Dena Standley | February 24, 2023
Summary: Is Alliance Collections on your neck asking you to pay a medical debt? SoloSuit will help you discover the best way to deal with them. You can stop their calls, make a settlement offer, or win the case in court.
Debt collectors can be excessively annoying, including Alliance Collections. They know the best stress-causing buttons to push to convince you to pay by borrowing again (often at high-interest rates) or using your life savings. It's even worse if you do not have these options available, and you may reluctantly file for bankruptcy.
Not today, because SoloSuit endeavors to help you deal with Alliance Collections without giving up everything. This article will discuss actionable methods you can use to get Alliance Collections off your back. But before we proceed. Have you requested Alliance Collections to validate the debt?
A Debt Validation Letter is sent after a debt collector contacts you about a debt. It asks the collection agency to verify the debt is yours. Once you send the letter, Alliance Collections should stop calling until they respond to your request. Learn more about drafting your Debt Validation Letter in the following video.
Alliance Collections Agencies, Inc. is a legitimate debt collection agency specializing in collecting outstanding debt in the healthcare sector. The company has been operating under different names and ownership for over sixty-five years. In 1999, three companies (Bonded Collections, Rapids Adjustment Company, and Wausau Creditors Service, Inc) merged to form Alliance Collections.
As with most debt collection agencies, Alliance Collections either collects pending debt for their healthcare clients or buys the debt at a tiny fraction of the original amount and then follows up on it as their own.
Below is Alliance Collections’ contact information:
Alliance Collection Agencies, Inc.
P.O. Box 1267
3916 South Business Park Avenue
Marshfield, WI 54449
Collections Department: (800) 215-1547
General Information: (715) 486-2100
Alliance Collections has received 25 complaints on their Better Business Bureau profile and over 100 complaints on the Consumer Financial Protection Bureau (CFPB) database. The complaints range from wrong debt entered in the credit report, harassment, refusal to validate debt, and talking to unprofessional agents. The following is an example from the CFPB database:
“Alliance Collections has attempted to collect a medical debt that is not mine. I would never consent to any company's access to my personal medical information without authorization. This company has sent me copies of medical statements and procedures, trying to validate a debt without a signed release form. The HIPAA Privacy Rule clearly states this is a violation of my rights.”
Once you submit a complaint on these and other official platforms, Alliance Collections are required by law to respond and fix the issue. If not, they risk being sued, and the court may order them to cancel your debt, pay non-economic damages, or have their license revoked.
Knowing your rights can help you protect yourself from unfair debt collection methods used by Alliance Collection Agencies.
Most consumers need to learn their rights when interacting with debt collectors. That's why collection agencies sometimes overstep their boundaries. The Fair Debt Collection Practices Act (FDCPA) empowers you with the right to expect fair treatment from debt collectors. These rules state that Alliance Collections should not:
If Alliance Collections commit any of these acts, submit a complaint on their BBB profile and CFPB website. You can also report them to the Fair Trade Commission website and your state’s attorney general's office.
Consumers may feel helpless when they receive a lawsuit from a debt collector. For instance, it may mean Alliance Collections could win the case and garnish your wages or gain access to your bank account. That is not always the case, and you can beat Alliance Collections even in court.
When sued, you should receive the court Summons and Complaint documents (usually in the mail, but sometimes delivered in person too). Respond to these documents within your state’s deadline to avoid losing automatically by a default judgment. To respond, you must file a written Answer into the case and serve the opposing attorney.
Use these three steps to respond to your lawsuit against Alliance Collections:
Below, we explain each of these steps in more detail. You can also watch this video to learn more:
The Complaint document lists all the claims that Alliance Collections is making about you and the alleged debt. In your Answer document, you should respond to each claim, in corresponding order, with one of the following answers:
Debt counselors and attorneys advise consumers to avoid admitting to all the allegations. You need to let the collection agency prove its case. If they do not have enough evidence, Alliance Collections may withdraw the suit or ask you to settle at a reduced amount. Denying a claim forces them to prove it.
This section allows you to explain why you are not liable for the debt. Some affirmative defenses you can use are:
These defenses may seem complex to explain in your Answer. Fortunately, SoloSuit has an Answer form that you can customize to your situation. Just respond to a few questions about your case, and SoloSuit’s software will convert your responses into the proper legal wording and format.
Filing your Answer on time is extremely important because the court does not accept documents after the deadline, meaning the case may favor Alliance Collections. Once you've completed the document, make three copies. Mail or physically take one to the courthouse where the creditor filed the case. Next, send the other copy to Alliance Collections lawyers and keep the last one in your records.
Now, let’s look at an example of how to beat Alliance Collections in court.
Example: Sebastian is being sued by Alliance Collections for a medical debt that he thought he already paid off. He goes online and finds SoloSuit, which he uses to draft and file his Answer to the lawsuit. In his Answer document, Sebastian denies almost all of Alliance’s claims and lists the paid off debt as one of his affirmative defenses. After a few weeks, Sebastian is happy to learn that the case has been thrown out.
You can negotiate for debt settlement at any stage of the collection process—even after being sued and filing an Answer to the lawsuit. A debt settlement offer asks Alliance Collections to consider taking a lower amount of the original debt. Many debt collectors are willing to settle for less.
However, you must pay the whole amount at once or in several installments. You can start the debt settlement negotiation process by sending an offer for free withSoloSettle. There is a great chance Alliance Collections will accept your offer, saving you money and stress.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it 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.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
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.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather