How to Resolve Debt with Eastern Account System

Eastern Account System contacted you about a debt. You might even face a lawsuit.

Stay calm. You have options to protect your rights and resolve your situation.

Review the debt details carefully. Check the amount owed, original creditor, and timeline.

Understanding these facts helps you plan your next move.

What Is Eastern Account System?

Eastern Account System, Inc., operates as a third-party debt collector in Danbury, Connecticut. The company has collected debts for over thirty years.

They work with businesses across multiple industries:

• Cable companies
• Financial institutions
• Healthcare providers and hospitals
• Property management companies
• Credit card companies
• Utility companies

Eastern Account System often purchases debts from original creditors. They pay pennies on the dollar for these accounts.

Sometimes they buy debts for just 1/10th of the original amount. That’s why you should know your rights before making payments.

Read Online Reviews About Eastern Account System

Check reviews on the Better Business Bureau, CFPB, and Google Reviews. Reviews show mixed experiences with the company.

Some consumers report misunderstandings about balances. Others describe positive interactions where the company worked collaboratively.

Look for patterns across multiple reviews. One consumer shared their experience:

“I got a call from this debt collector. I usually brush these off and hang up because of the possibility of fraud or scams, but this time I decided to log into Xfinity to double-check. It was, in fact, not paid and had been over 5 months. I had completely forgotten about it. If you get a call, just log into your account, and you should see the direct amount quoted.”

Resolving debt becomes simpler when you engage openly with collectors.

Eastern Account System Must Follow the FDCPA

The Fair Debt Collection Practices Act protects you from unfair collection practices. Federal law requires debt collectors to treat you professionally.

Understanding your FDCPA rights helps you handle the collection process effectively.

Debt collectors cannot:

• Call you at work if your employer prohibits it
• Contact you before 8:00 am or after 9:00 pm
• Discuss your debt with anyone except your lawyer or spouse
• Threaten arrest for unpaid debt
• Threaten property seizure without a warrant
• Use obscene language or make threats
• Misrepresent the amount you owe
• Make false allegations about the debt

You can take legal action if collectors violate these rules. File your claim within one year of the violation.

You may receive up to $1,000 in damages plus attorney fees.

Get Everything in Writing from Eastern Account System

Phone conversations can lead to unclear or incomplete information. Written documentation protects you and creates a clear record.

Request that Eastern Account System send all communications through U.S. mail. The FDCPA requires them to comply with your request.

Written records prove invaluable when you need to verify claims. Keep every letter and document you receive.

Paper trails help you address disputes and protect your rights in court.

Request Proof of Debt from Eastern Account System

Eastern Account System buys charged-off debts that may lack complete documentation. You have the right to request detailed information.

Ask them to provide:

• The original creditor’s name
• The exact amount owed
• Procedures for disputing the debt
• Proof the debt hasn’t been paid

They must respond within 30 days of your request. They cannot continue collection attempts until they provide this information.

If they file a lawsuit without responding, you can take action. File a small claims case in state court with this evidence:

• Your mailed letter requesting information
• Proof of delivery to Eastern Account System
• Documentation they failed to respond within 30 days

Respond to the Debt Lawsuit from Eastern Account System

Eastern Account System sent you a Summons and Complaint. The Summons notifies you of the lawsuit.

The Complaint lists specific claims against you. You must file a written Answer to these documents.

Our partner Solo can help you respond quickly and effectively.

Follow these three steps to respond:

Answer Each Claim in the Complaint

Respond to every claim with admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible.

Your Answer creates your defense foundation.

Assert Your Affirmative Defenses

Affirmative defenses provide legal reasons the case should be dismissed. The statute of limitations is a common affirmative defense.

If the time limit for suing has passed, Eastern Account System loses its legal right. Several other affirmative defenses can strengthen your case.

File Your Answer and Send a Copy

File your Answer within the court’s deadline. Deadlines range from 14 to 35 days depending on your state.

Make a copy and send it via USPS-certified mail to Eastern Account System’s attorneys.

Key Steps If Eastern Account System Sues You

Document any calls before 8:00 am or after 9:00 pm. Collectors cannot contact you outside regular business hours.

They also cannot call you at work or use foul language.

File your Answer within the proper time frame. Raise at least one affirmative defense in your response.

Put the burden of proof on Eastern Account System. Make them prove you owe the alleged amount.

Track your lawsuit through the court system. Respond to all information requests promptly.

Attend every court hearing until you reach a resolution.

Settle Your Debt with Eastern Account System

You can settle your debt at any time. Settlement remains an option even after a lawsuit begins.

Here’s how to resolve your debt through settlement:

1. Review your budget to determine affordable payment amounts
2. Contact Eastern Account System with a reasonable settlement offer
3. Start with a figure slightly lower than your maximum budget
4. Send written correspondence outlining phone discussions
5. Get settlement terms in writing before paying anything
6. Request a signed debt settlement agreement from both parties
7. Pay the agreed amount on time according to the payment plan

Our partner Solo helps you manage paperwork and negotiate effectively. Start working on your settlement today.

Former debt collectors recommend starting with low offers. You can always negotiate upward from your initial proposal.