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How to Settle Debt With American Coradius International

George Simons | January 31, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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.

Summary: Is American Coradius International suing you for a debt? Here's SoloSuit's guide on how to respond effectively and take proactive measures to resolve your debt issue.

American Coradius International (ACI) is a financial service agency that frequently represents banks and finance companies. ACI is a third-party debt collection agency, which means that it is required to abide by the Fair Debt Collection Practices Act (FDCPA). This is a federal law that protects consumers from abusive debt collection tactics.

If you are being contacted by ACI, then you need to learn your consumer rights and the steps necessary to effectively engage with American Coradius International to reach an amicable resolution to your debt issue. Keep reading to learn how to negotiate with debt collectors to settle debt for less.

Settle debt with American Coradius International

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

Who is American Coradius International?

American Coradius International LLC is a financial services agency based in New York. It provides first-and third-party debt collection services.

Who does American Coradius International collect for?

ACI is known to collect often for PayPal and other large companies operating in different sectors of the economy.

Read American Coradius International reviews online

If you want to know what consumers have said about their experience and interactions with American Coradius International regarding the debt collections process, then consider these reviews:

Despite the fact that some online reviews for American Coradius International are not positive, there are many other reviews that show consumers can have a positive experience communicating with ACI collectors and can amicably resolve their debt issue. Let’s consider the online review of a borrower named Sandy:

“They sent me a bill for an account I never had. My credit score is near perfect. I later found someone stole my identity and they were very patient and understanding of the situation.”

Sandy’s experience indicates that debt collectors with ACI are willing to work with you to address your concerns, whether you’re a victim of fraud or the debt is valid and you want to settle. The key to negotiating a debt settlement is communicating, and American Coradius International debt collector will help you set up a payment plan that works for you based on your current financial situation.

Of course, many people wince at the idea of calling a debt collector to negotiate a debt settlement. This is why you should consider using SoloSettle to negotiate online and resolve your debt collection matter through the digital settlement platform.

How to negotiate with American Coradius International

With the help of the aforementioned SoloSettle, you can take proactive steps to try and negotiate a debt settlement where you wind up only paying a portion of what is actually owed. Many debt collectors, including collectors affiliated with ACI, may be amenable to accepting a settlement for an amount less than what is owed. Here are some recommended steps to try and settle your debt with ACI:

  1. Respond with a written Answer. If a debt collection lawsuit was filed, make sure to timely file an Answer so you don’t get hit with a default judgment by the court. A default judgment would likely hinder any productive settlement negotiations.
  2. Assess how much you can reasonably afford to pay toward the debt. Use the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Make a reasonable settlement offer to American Coradius International. Make sure that the offer is less than the maximum amount you are able to actually pay. Anywhere from 45% to 60% is typically a good place to start.
  4. Be prepared to go through multiple rounds of negotiating. Most debt collectors don’t accept the first settlement offer, but don’t get discouraged. Keep communicating, and you’re bound to work out an agreement.
  5. When you reach a debt settlement agreement, get the terms in writing. A documented settlement agreement will prevent future issues and protect your rights should the matter escalate to legal action.

SoloSettle can help you negotiate with American Coradius through a digital settlement portal where you can send and receive offers until you reach a resolution. No phone calls are necessary, and the SoloSettle software helps you assert and defend your legal rights when engaging with debt collectors.

Settle with SoloSettle

Make an Offer

To learn more about these tips and others that may assist you on your settlement efforts with ACI, watch the following interview with a consumer rights attorney who shares the best tips for negotiating debt settlement with collectors:

Engage with American Coradius International in court

Know your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to all third-party debt collectors. Every consumer is protected under the FDCPA, which means that every consumer is protected from abusive debt collectors.

If you are being sued for debt, then the most important thing you can do is educate yourself on your rights. Because the Fair Debt Collection Practices Act protects you from a wide range of predatory behavior from third-party collectors, it is essential you understand what is allowed, and what is not.

American Coradius International is violating the FDCPA if they:

  • Continue contacting you about a debt that you have disputed without providing a verification of the debt
  • Call you before 8 am or after 9 pm
  • Try to contact you at work if they know your employer prohibits such communication
  • Use threats of violence or other crimes in order to persuade you to pay the debt
  • Damage your reputation, or threaten to damage it, in order to collect the debt
  • Use other obscene language or profanity with the intent to abuse
  • Call you excessively with the intent to annoy, abuse, or harass
  • Falsely represent themselves as attorneys, or falsely represent the debt in terms of amount, legal status, and character
  • Discuss the debt with anyone other than you, your spouse, your attorney, or the creditor

If something about the collection efforts of American Coradius International feels wrong to you, look over the whole list of prohibited actions under the FDCPA before taking any further action.

What happens in court

If American Coradius International is suing you, you should have received a legal notice called the Summons and Complaint. The Summons notifies you that you're being sued, while the Complaint lists the specific allegations that ACI is making against you.

Many Summons will list a court date. Although going to court is never ideal, it's important that you show up for any hearing or trial listed in the Summons. Failure to appear can result in a default judgment entered against you, which can lead to serious financial complications like wage garnishment. While you can't go to jail for not paying your bills, it can affect your life tremendously if you do not go to court.

Always respond to a debt lawsuit

When it comes to any type of debt collection lawsuit, it is essential that you respond to the lawsuit. If you do not respond, you will have a default judgment placed against you. This is very serious, as it can result in wage garnishment, seizure of property, and other issues

The first step to responding to a debt lawsuit is filing a written Answer with the court and sending a copy of it to ACI's attorney. Finding an attorney to represent you can be expensive and challenging, but you can represent yourself in court by drafting your own Answer with Solo’s help.

Solo can help you file an Answer in all 50 states.

How to prepare for court

When preparing for your court date you should write down all of your interactions with American Coradius International. For example, you might have had the agency threaten you, or even impersonate law enforcement on a voicemail. Keep this and all correspondences with ACI in writing so you can present it to the courts.

You can also use Solo’s Answer as a guide while responding in court.

Debt lawsuit flowchart

Check out Solo’s handy flowchart on all possible routes that a debt collection lawsuit can take:

Always respond to a debt lawsuit

When it comes to any type of debt collection lawsuit, it is essential that you respond. If you do not respond, you will have a default judgment placed against you. This is very serious, as it can result in wage garnishment, seizure of property, and other issues.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

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Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

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Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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