer NowYou can negotiate, validate the debt, or fight back if they sue you.
What is AWA Collections?
Adler Wallach Associates, Inc operates as AWA Collections. The company has been in business since August 1993. It is a legitimate third-party debt collector.
AWA Collections specializes in accounts receivables, skip-tracing, asset investigation, and credit reporting. They track consumers, make collection calls, and report delinquent accounts to credit bureaus.
Who Does AWA Collections Collect For?
AWA Collections works across almost every industry. The company collects for:
- Bank cards and financial institutions
- Healthcare providers
- Telecommunications companies
- Utility companies
- Retail and commercial businesses
- Government agencies
You might hear from AWA Collections about late medical bills, gas bills, or taxes.
Is AWA Collections Legitimate?
Yes, AWA is a legitimate debt collection agency. They employ trained debt collectors who will call you. They report unpaid debts to credit bureaus. They may even take legal action against you.
The best way to resolve debt with Adler Wallach & Associates is to communicate openly. You can reach them using the following contact information:
- Phone number: 888-771-3690
- Email: info@payawa.com
- Address: 1045 W Katella Ave STE 230 Orange, CA
- Mailing address: P.O. Box 6605 Orange, CA 92863-6605
- Website: www.adlerwallach.com
AWA Collections Reviews Online
Want to learn what consumers say about AWA Collections? Read these reviews:
- AWA Collections reviews with the Better Business Bureau
- AWA Collections reviews on Google
- AWA Collections reviews on Yelp
How to Negotiate a Debt Settlement With AWA Collections
If you acknowledge the debt and want to avoid litigation, negotiate a settlement. AWA Collection may agree to settle for less than the full amount. They may also agree not to report your account once you pay.
Follow these three steps to settle your debt:
- Respond to any pending debt collection lawsuit filed by AWA Collections.
- Determine how much you can reasonably afford based on the amount owed. Send a settlement offer to AWA Collections.
- Get the debt settlement terms in writing if you reach an agreement.
Many debt collection agencies will settle for less than the original amount. They often purchase debts for pennies on the dollar. Our partner Solo makes it easy to start the debt settlement negotiation process.
Your FDCPA and FCRA Rights
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive collection practices. Debt collectors must follow these rules under federal law:
- Debt collectors cannot send you postcards to publicize your debt.
- Debt collectors must identify themselves and verify your identity when they call.
- Debt collectors cannot harass you with endless or odd-hour calls.
- A debt collector cannot scream profanities or call you demeaning names.
- Debt collectors cannot threaten to harm you or a family member.
You can find more information on the Fair Trade Commission’s (FTC) website.
Fair Credit Reporting Act Protection
The Fair Credit Reporting Act (FCRA) regulates how debt collectors report to credit reporting agencies. FCRA Section 623 states that no person shall furnish information if they know it’s inaccurate.
You have the right to dispute any wrong information in your credit report. Contact each bureau that reported the error. Ask them to correct it. Reach out to AWA and ask them to validate the debt or stop furnishing it.
You can dispute errors with the three major credit bureaus:
Debt collectors can report collections without notifying you first. Check your credit report regularly to stay current. All agencies offer free reports every year at AnnualCreditReport.com.
Check whether the statute of limitations has expired on an account. Take care not to restart the clock on old debts.
Send a Debt Validation Letter to Avoid a Lawsuit
You can prevent a lawsuit by sending a Debt Validation Letter. AWA Collections acquires debts at all stages. They may lose valuable information on an account.
Asking AWA to validate each debt can stop collections. Many collectors cannot verify the debts they’re trying to collect.
Many debt collectors give up after receiving a Debt Validation Letter. They simply cannot validate the debt. A Debt Validation Letter is a powerful tool to get collectors off your back.
What to Do If AWA Collections Sues You
You can still win the lawsuit if your account goes to court. The secret is to respond to the Summons.
Many consumers ignore the Summons. They think the case will disappear if they’re innocent. But lawsuits don’t work that way.
Failure to file your Answer can earn you a default judgment. The debt collector may get permission to garnish your wages. They could place liens on your property or freeze your bank accounts.
Three Steps to Respond to an AWA Collections Lawsuit
Responding to a lawsuit is straightforward. Follow these three steps:
- Answer every claim: The Complaint lists why AWA is suing you. Answer each claim independently. State clearly whether you agree, deny, or deny for lack of knowledge.
- Assert your affirmative defenses: Tell the court why you should win. Mention if the collection resulted from identity theft or if the statute of limitations expired.
- File the Answer before the deadline: You have 14-35 days, depending on your state. Check the Summons for your deadline. Use certified mail to track delivery. Keep a copy for your records.
Our partner Solo can help you draft and file your Answer in minutes.
Common Complaints Against AWA Collections
The most common claim against AWA Collections is wrongful credit reporting. Their skip-tracing agents aggressively pursue payment.
You can beat AWA Collections by knowing your rights. Use the Debt Validation Letter. Respond promptly to any lawsuit.
Winning against debt collectors starts with taking action. You have the power to protect your rights and resolve your debt on your terms.