Start My Answer

How to Beat Eastern Account System

George Simons | August 16, 2022

Beating Eastern Account System feels like ^^

Summary: Is Eastern Account System suing you for a debt? SoloSuit can help you take a stand and win in court.

If you were contacted by a debt collector with Eastern Account System, or you were recently served with a debt collection lawsuit by this debt collector, do not give up hope or raise the white flag of defeat. You have powerful legal rights and statutory protections that can be used to beat Eastern Account System in court.

What is Eastern Account System?

Eastern Account System, Inc., is a debt collection agency based in Danbury, Connecticut. The company generally provides debt collection services to businesses in the following industries:

  • Cable companies
  • Financial institutions
  • Healthcare providers and hospitals
  • Property management companies
  • Credit card companies
  • Utility companies

In some instances, this company purchased a debt from a different creditor (i.e. a credit card or loan company). This typically means Eastern Account System paid pennies on the dollar, sometimes 1/10th of the original cost, to purchase the debt in the hopes of recovering some, or all, of the amount owed. So when a consumer pays off a debt in full to Eastern Account System, the company makes a huge profit. This is why you should consider all your options—and rights—before making any payments to Eastern Account System.

Here's everything you should know.

Eastern Account System debt collectors may have violated the FDCPA

The rules and regulations listed in the Fair Debt Collection Practices Act (FDCPA) are designed to help protect you and the general public from being harassed and subjected to unethical collection tactics by overly aggressive debt collectors. If you are being hounded by a debt collector with Eastern Account System, there is a good chance they may have violated a provision of the FDCPA.

The Fair Debt Collection Practices Act (FDCPA) is a federal law establishing what debt collectors can, and cannot, do in their efforts to recover on a debt. For example, the FDCPA states that debt collectors are not allowed to harass debtors or use any unfair means to collect their debt.

Unfortunately, many debt collectors are notorious for ignoring the rules and regulations outlined in the FDCPA. This is why you need to gain an understanding of your rights and protections under this federal law.

Under the FDCPA, Eastern Account System is prohibited from:

  • Making calls to you while at work if your employer does not allow calls during working hours.
  • Making calls to you at odd hours.
  • Talking to another person other than your lawyer or spouse about your debt.
  • Threatening to arrest you if you fail to pay the debt.
  • Threatening to seize your property if you fail to pay unless they have a warrant.
  • Using obscene language and threats against you.
  • Stating a different amount of the debt other than what you owe.
  • Making any false allegations about the debt.

If Eastern Account System violates any of these guidelines, you can use it as evidence in your defense in court within one year. The violation does not count as evidence after one year.

A successful ruling may have you compensated for damages. If there is no proof of damages, you may be awarded up to $1,000 and any court and attorney fees reimbursed.

Use SoloSuit to respond to debt collection lawsuits in 15 minutes.

Eastern Account System has received many complaints

If you are frustrated with Eastern Account System, you're not alone. As of 2022, the company has received hundreds of formal complaints. On its BBB profile, Easten Account System has received 148 complaints in the past three years. Even worse, 836 complaints have been filed against Eastern Account System on the Consumer Financial Protection Bureau's complaint database.

These complaints mention several questionable debt collection practices used by Eastern Account System, such as:

  • Calling friends and families to discuss someone else's debt.
  • Failing to provide proof of the debt in question.
  • Reporting incorrect information to the credit bureaus.
  • Ignoring requests for debt validation.
  • Failing to notify someone of a collection attempt before reporting to the credit bureaus.
  • Refusing to remove a negative credit report, even after the consumer paid off the debt.

Let's take a look at a real example.

Example: One consumer, we'll call her Jane, received non-stop calls from Eastern Account System. The calls became so frequent, that eventually the company started to call Jane's mother to discuss the debt with her. Jane reached out to the Eastern Account System through several methods of communication asking for verification of the debt, and the company never responded.

If you feel you have been treated unfairly by Eastern Account System, you should submit a complaint to the Better Business Bureau. If the behavior was a clear violation of the FDCPA, report your experience to the FTC, CFPB, and your state's attorney general.

Get every communication with Eastern Account System in writing

Many debt collection agencies misrepresent information as a tactic to push the debtors into honoring their debts. Some claims are often made through a phone call.

As a result, it is difficult for a debtor or court to hold debt collectors accountable for undocumented claims. You must request the collection company to make every claim in writing. FDCPA requires that official communication from the debt collectors be done through the U.S mail system.

You have a right to ask Eastern Account System to mail you an official communication. If they ignore this request, you may be able to defend yourself in court, citing their lack of response.

Make the right defense the right way with SoloSuit.

Ask Eastern Account System to provide proof of debt

Eastern Account System buys charged-off debts that may have lost track of the details of the debt, especially if the debt has moved from one collector to another. You may challenge Eastern Account System to disclose more information, such as the original creditor, the amount owed, the procedure for disputing the debt, and proof that the debt has not been cleared.

If they do not provide those details within 30 days, you can dispute the debt claims. Eastern Account System cannot pursue your case and use any debt collection tactics against you until they provide the requested information.

If they ignore your request and go ahead with filing a lawsuit, you can file a small claim action against them in a state court. You will need to provide the following evidence for your case:

  • A mailed letter to Eastern Account System requesting the information.
  • Proof that the letter was delivered to Eastern Account System and received.
  • Failure by Eastern Account System to provide the information within the stipulated 30 days.

Respond to a debt lawsuit against Eastern Account System

If Eastern Account System is suing you for a debt, you should have received some legal documents in the mail called the court Summons and Complaint. The Summons notifies you of the lawsuit, and the Complaint lists the specific claims that Eastern Account System is making against you. The first step to winning your case is to respond to the Summons and Complaint by filing a written Answer. Here's how.

Follow these three steps to respond to a debt lawsuit against Eastern Account System:

  1. Answer each claim listed in the Complaint document: The first and most important section of your Answer should focus on responding to the claims listed in the Complaint document. You can admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible.
  2. Assert your affirmative defenses: An affirmative defense is any legal reason that Eastern Account System's case in inavlid. A common affirmative defense to mention in a debt lawsuit case is the statute of limitations on debt. If the statute of limitations on a debt has passed, the Eastern Account System cannot sue you for the debt. There are several other affirmative defenses you can bring up to strengthen your side of the case.
  3. File the Answer with the court, and send a copy to Eastern Account System: After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it, via USPS certified mail, to the attorneys representing Eastern Account System.

Use SoloSuit to represent yourself and draft an Answer in minutes.

To learn more about these three steps, check out this video:

What to do if you are sued by Eastern Account System

We've covered a lot here, but here's a quick overview of what to do if you get sued by Eastern Account System and how you can beat them in court:

  • Take careful notes when you receive phone calls before 8:00 am or after 9:00 pm. Debt collectors are prohibited from calling you before or after regular business hours. They also cannot call you at work or use foul language.
  • Be sure to file an Answer to the debt collection lawsuit within the proper time frame.
  • In the Answer, you should consider raising at least one affirmative defense, such as the company violated the FDCPA. Also, demand that ERSolutions prove that you owe the amount they say. They also need to prove you are the person who owes the debt.
  • Consider filing a counterclaim if you think they violated the FDCPA.

These are effective methods for how to beat Eastern Account System in court.

Good luck!

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

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


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 or are just looking for support, we're here for you.


Ask a Question


>>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.


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