How to Resolve a Debt with ACEI Collections

Hannah Locklear | August 24, 2023

Managing finances can be challenging, and sometimes you may find yourself in a situation where you owe money to a collections agency. If ACEI Collections has contacted you about an outstanding debt, you're probably wondering about the best way to navigate this situation. Rest assured, there are steps you can take to manage and potentially resolve this debt. This guide will walk you through the process.

Sued by ACEI Collections? Use SoloSettle to settle your debt for good.

What is ACEI Collections?

American Collections Enterprise, Inc. (ACEI) is a debt collection agency that collects on behalf of creditors throughout the US. ACEI Collections may have purchased a debt from your creditor who no longer wanted to bother with collection efforts. With this transfer of ownership, it’s possible that ACEI Collections could take you all the way to court over the supposed debt.

ACEI Collections is not accredited by the Better Business Bureau, and it has a B- standing with them. ACEI Collections reviews average at 1 out of 5 stars on its BBB profile and only 1.3 out of 5 stars on Google.

On top of these poor ratings, ACEI Collections has received many complaints on its BBB profile and the CFPB consumer complaint database. These complaints are concerning, and many of them allege that ACEI Collections attempts to collect on invalid debts, fails to verify a debt upon request, and reports inaccurate information to the credit bureau.

Knowing your rights will keep you safe from any sort of sketchy behavior on ACEI Collections’ part. Keep reading to learn how the Fair Debt Collection Practices Act (FDCPA) protects you.

The FDCPA protects you from unethical collection practices

The FDCPA protects consumers from abusive or deceptive debt collection practices. Under this law:

• ACEI Collections must provide written notice of the debt.
• ACEI Collections cannot call you before 8 a.m. or after 9 p.m.
• ACEI Collections must cease communication if you request in writing.
• Harassment or misrepresentation is prohibited.
• ACEI Collections cannot discuss your debt with your friends, family, or coworkers.

If you believe your rights are being violated, you can report the agency to the Consumer Financial Protection Bureau.

You also have the right to debt validation. Before you take any action on a debt, you should verify that it’s legit and that you actually owe it. You can do this through debt validation.

Make ACEI Collections validate the debt

Errors can occur, and it's possible that a debt you've already paid or isn't yours has been mistakenly attributed to you. As such, debt validation is a federal right given to you that can ensure you aren’t held liable for a debt that isn’t yours or has passed the statute of limitations.

If a debt collector has contacted you about a debt, you should respond with a Debt Validation Letter within 30 days of initial contact before making any payments. This letter is a type of legal demand that asserts your rights in the FDCPA, which says:

“If the consumer notifies the debt collector in writing within the thirty-day period . . . that the debt, or any portion thereof, is disputed . . . the debt collector shall cease collection of the debt . . . until the debt collector obtains verification of the debt . . . and a copy of such verification . . . is mailed to the consumer by the debt collector.”

In order to validate the debt, ACEI Collections must provide the following information:

• Proof that you owe the debt
• The amount of the debt
• The age of the debt
• ACEI’s ownership of the debt
• ACEI’s debt collector license, or right to collect on the debt in your state
• A calculation of whether the statute of limitations has expired for collecting the debt
• The last action taken on the account

If ACEI Collections can’t provide you with all this information, there is a good chance they will stop contacting you. Even if you owe the full debt, the collector still may not be able to show proper documentation that you owe it, or they might not be able to show documentation that they own the debt and have the right to collect on it. This is what makes a Debt Validation Letter such a powerful tool for debt resolution.

Below is the contact information for ACEI Collections:

Address: P. O. Box 30096, Alexandria, VA 22310
Phone: 703-253-7000
Email: cs@payacei.com

Respond to your debt lawsuit

If the debt is valid and within the statute of limitations, ACEI Collection can sue.

The first step you should take is to respond to an ACEI Collections lawsuit before your state’s deadline. To respond to a debt lawsuit, you have to draft and file an Answer into the case. In your Answer, you should:

• Respond to each claim against you.
• Assert your affirmative defenses.

SoloSuit can help you draft and file a customized Answer to your debt lawsuit in minutes and increase your chances of winning. Our software helps you create a personalized response to your debt case, helping you avoid losing automatically by default judgment. All you have to do is respond to a series of questions about your case, and an Answer document will be generated for you.

Your Answer will be properly formatted, contain appropriate legal language, address all the claims against you, and include a section for your affirmative defenses.

Settle your debt with ACEI Collections

After you respond to your debt lawsuit, you have time to work out a debt settlement with ACEI Collections.

In a debt settlement, you offer a portion of the total amount due, usually at least 60% of the debt’s value. In exchange for a lump-sum payment, ACEI Collections agrees to drop any legal claims against you and release you from the remaining balance.

Once you've reached a settlement with ACEI Collections, you should ask for a written agreement that outlines the terms you've agreed upon. Don't make any payments until you have this in hand. Finally, be sure to follow through on your end and make all payments as agreed upon. Late or missed payments can nullify your agreement.

After settling the debt, monitor your credit report to ensure the account is updated appropriately. The report should reflect the payment, and the account should be marked as "paid" or "settled."

To learn more about how to settle a debt with ACEI Collections, check out this video:

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 take a look at an example of how to settle a debt with ACEI Collections.

You can resolve your debt with ACEI Collections

Facing a collections agency can be daunting, but understanding your rights and the steps to address the situation can alleviate much of the stress. Approach the process methodically, keep open communication with ACEI Collections, and remember that you have resources, like SoloSuit, available to help you.

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