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How to Beat Alorica Inc.

Sarah Edwards | June 27, 2023

Edited by Hannah Locklear

Summary: Alorica Inc. is a customer service agency that partners with companies in various industries, including debt collection. Recently, Alorica purchased Expert Global Solutions, a collection agency based in Pennsylvania. SoloSuit makes it easy to respond to a debt lawsuit against Alorica and settle your debts once and for all.

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.

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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.

Example: Fred has an old credit card debt of $3,000 that Alorica is suing him for. Fred uses SoloSuit to file an Answer alleging that the amount of the lawsuit doesn’t agree with his records. Next, he uses SoloSettle to negotiate a settlement with Alorica, offering $1,500 in exchange for dropping the lawsuit and releasing him from the remainder of the debt. Alorica agrees, and SoloSettle transfers Fred’s settlement money to Alorica, helping him keep his financial information private and secure. Alorica drops the case and reports Fred’s debt as settled to the credit bureaus.


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.)

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