Start My Answer

How to Resolve a Debt with Kenneth Eisen and Associates

Sarah Edwards | September 08, 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: A debt collection notice from Kenneth Eisen and Associates is a cause for concern, especially if you’re unsure how to address it. SoloSuit can help you request a debt validation, respond to a debt lawsuit, and settle your debt before your court date. Keep reading to learn more.

Are you feeling the heat from a debt collection notice from Kenneth Eisen and Associates? If so, you’re not alone. According to Urban Institute, over 70 million Americans have debts in collections. That’s pretty astounding and signals that many people face financial problems every day.

Receiving a collections notice from a debt collector is never fun, but there are steps you can take to resolve the issue and move on from it. In this article, we’ll specifically address debts held by Kenneth Eisen and Associates.

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

Settle with SoloSettle

Make an Offer

What you need to know about Kenneth Eisen and Associates

Kenneth Eisen and Associates is a debt recovery service that collects many obligations, including credit cards, medical debts, overdue cell phone bills, and rental obligations. According to their website, they’ve been in business since 1992. This debt collection agency is an ACA International and the Arizona Collectors Association member. It’s unclear if the company has the right to collect debts outside of Arizona or if they practice only within the state.

Kenneth Eisen and Associates’ BBB rating is A+ even though it is not accredited by the Better Business Bureau. On its BBB profile, there are several reviews of the company, all of them negative.

The Consumer Financial Protection Bureau has received several complaints against Kenneth Eisen & Associates from consumers who feel like their rights have been violated by the law firm’s collection practices.

Most complaints cite Kenneth Eisen and Associates failing to validate a debt upon request and being rude or argumentative at times. One consumer alleged they receive up to ten phone calls daily from the company, which is illegal per the Fair Debt Collections Practices Act (FDCPA).

Knowing your rights under the FDCPA can help you prevent a lawsuit and also defend yourself effectively if a case has already been opened against you. Keep reading to learn more about your consumer rights.

Kenneth Esien & Associates must follow the FDCPA

The FDCPA protects you from unfair, abusive, and aggressive debt collection tactics. Under the FDCPA, Kenneth Esien and Associates cannot:

  • Call you before 8 a.m. or after 9 p.m.
  • Call you at work when your employer prohibits such communication
  • Tell your family or friends that you owe a debt
  • Continue to contact you when you have explicitly asked them not to
  • Take actions considered harassment or abuse under the FDCPA
  • Claim they will sell your debt in order to coerce you to pay
  • Cause your phone to ring repeatedly with the intent to annoy
  • Fail to disclose that they are a debt collector
  • Make false claims about who they are
  • Threaten to seize your house or other property
  • Threaten to take legal action that they cannot, or do not plan to, take

Pay close attention to how Kenneth Eisen & Associates communicates with you. If their actions are FDCPA violations, protect your rights and file a complaint with the FTC.

Also listed under the FDCPA is your right to have your debt validated. If you suspect any part of the alleged debt is inaccurate, consider sending a Debt Validation Letter to request proof that the debt is real valid.

When you received a debt notice from Kenneth Eisen and Associates, make them validate it

Opening your mailbox to find a letter from Kenneth Eisen and Associates probably won’t be a highlight of your day, but you’ll want to read it rather than simply throwing it away. Your notice should include some specific information, like the name of the original creditor and the amount you allegedly owe.

It’s a mistake to take the notice for granted and pay the bill, even if you recognize the debt. Under the FDCPA, you can ask a collection agency to validate the debt. Validating a debt ensures the company has the right to collect money from you and that you truly owe the obligation.

In your Debt Validation Letter to Kenneth Eisen and Associates, ask for the following:

  • The last transaction made on your account with the original creditor.
  • A copy of the contract between you and the creditor.
  • Proof that Kenneth Eisen and Associates now owns your debt.
  • List of any additional interest and fees added to the initial debt.
  • A calculation of the debt’s age compared to your state’s statute of limitations.
  • Kenneth Eisen and Associates license number for debt collection in your state.

Sending a Debt Validation Letter helps even the footing between you and the company. Kenneth Eisen and Associates must supply you with the appropriate information before they can continue any collections activity.

If the organization validates your debt, you can either repay the bill, try to settle it, or set up a payment arrangement. Any one of the three will keep you on the company’s good side and hopefully prevent a debt lawsuit.

Kenneth Eisen and Associates may sue you for outstanding debt

Unfortunately, debts don’t go away, and if you don’t act, Kenneth Eisen and Associates may decide to sue you. A lawsuit is more likely if you don’t set up any payment arrangements, ignore their attempts at contact, and the obligation is nearing your state’s statute of limitations.

If you receive a Complaint concerning your debt, your options for resolving it will be time-limited. You’ll only have until the date of your court hearing to pay off or settle the obligation.

You can attempt to argue your case by responding to the Complaint with an Answer and appearing in court, but unless you have a solid justification for your claim, you may end up with a judgment. If you know you owe the debt, debt settlement might be your next best bet.

SoloSuit can help you draft and file an Answer to your debt lawsuit.

Settle your debt with Kenneth Eisen and Associates

When you respond to your debt lawsuit with an Answer, you buy yourself time to explore debt settlement and payment plan options. Repaying the debt stops the judicial process. After all, once you pay the money due, there’s nothing to sue you for.

A settlement might work if you don’t have the money to repay the total debt. In a settlement, you offer a lump-sum payment for a percentage of the total obligation in exchange for dropping the case and forgiving the remaining amount.

SoloSuit recommends offering at least 60% of the debt’s value, but it’s at your discretion. If your financial circumstances don’t allow you to pay that much, you can explain the situation and see if Kenneth Eisen and Associates will work with you.

Watch this video to learn more about how to negotiate a debt settlement with Kenneth Eisen and Associates:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Now, let’s consider an example of how to settle a debt with .Kenneth Eisen & Associates.

Example: Gabby is on the hook for a $1,000 credit card bill that Kenneth Eisen and Associates recently took over. She used her card to buy 400 cases of Vanilla Coke and ran out of money to pay the bill. Now, Kenneth Eisen and Associates is suing Gabby, and she doesn’t have enough cash to repay the entire obligation. However, Gabby thinks she can pay off some of it. She uses SoloSettle to send an offer of $600 to Kenneth Eisen and Associates. They accept the settlement and arrange the agreement documentation. After SoloSettle transfers the settlement amount, Kenneth Eisen and Associates drops the case against Gabby and forgives the remaining balance.

Take action quickly to avoid a debt lawsuit from Kenneth Eisen and Associates

To prevent your debt from spiraling out of control and ending up in a courtroom, taking the right steps is crucial once you receive a collection notice from Kenneth Eisen and Associates.

Start by requesting the company validate the debt. If they provide you with the requested information, consider setting up payment arrangements or attempting to settle it. You can avoid a debt lawsuit and resolve the matter with a proper strategy.

Do you need help settling a debt with Kenneth Eisen and Associates? Consider SoloSettle, our debt settlement solution.

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.)

>>Read the MSN story about how SoloSuit can help you settle your debt

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.


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 are are just look for support, we're here for you.


Get Started

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

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