How to Resolve a Debt with ACEI Collections
If ACEI Collections contacts you about a debt, validate it first before making any payments. You have the right under the FDCPA to request proof of the debt within 30 days. If sued, respond with an Answer and consider negotiating a settlement for 60-75% of the original amount.
Answer ACEI LawsuitManaging finances gets tough sometimes. You might find yourself owing money to a collections agency. If ACEI Collections has contacted you about a debt, you need a clear plan. You have options to manage and resolve the situation.
What is ACEI Collections?
American Collections Enterprise, Inc. (ACEI) is a debt collection agency operating throughout the US. ACEI Collections buys debts from creditors who no longer pursue collection efforts. Once they own the debt, ACEI Collections can take you to court.
ACEI Collections Suing You? Respond Before the Deadline
Don't let ACEI Collections win by default. Draft and file your Answer in minutes to protect yourself from automatic judgment and buy time to negotiate a settlement.
Respond to ACEI NowACEI Collections lacks BBB accreditation and holds a B- rating. Customer reviews average just 1 out of 5 stars on BBB. Google reviews are slightly better at 1.3 out of 5 stars.
Many complaints appear on ACEI’s BBB profile and the CFPB consumer complaint database. Common allegations include attempts to collect invalid debts and reporting inaccurate credit information. The agency often fails to verify debts upon request.
Knowing your rights keeps you protected from sketchy collection practices.
The FDCPA Protects You From Unethical Collection Practices
The FDCPA shields consumers from abusive debt collection practices. Under this law:
- ACEI Collections must provide written notice of the debt
- They cannot call before 8 a.m. or after 9 p.m.
- They must stop communication if you request it in writing
- Harassment and misrepresentation are prohibited
- They cannot discuss your debt with friends, family, or coworkers
You can report FDCPA violations to the Consumer Financial Protection Bureau. You also have the right to debt validation before taking action.
Make ACEI Collections Validate the Debt
Errors happen frequently in debt collection. A debt you already paid might mistakenly appear on your record. Someone else’s debt could be attributed to you.
Debt validation is your federal right. It ensures you aren’t liable for invalid debts or time-barred accounts.
You should respond with a Debt Validation Letter within 30 days of initial contact. Don’t make any payments before validating. The FDCPA states that collectors must cease collection until they verify the debt.
ACEI Collections must provide:
- Proof that you owe the debt
- The exact amount of the debt
- The age of the debt
- Documentation of ACEI’s ownership of the debt
- Their debt collector license for your state
- A calculation showing the statute of limitations hasn’t expired
- The last action taken on the account
If ACEI Collections can’t provide all this information, they often stop contacting you. Even valid debts lack proper documentation sometimes. Collectors frequently cannot prove they own the debt or have collection rights.
ACEI Collections Contact Information:
Address: P.O. Box 30096, Alexandria, VA 22310
Phone: 703-253-7000
Email: cs@payacei.com
Respond to Your ACEI Collections Lawsuit
ACEI Collections can sue if the debt is valid and within your state’s statute of limitations. If you’ve been sued, you need to respond before your state’s deadline.
You must draft and file an Answer into the case. In your Answer, you should:
- Respond to each claim against you
- Assert your affirmative defenses
Our partner Solo helps you draft and file a customized Answer in minutes. The software creates a personalized response to avoid default judgment. You simply answer questions about your case.
Your Answer will be properly formatted with appropriate legal language. It addresses all claims and includes affirmative defenses.
Settle Your Debt With ACEI Collections
After responding to the lawsuit, you have time to negotiate a settlement. You can often settle for less than you owe.
In a debt settlement, you offer a portion of the total amount due. Most collectors accept at least 60% of the debt’s value. In exchange for a lump-sum payment, ACEI Collections drops legal claims. They release you from the remaining balance.
Always get a written agreement outlining the settlement terms. Don’t make any payments without this documentation. Follow through on all payments as agreed. Late or missed payments can nullify your agreement.
After settling, monitor your credit report closely. The account should reflect the payment. It should be marked as “paid” or “settled.”
Settlement Example
Kyle receives contact from ACEI Collections regarding a $3,500 debt. He ignores it for months. Eventually, court documents arrive notifying him of a lawsuit. Kyle uses our partner Solo to respond with a written Answer. The response buys him time to negotiate. He sends a settlement offer of 60%, or $2,100. ACEI Collections counteroffers. After several rounds of negotiations, they settle for $2,625. Kyle saves $875 from the original amount.
You Can Resolve Your ACEI Collections Debt
Facing a collections agency feels intimidating. Understanding your rights reduces the stress significantly. Approach the process methodically and keep communication open. You have powerful resources available to help you succeed.
What is Solo?
Solo makes it easy to resolve debt with collectors. You can use Solo to respond to lawsuits and send validation letters. You can also settle debts for less than you owe.
Solo’s Answer service is a step-by-step web app. It asks you all necessary questions to complete your Answer. An attorney reviews your document before filing. Solo handles the entire filing process for you.
Solo can help you contact ACEI Collections and negotiate to settle. The entire process happens online. It simplifies and streamlines debt settlement.
No matter where you are in the debt collection process, Solo helps you resolve your debt.