Start My Answer

How to Beat Alliance Collections

Dena Standley | February 24, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

When you beat Alliance Collections in court ^^

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.

What is Alliance Collections, and how does it work?

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

Complaints against Alliance Collections

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.

Exercise your rights when Alliance Collections contacts you

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:

  • Scare you with arrest or jail time
  • Threaten to take crucial documents or cause harm
  • Phone you many times about the same debt
  • Harass your loved ones because if your debt
  • Speak arrogantly or rudely to you
  • Fail to respond to a Debt Validation Letter

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.

Steps to respond to Alliance Collections lawsuit

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:

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

Below, we explain each of these steps in more detail. You can also watch this video to learn more:

1. Answer each claim listed in the Complaint

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:

  • Admit: You agree with Alliance Collection’s claims.
  • Deny: It forces Alliance Collections to prove the allegation they’ve made is true.
  • Deny due to lack of knowledge: You don’t know if the claim is true or false.

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.

Respond to your lawsuit against Alliance Collection online in minutes.

2. Assert your affirmative defenses

This section allows you to explain why you are not liable for the debt. Some affirmative defenses you can use are:

  • Alliance Collections did not prove the original creditor passed the debt to them.
  • The debt was canceled or paid off.
  • The statute of limitation applies to the debt.
  • The debt information is inaccurate.
  • You are a victim of identity theft.

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.

Make the right affirmative defense the right way.

3. File the Answer in court, and send a copy to Alliance Collections

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.


Settle your debt with Alliance Collections

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.

What is SoloSuit?

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.

Respond with SoloSuit

Get Started

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

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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.


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 are are just look for support, we're here for you.


Get Started

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

Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"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



Get Started