Start My Answer

How to Respond to AAA Collections

Sarah Edwards | November 14, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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.

Summary: If AAA Collections has contacted you about a debt, these five steps will help you respond and resolve it: report FDCPA violations, respond to a debt lawsuit with an Answer, validate your debt, negotiate a debt settlement, and get your agreement in writing. SoloSuit can help you with all these steps and more.

Few things are as nerve-racking as being contacted by a debt collector. So, if you’ve been contacted by AAA Collections, you’ll want to work quickly to reach a settlement and resolve your debt once and for all. Here’s how to respond to AAA Collections.

If you’ve received a Court Summons for a debt collection lawsuit, watch this video to learn how to respond:

What is AAA Collections, Inc.?

AAA Collections in Sioux Falls, South Dakota, is a group of debt collection companies that specialize in the accelerated recovery of debts—typically medical debts. In case you’re wondering, this is a completely different company from the more well-known “Triple-A” — the American Automobile Association.

Instead, AAA Collections, Inc. (also known as Advanced Asset Alliance) partners with companies spanning multiple industries to collect on outstanding consumer debt.

If you’ve been contacted by AAA Collections, the company is seeking payment on a debt you may owe. Although AAA collects mostly medical bills, it also handles debts from multiple industries, including credit cards, loans, etc.

Contact AAA Collections

AAA Collections is located at 3500 S. First Ave. Circle, Suite 100, Sioux Falls, SD 57105; below is a photograph of the company’s office building:

The AAA Collections phone number is 605-978-9660, but you can also contact the company by email at clientservices@aaa-coll.com.

Is AAA Collections a scam?

AAA Collections is a legitimate collection agency. It can also report you to a credit bureau if your debt goes unresolved. However, its reputation is mixed. As of October 2023, the Better Business Bureau records 17 customer complaints against the company, and another 27 complaints are listed in the Consumer Financial Protection Bureau’s database.

Many complaints allege that AAA Collections contacted individuals about debt that was not legitimate. That’s why it’s important to validate your debt as one of your first steps before seeking to resolve it.

Here’s an example of a real complaint against AAA Collections:

“I received a notification that they allegedly owned a debt of mine. I responded within 30 days letting them know that I did not owe anything and to stop harassing me. They continued to harass me without any attempt at showing the debt was valid. I told them, yet again, that I didn't owe anything and the other person let me know that he didn't actually care if I owed money or not, he was just looking to extract money from me. Now, they're showing ownership of the alleged debt, with a date that clearly indicates that they were harassing me before they even owned this alleged debt.”

AAA Collections reviews

AAA Collections has an average rating of 1.5 out of 5 stars with Google reviews. This means that most consumers do not like dealing with the company.

Resolve your debt with AAA Collections in 5 steps

Resolving your debt may be easier than you realize. But you need to proceed strategically to reach a settlement agreement that you can live with. Here’s how to respond to debt collectors and move toward a lower settlement.

1. Report FDCPA violations

AAA Collections may be a legitimate company, but it is still bound by the law. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from aggressive collection practices that include:

  • Calling you before 8 a.m. or after 9 p.m.
  • Failing to identify themselves as a debt collector.
  • Contacting you more than once per day.
  • Declining to validate your debt.
  • Threatening you with arrest for not paying your debt.
  • Using offensive, vulgar, or intimidating language.
  • Contacting your friends, coworkers, or family members about your debt.

Has a representative of AAA Collections violated any of these rules? If so, you can report them to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. Violations can also be reported to the Consumer Financial Protection Bureau through its website or by calling 855-411-2372.

2. Respond to a lawsuit with an Answer

If you’re being sued over past debt, you need to act fast. If you don’t file an Answer with the court, the judge may render a default verdict in favor of AAA Collections. This default judgment may even include legal fees, debt collection fees, or other costs, and you’ll lose your opportunity to negotiate a lower settlement.

SoloSuit makes it easy to draft and file a legal Answer. That’s good news because you may have as little as two to four weeks to file an Answer before you’re faced with a default judgment.

Let’s look at an example of how to resolve a debt with AAA Collections.

Example: Tyler had been ducking AAA Collections for weeks. But that plan fell apart when he received notice of a debt collection lawsuit. Tyler had to act fast. Thankfully, he found SoloSuit and was able to follow the prompts to draft his Answer and file it before the deadline. As a result, Tyler bought some time to verify that the debt was legitimate and work toward negotiating a lower settlement to resolve his debt completely.


Start using SoloSuit today to draft and file your Answer.

3. Validate your debt

How can you know for sure that the debt is even yours? Request that AAA Collections send you a Debt Validation Letter. In this letter, you should find information that includes:

  • Your original creditor’s identity.
  • The age of the debt.
  • Evidence that connects you to the debt.
  • How much you owe on the debt.
  • The date of your last payment (if applicable).

AAA Collections must also provide you with licensing information that validates its right to operate within your state.

4. Negotiate a settlement

If AAA Collections can’t prove that the debt is yours, you may be able to fight the lawsuit in court. Otherwise, your best option is to negotiate a lower settlement amount. After all, many debt collection agencies prefer accepting a lower amount over facing a lengthy legal process.

You can use SoloSettle to offer to pay a portion of the total debt — 60% is a good place to start. AAA Collections may not agree to this number, but it will probably present a counteroffer. You can go back and forth until you find a mutually agreeable settlement.

Get the negotiation process started with SoloSettle.

5. Get your settlement in writing

Always get your settlement agreement in writing. Otherwise, you run the risk of debt collectors seeking a default judgment anyway. The SoloSettle app will provide documentation that your debt has been settled for the agreed-upon amount.

Don’t forget to save any additional correspondence with AAA Collections. This includes emails, letters, and other documents that demonstrate a negotiation process. Documenting everything will give you an added layer of protection from dishonest debt collectors.

Sued for debt? Here's how to draft a winning Answer

Now that we've covered the steps you should take to respond to your lawsuit, let's explore how you can draft the strongest Answer possible. Here are some quick tips on how to draft a winning Answer from a real attorney:

Get out of debt and get on with life

Don’t feel paralyzed by massive debt. Take each step one at a time and work toward negotiating a settlement. SoloSuit can help you draft an Answer and start the negotiation process to settle your debt quickly and at a price you can afford.

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


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