Dena Standley | February 24, 2023
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?
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:
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.
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.
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:
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.
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.
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:
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.
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