How to Resolve Debt with Kenneth Eisen and Associates

Are you facing collection pressure from Kenneth Eisen and Associates? You have more power than you think. Over 70 million Americans currently have debts in collections. You’re not alone in this fight.

A collection notice feels overwhelming, but you can take control. Understanding your rights changes everything. You can challenge the debt, negotiate a settlement, or fight back if they violate the law.

our partner Solo helps you respond to debt lawsuits and settle debts before court. Keep reading to protect yourself.

Who Is Kenneth Eisen and Associates?

Kenneth Eisen and Associates operates as a debt recovery service. The company collects credit card debts, medical bills, overdue cell phone accounts, and rental obligations. They’ve been in business since 1992.

The company holds membership in ACA International and the Arizona Collectors Association. Their collection authority outside Arizona remains unclear.

Kenneth Eisen and Associates has an A+ BBB rating but isn’t BBB accredited. Customer reviews on their BBB profile are uniformly negative.

The Consumer Financial Protection Bureau has received multiple complaints against the firm. Consumers report:

• Failure to validate debts upon request
• Rude and argumentative behavior
• Excessive phone calls (up to ten daily)
• Harassment and intimidation tactics

Understanding your legal protections helps you fight back against aggressive tactics.

Your Rights Under the Fair Debt Collection Practices Act

The FDCPA protects you from abusive collection practices. Kenneth Eisen and Associates must follow strict rules.

The company cannot:

• Call you before 8 a.m. or after 9 p.m.
• Contact you at work if your employer prohibits it
• Discuss your debt with family or friends
• Continue contacting you after you demand they stop
• Harass, abuse, or threaten you
• Call repeatedly to annoy or harass you
• Hide their identity as a debt collector
• Make false statements about who they are
• Threaten to seize property they cannot legally take
• Threaten legal action they don’t intend to pursue

Document every interaction with Kenneth Eisen and Associates. Record dates, times, and what was said. If they violate the FDCPA, you can file a complaint with the FTC.

You also have the right to demand debt validation. Never pay without proof.

Force Them to Validate Your Debt

A collection notice from Kenneth Eisen and Associates requires immediate attention. Don’t ignore it, but don’t pay it immediately either.

The notice should list the original creditor and the amount owed. Even if you recognize the debt, demand validation first.

Debt validation confirms the company has legal authority to collect. It also verifies the amount is accurate.

Your Debt Validation Letter should request:

• The last transaction date with the original creditor
• A copy of your original contract
• Proof Kenneth Eisen and Associates owns the debt
• Itemization of all fees and interest charges
• Calculation showing the debt’s age versus your state’s statute of limitations
• Their debt collection license number for your state

Once you send a Debt Validation Letter, they must stop collection activity. They cannot continue until they provide proper documentation.

If they validate the debt, you have three options. You can repay it in full, negotiate a settlement, or arrange a payment plan. Any option is better than ignoring the situation.

Kenneth Eisen and Associates Can Sue You

Ignoring debt doesn’t make it disappear. Kenneth Eisen and Associates will sue if you don’t respond.

A lawsuit becomes likely when you:

• Refuse to set up payment arrangements
• Ignore their contact attempts
• Wait until the debt nears the statute of limitations

A lawsuit Complaint gives you limited time to act. You must resolve the debt before your court hearing date.

You can fight back by filing an Answer to the Complaint. Appearing in court without a solid defense usually results in a judgment against you. If you owe the debt, settlement offers your best path forward.

our partner Solo helps you draft and file an Answer to your lawsuit. Filing an Answer buys you time to negotiate.

How to Settle with Kenneth Eisen and Associates

Filing an Answer stops the clock on your lawsuit. You gain valuable time to explore settlement options.

Paying the debt ends the legal process immediately. The collector has nothing to sue for once you pay.

Settlement works when you can’t afford the full amount. You offer a lump-sum payment for a percentage of the total debt. In exchange, they drop the case and forgive the remaining balance.

Start by offering 60% of the debt’s value. Your financial situation might require offering less. Explain your circumstances and see if they’ll negotiate.

our partner Solo uses technology to streamline debt settlement. The software sends and receives offers until you reach an agreement. Once settled, it manages documentation and transfers payment securely.

Real Settlement Example

Sarah owes $1,000 on a credit card now owned by Kenneth Eisen and Associates. They’re suing her, and she can’t repay the full amount.

Sarah offers $600 through a settlement platform. Kenneth Eisen and Associates accepts. They prepare settlement documentation, receive the payment, and drop the lawsuit. Sarah’s remaining $400 balance is forgiven.

Act Now to Avoid Court

Quick action prevents debt situations from escalating to court. Respond immediately when you receive a collection notice.

Request debt validation first. If they provide proof, arrange payment or negotiate settlement. The right strategy resolves the matter and protects your rights.

You don’t have to fight Kenneth Eisen and Associates alone. Professional help makes settlement faster and easier.