Dena Standley | October 19, 2022
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:
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:
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).
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.
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.
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.
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:
Headquarters: Holladay, Salt Lake City, Utah 84117, US
Telephone: (1) 385-388-8005
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:
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.
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:
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:
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.
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.
"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
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.