Start My Answer

How to Beat Aldous and Associates

Dena Standley | July 27, 2022

You when you beat Aldous and Associates ^^

Summary: Is Aldous and Associates suing you for a debt? SoloSuit can help you take a stand and win in court.

Aldous & Associates is a law firm specializing in 90-day past-due consumer collections in the fitness industry. Aldous, which is now in its tenth year, was based on gym-friendly service practices like no costs to account for reinstatement or cancellations, comprehensive credit reporting flexibility, and no-cost amnesty programs. In Salt Lake City, the firm has all the usual collection instruments of vigorous phone and email campaigns.

Crunch Fitness, Gold's Gyms, Blink Fitness, VASA Fitness, and others are among their current clientele. Aldous & Associates is an ABC Financial Gold Partner, a Crunch Franchise, and Paramount Acceptance Preferred Vendor. When Aldous & Associates contact you, consider the following questions to beat them:

Is it true that I owe this debt?

When Aldous & Associates contact you claiming you owe payment on a debt, they are required by law to provide you with specific debt information. If the debt collector does not disclose that information at the initial contact, it must provide you with a written notice with that information within five days of the initial contact. But you can send a Debt Verification Letter asking for the following details:

  • The creditor's name
  • The debt amount
  • The debt collector will offer verification of the debt if you challenge it in writing within 30 days.
  • Name and address of the original creditor (if it differs from the present creditor) to receive within 30 days.

Send a debt dispute letter

Send a written request to Aldous & Associates "contesting" the debt if you believe you do not owe the debt. You have 30 days from the date you get the ‌information to dispute a debt or part of a debt. After you dispute the debt, Aldous & Associates are prohibited from calling or contacting you until they present you with written documentation of the debt.

Date your letter, keep a copy, and deliver the original to the debt collector. Sending the letter via certified mail is ‌a wise idea. You will have confirmation that the debt collector got your letter if you pay for a "return receipt. You can file a complaint with the Consumer Financial Protection Bureau (CFPB) online or by calling (855) 411-CFPB if you're having problems with Aldous & Associates (2372).

Is this a debt that appears on my credit report?

It's critical to understand the age of any genuine debts you owe. Because negative information on your credit reports, such as debt outstanding, is normally kept for seven years.

A late payment or a past due account will negatively influence your credit history. Payment history is the essential component in determining your FICO® and VantageScore. Therefore, delinquent accounts with a past balance can significantly negatively affect your ratings.

Americans can check each of their three credit reports for free once a year under the Fair Credit Reporting Act. You may check if you have any collection accounts by getting a copy of your free credit report from each of the major credit agencies — Equifax, Experian, and TransUnion. Remember, even if you pay off a debt that appears on your credit reports, it may appear as a paid collection on those reports for up to seven years. After the seventh-year mark, credit reporting organizations should automatically remove it from your credit reports.

What is the statute of limitations on this debt?

You can assess whether you still have a legal duty by looking at the age of your debt. Even though debt collectors threaten you, once the statute of limitations expires, they cannot prosecute you for collection unless the debt is revived.

The statute of limitations that a debt collection firm must follow is likely determined by your location and the sort of debt you have. According to the Consumer Financial Protection Bureau, most statutes of limitations last between three and six years, though they may last longer in other jurisdictions. Contact your state's attorney general's office for further information about debt collection laws in your state.

Will Aldous & Associates delete this debt from my credit report if I pay it?

The Fair Credit Reporting Act (FCRA) ensures that no inaccurate information is reported on your credit report. It allows you to contest any errors you find on your credit report.

If Aldous & Associates is listed on your credit record, they may offer to remove the debt from your report if you pay; this is known as "pay for delete."

Several states have passed legislation to provide an extra layer of safety to their citizens.

You may be allowed to add a state-law claim to your federal law claim if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, for example.

If you live in North Carolina and are being harassed by a debt collector, you may ‌negotiate a favorable settlement.

Here's how to contact Aldous and Associates

If you're trying to get in touch with Aldous and Associates, you can use the following contact information to get started. Give them a call or send them a letter at the following number and address:

Website: https://aldouslegal.com/
Headquarters: Holladay, Salt Lake City, Utah 84117, US
Telephone: (1) 385-388-8005

PLLC Aldous & Associates complaints

The Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau have received multiple complaints against Aldous & Associates, PLLC (BBB). Most complaints concern erroneous reporting, harassment, or failing to verify a debt. You may submit a complaint if you find yourself in any of these scenarios with a debt collecting firm. The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) give you a lot of consumer protections. For example, the FDCPA prohibits debt collectors from any of the following actions:

  • Calling before 8am or after 9pm
  • Using offensive, vulgar, or threatening language to collect a debt
  • Making threats to take legal action that they cannot take
  • Discussing your debt with your friends, family members, or coworkers
  • Calling you about the debt at your workplace
  • Using any manipulative or abusive tactics to collect a debt

If Aldous and Associates violated any of these regulations, you can complain to the Utah State Division of Consumer Protection. . See the Consumer Referral Guide for more information about Utah State's consumer resources. Concerns against collectors in any state should be directed to the Federal Trade Commission at www.ftc.gov or (877) FTC-HELP (877-382-4357). Complaints about any collector or other business should be directed to BBB complaints.

Respond to a debt lawsuit against Aldous and Associates

If Aldous and Associates has sued you for debt, the first step to beating them in court is to respond to the Summons and Complaint. Here are 3 tips you should following in making your Answer:

  1. Respond to each claim listed in the Complaint
  2. Assert your affirmative defenses
  3. File the Answer with the court, and send a copy to the plaintiff

Use SoloSuit's free Answer form to respond to your debt lawsuit.

Learn more about these three steps from SoloSuit's CEO, George Simons, in the video below. He breaks down each step in detail and offers more advice on how to increase your chances of winning your case:

Solosuit can help you with debt collection lawsuits

Debt collection disputes are simple to reply to using SoloSuit. It is a step-by-step web application that asks you all the questions you'll need to finish your answer. You can print the completed paperwork and mail it to the courts or pay SoloSuit to file it for you and have an attorney analyze the document.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court