How to Beat Alorica Inc.

Sarah Edwards | June 27, 2023

Edited by Hannah Locklear

In the world of debt collection, things are constantly evolving. One significant change is the recent purchase of Expert Global Solutions by Alorica Inc. Expert Global Solutions was one of the nation’s largest debt collection firms. As its new owner, Alorica is now a major player in the collections industry.

Alorica is one of the largest call centers in the world. Aside from debt collection, its employees service various industries, including fintech, gaming, and subscription companies. Its headquarters are located at 5161 California Ave., Irvine, CA 92617. You can reach the company by phone at 1-866-256-7422.

If you’ve recently received a debt collection notice from Alorica, you probably didn’t know anything about the company. But even though it’s new to collections, Alorica is still subject to the same laws and regulations as other collection agencies.

Sued for debt? Use SoloSettle to settle your debts for good.

You have rights under the FDCPA

When you receive a debt collection notice from Alorica, it’s time to brush up on your knowledge of consumer rights.

The Fair Debt Collection Practices Act (FDCPA) provides you with certain privileges regarding debt collection. In addition, under the FDCPA, debt collectors must refrain from actions that are deceptive, misleading, abusive, or harassing.

Your first order of action is to ask Alorica to validate your debt. That doesn’t mean you call a customer service rep to strike up a friendly conversation. Instead, you’ll need to draft a formal Debt Validation Letter.

Under the FDCPA, you have 30 days after you initially receive a communication from the collection agency to request debt validation. Once Alorica gets your letter, it must prove that you owe the debt or cease its collection efforts.

In your debt validation letter, you’ll want to ask for the following:

• Proof you owe the debt.
• The chain of ownership between the original creditor and Alorica.
• The amount of the debt.
• Proof that the debt is still within your state’s statute of limitations.
• Alorica’s collection license number for your state.

A Debt Validation Letter requires Alorica to prove it owns the debt. You’ll also learn how long you have until the debt exceeds the statute of limitations.

If Alorica doesn’t respond to your request, then it’s case closed: Alorica can no longer chase you or continue its collection efforts.

Need drafting your Debt Validation Letter? SoloSuit’s got you covered.

Pay attention to how Alorica communicates with you

Once Alorica gets hold of your account, it won’t just send you letters; it will also call you. Sometimes, it may text you, too (oh, joy!).

The FDCPA prohibits debt collectors from harassing or abusing you in their communications. A few things to look out for include:

• Calling you from different phone numbers throughout the day.
• Letting your phone ring off the hook.
• Contacting you at weird hours, like 6 a.m. or midnight.
• Telling you it will take an action it doesn’t have the right to, like seizing your house.
• Calling your family members, work colleagues, and old friends from preschool to tell them you owe a debt.
• Putting up a sign in your neighborhood notifying anyone who drives by that you’re behind on your bills.
• Tell you it will follow you wherever you go until you pay the debt, like Joe in You. (umm, yikes).

While some of these examples are a little over the top, they’re there to inform you that a debt collector cannot push you around. If you feel you’re being harassed, you probably are. File a complaint immediately with the FTC and the Better Business Bureau.

If Alorica decides to sue you, don’t ignore it

You’ll know that Alorica is taking things to the next level when you receive a Court Summons in the mail. Attached to your Summons will be a copy of Alorica’s Complaint. The Complaint will list the amount you owe and any additional pertinent information about your account.

Read the Complaint carefully to see if there are any errors that you can use to your benefit. For instance, if the amount that Alorica is suing you for doesn’t match your records, that’s important. You can use it as a defense in the case.

Next, you’ll want to write an Answer and submit it to the court and Alorica. An Answer is your formal response to the debt collector’s Complaint. It will include any defenses you have to the lawsuit.

Even if you don’t have a solid defense, you’ll still want to draft an Answer. Your Answer will prevent Alorica from obtaining a default judgment against you. Instead, the judge will listen to your testimony before deciding on the claim’s outcome.

Respond to a debt lawsuit against Alorica in minutes with SoloSuit.

Settle your debt with Alorica Inc.

After you file your Answer, you have two options to resolve the debt before your court date: repaying or settling the debt.

Repaying the debt stops the lawsuit since there’s no longer anything to sue you for. However, if you don’t have all the money to repay the debt, you can offer Alorica a settlement instead.

Let’s consider an example.

SoloSettle, powered by SoloSuit, can help you settle your debts once and for all. As a tech-based approach to debt settlement, you can use SoloSettle to settle debt on your own by using its software to send and receive settlement offers until you reach an agreement with Alorica Inc.

Once an agreement is reached, SoloSettle helps you manage the settlement documentation that should be filed into your debt lawsuit case.

Plus, you won’t have to worry about your financial information being compromised, because SoloSettle will transfer your payment to the collector on your behalf, keeping your financial information private and safe.

To learn more about how to settle a debt with Alorica watch the following video:

Don’t let Alorica beat you in court — you got this!

While debt collection notices are never fun to deal with, it’s essential to remember that you have rights and protections under federal and state laws. Just because a debt collector like Alorica says you owe a debt doesn’t mean it’s true. Follow our guide, and you can move on from a frustrating experience, free from Alorica’s letters and calls.

Do you need help settling a debt with Alorica? SoloSettle can handle the process for you — try it out today!

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.

>>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.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

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