How to Resolve Debt With Alorica Inc. and Protect Your Rights
Alorica Inc. is a major debt collector, but you have strong rights under the FDCPA. Request debt validation within 30 days, respond to any lawsuit with an Answer, and consider settling the debt for less than the full amount to avoid a judgment.
Answer Alorica LawsuitIn the debt collection world, major changes are happening. Alorica Inc. recently purchased Expert Global Solutions, one of the nation’s largest debt collection firms. Now Alorica is a major player in the collections industry.
You need to know your rights when dealing with Alorica.
Respond to Your Alorica Lawsuit in 15 Minutes
Don't let Alorica win by default. File your Answer today and protect yourself from a judgment. Our partner Solo makes it simple to respond to any debt collector lawsuit.
Respond to Alorica NowWhat is Alorica Inc.?
Alorica is one of the largest call centers in the world. The company services various industries beyond debt collection, including fintech, gaming, and subscription companies.
Its headquarters are located at 5161 California Ave., Irvine, CA 92617. You can reach them at 1-866-256-7422.
If you 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 must follow the same laws as other collection agencies.
Who Does Alorica Inc. Collect For?
Alorica pursues unpaid debts for various companies across different sectors. These companies have opted to discharge delinquent accounts to Alorica for collection.
Read Alorica Inc. Reviews Online
Curious about consumer experiences with Alorica? Check out these reviews:
- Alorica reviews on Google
- Alorica reviews with the Better Business Bureau
- Alorica reviews on the CFPB consumer database
You Have Rights Under the FDCPA
When you receive a debt collection notice from Alorica, brush up on your consumer rights.
The Fair Debt Collection Practices Act (FDCPA) provides you with certain protections regarding debt collection. Debt collectors must refrain from actions that are deceptive, misleading, abusive, or harassing.
Request Debt Validation
Your first action is to ask Alorica to validate your debt. You’ll need to draft a formal Debt Validation Letter.
Under the FDCPA, you have 30 days after initial communication from the collection agency to request debt validation. Once Alorica gets your letter, it must prove you owe the debt or cease collection efforts.
In your debt validation letter, 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, it’s case closed. Alorica can no longer chase you or continue collection efforts.
Pay Attention to How Alorica Communicates With You
Once Alorica gets hold of your account, it won’t just send letters. It will also call you and sometimes text you.
The FDCPA prohibits debt collectors from harassing or abusing you in their communications. Watch out for these violations:
- Calling you from different phone numbers throughout the day
- Letting your phone ring off the hook
- Contacting you at unreasonable hours, like 6 a.m. or midnight
- Threatening actions it doesn’t have the right to take, like seizing your house
- Calling your family members, work colleagues, or friends to discuss your debt
- Making public announcements about your debt
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 Alorica is escalating when you receive a Court Summons. Attached to your Summons will be a copy of Alorica’s Complaint. The Complaint lists the amount you owe and other pertinent information about your account.
Read the Complaint carefully to spot any errors you can use to your benefit. For instance, if the amount Alorica is suing you for doesn’t match your records, that’s important. You can use it as a defense in the case.
Write and File Your Answer
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 prevents Alorica from obtaining a default judgment against you. The judge will listen to your testimony before deciding on the claim’s outcome.
Our partner Solo can help you respond to a debt lawsuit against Alorica in minutes.
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.
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.
Debt Settlement Example
Consider how Fred resolved his Alorica debt:
Fred has an old credit card debt of $3,000 that Alorica is suing him for. Fred files an Answer alleging that the lawsuit amount doesn’t agree with his records. Next, he negotiates 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 drops the case. The company reports Fred’s debt as settled to the credit bureaus.
How to Negotiate Your Settlement
You can settle debt on your own by sending and receiving settlement offers until you reach an agreement with Alorica Inc. Our partner Solo offers tools to help you negotiate effectively.
Once you reach an agreement, ensure you get settlement documentation. File any required documents into your debt lawsuit case.
Keep your financial information private and safe during the settlement process. Never share sensitive banking details unnecessarily.
Know Your Options for Resolving Alorica Debt
Debt collection notices are never fun to deal with. But 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. You can move on from this frustrating experience, free from Alorica’s letters and calls.
Take action today. Follow these steps:
- Request debt validation within 30 days
- Document all communications from Alorica
- File an Answer if you’re sued
- Consider settlement to resolve the debt
- Report any FDCPA violations to the FTC
You have the power to resolve Alorica debt on your terms.