Start My Answer

How to Beat AWA 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 AWA Collections in court ^^

Summary: AWA Collections uses skip-tracing to locate consumers. Then, armed with credit reporting, it scares you into paying alleged delinquent accounts. If you are not careful, AWA collectors can pressure you into restarting the clock on the statute of limitations. You can use SoloSuit to fight AWA Collections in and out of court—and win.

Although debt collection phone calls can be annoying, a ruined credit report is worse. AWA Collections knows that consumers will do anything to protect their credit scores.

By reporting, they hope to pressure you to pay in a hurry, sometimes without the full details of the account. But worse, collections make consumers panic, reacting in ways that can harm them further, like renewing zombie debts. In the company's own words, they “use credit reporting to compel (consumers) to make payment.”

But you can outwit AWA at their game. SoloSuit provides all the help you need.

Who, though, is AWA Collections? And how do consumers feel about the company?

Is AWA Collections legit?

Adler Wallach Associates, Inc (AWA Collections) is a debt collection agency, operating since August 1993. It is a legitimate third-party debt collector.

AWA Collections specializes in accounts receivables, skip-tracing, asset investigation, and credit reporting. In other words, they help credit providers track consumers, determine whether to pursue them, make collection calls and report delinquent accounts to credit bureaus.

The company works for almost every industry. It collects for:

  • Bank cards and financial institutions
  • Healthcare
  • Telecommunications
  • Utilities
  • Retail/Commercial
  • Government

So it is possible to hear from AWA Collections whether you have late medical bills, gas bills, or taxes.

AWA Collections has headquarters at 1045 W Katella Ave STE 230 Orange, CA 92876-3561. Its post office address is P.O. Box 6605 Orange, CA 92863-6605.

You can contact AWA Collections on the phone at 888-771-3690.

As of November 2022, AWA is not BBB accredited.

AWA Collections reviews and complaints

It's no secret that AWA is not a consumer favorite. It has an average 1-star review on its Better Business Bureau (BBB) profile. The BBB itself gives it an F, the lowest possible rating. The response rate to customer complaints is below expectations at just 29%.

As of 2022, AWA Collections has received 95 complaints on its BBB profile in the last three years. Similarly, the CFPB has reported 176 complaints against Adler Wallach & Associates over the past ten years.

Here’s a real example of a complaint against AWA Collections, pulled from its BBB profile (edited for clarity):

“In May 2022, I received a letter stating that this account was in delinquency. I have never ever received anything from AWA Collections ever. I’m not the main account holder. By the time they mailed me the letter, they had already reported a delinquency on my credit report. They have never sent a bill nor called me. They never even went after the person whose debt it is. I sent out a letter of dispute back in July, and they never answered me. I even tried to call and they hung up in my face. They won't send me any verification of the debt nor will they even acknowledge me. They never contacted the person to whom the debt belongs. They have not documented proof of them trying to contact me. They have changed my credit report twice with no notice of anything.”

This complaint suggests that AWA Collections has violated the FDCPA on several counts, namely in its failure to validate the debt upon request. From all these complaints, it’s clear to see that, consumers disagree with AWA’s claim that it employs “compassionate collectors.”

As shown by the CFPB complaint above, AWA Collections makes mistakes. Some of these are honest, while others may be the company's trick to manipulate you. Whatever the case, you can defend yourself against AWA's illegal practices.

What are your FDCPA and FCRA rights?

We have explained the Fair Debt Collection Practices Act (FDCPA) in everyday language in our blog for everyday consumers to understand.

In summary, debt collectors must follow these rules under federal law:

  • Debt collectors cannot send you postcards to try and publicize your debt.
  • Debt collectors must identify themselves and identify you when they call.
  • Debt collectors cannot harass you with endless or odd-hour calls.
  • A debt collector cannot scream profanities at you or call you demeaning names.
  • Debt collectors cannot threaten to harm you or a family member.

You can find a more extensive explanation on the Fair Trade Commission's (FTC) website.

The Fair Credit Reporting Act (FCRA) also regulates how and what debt collectors can report to credit reporting agencies (CRAs).

For example, FCRA Section 623 (a) (1) (A) states that “A person shall not furnish any information...if the person knows, or has reasonable cause to believe that the information is inaccurate.”

You have the right to dispute any wrong information in your credit report. Contact each bureau that reported the error and ask them to rectify it. Also, reach out to AWA and ask them to either validate the debt or stop furnishing it.

You can find each of the three major bureaus' dispute contacts on their websites.

Technically, the law allows debt collectors to report collections to the bureaus without notifying you first. The only way to stay current is to check your information regularly. All agencies offer one (sometimes more) free report every year here.

Also, check whether the statute of limitations has expired on an account and take care not to resurrect any zombie debts.

Send a Debt Validation Letter to AWA Collection to avoid a lawsuit

You can prevent a lawsuit by using the Debt Validation Letter. AWA Collections acquires debts at all stages and may lose valuable information on an account. Asking AWA to validate each debt can stop collections if they cannot verify the debt.

Many debt collectors give up after receiving a Debt Validation Letter, because they simply cannot validate the debt they’re trying to collect. Because of this, a Debt Validation Letter is a great tool to get debt collectors off your back and move on with your life.

What can I do if AWA Collections sues me?

If your collection account goes to the courts, you can still win the lawsuit. The secret is to respond to the Summons.

Many consumers ignore the Summons, thinking the case will disappear because they are innocent. But that is not how lawsuits work.

Failure to file your Answer at the court can earn you a default judgment, and the debt collector may get permission to garnish your wages, place liens on your property, or freeze your bank accounts.

Even though responding to a lawsuit may seem complicated, it is straightforward.

Follow these three steps to respond to a AWA Collection lawsuit:

  1. Answer every claim: The Complaint tells you why AWA is suing you. The document has a list of claims. You should answer each claim independently. State clearly whether you agree, deny, or deny for lack of knowledge.

  2. Assert your affirmative defenses: Tell the court why you should win the case. For instance, mention if the collection is the result of identity theft.

  3. File the Answer with the court and AWA's lawyer before the deadline: You have 14-35 days, depending on your residence. Check the Summons for how much time your lawsuit allows. SoloSuit can file for you. If you file for yourself, be sure to use certified mail so you can track the letter. Remember to keep a copy for your reference.

Use SoloSuit to draft and file your Answer in minutes.

You can learn more about these three steps in this video:

Now, let’s consider an example.

Example: When Juan received a court Summons to appear for a debt collection lawsuit, he felt defeated. He searched the internet to find help and stumbled on SoloSuit. After watching a few of SoloSuit's YouTube videos, Juan felt confident to face the challenge. He used SoloSuit to draft and file an Answer with the court and the debt collector's attorney. To his surprise, the debt collector withdrew the case because they realized they could not win for lack of evidence to prove their claims. SoloSuit helped Juan get his life back.

The most prevalent claim against AWA Collections is wrongful credit reporting. And it is no wonder because when they start tracking you down, AWA's skip-tracing agents “keep their eyes on the prize"—your money.

This article has shown you how to beat AWA Collections by knowing your rights, using the Debt Validation Letter, and responding promptly to a lawsuit. Winning against any debt collector starts with SoloSuit.

Settle your debt with AWA Collections..

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