Eastern Account System: Who They Are and Your Rights

Type

Collection agency

Also known as

Eastern Account System of Connecticut, Inc.

Headquarters

Brookfield, CT

Collects

healthcare bills, telecommunications accounts, utility accounts, fintech accounts

Phone numbers it lists

(800) 750-6343

Website

easternaccounts.com

2,155 debt collection complaints were sent to the Consumer Financial Protection Bureau about Eastern Account Systems of Connecticut, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Eastern Account System?

Eastern Account System of Connecticut, Inc., which uses the shorter name Eastern Account System, is a collection agency headquartered at 111 Park Ridge Road in Brookfield, Connecticut. Its Better Business Bureau profile lists the business as a corporation that started and was incorporated in October 1992. The company's own website speaks of more than 30 years of experience and describes its services as collections, revenue cycle work and a contact center.

The phone number on the company's website is (800) 750-6343, which it says reaches representatives who speak English and Spanish. The site also links to an online payment page. We did not find a CFPB enforcement action against Eastern Account System when we reviewed the CFPB's public enforcement list.

Why Eastern Account System May Be Contacting You

Eastern Account System lists three industries on its website: healthcare, telecommunications and utilities, and fintech. In practice that means a letter or call from it is most often about one of these:

• a hospital, clinic or physician balance left after insurance paid;
• a final bill from a cell phone, cable, internet, electric or gas account that was closed; or
• a balance owed to an app-based lender, payment service or other financial technology company.

The agency generally works for the business that is owed the money, so the original company's name should appear in the first notice you receive. If you do not recognize that name, say so in writing.

How to Check a Debt Eastern Account System Says You Owe

Because this agency handles very different types of accounts, start by pinning down exactly which company and which account the debt comes from.

• Compare the validation notice with your own records. Federal law requires a written notice with the creditor's name, the account number and an itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). For a medical bill, match it against the insurer's explanation of benefits. For a phone or utility account, compare it with your final statement and any deposit that should have been credited back.
• Dispute in writing before the validation period ends. A timely written dispute requires the agency to pause collection until it sends verification.
• Ask who owns the account today. The client may still own it, or it may have been sold. The answer tells you who can settle the balance and who could sue.
• Look for added charges. Fees for returned equipment, early termination or late payment should be backed by your contract.
• Check the dates. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods, and a payment can affect the analysis, so get advice before paying on an old account.

What Eastern Account System Can and Can't Do

An agency that collects consumer debts owed to its clients is a "debt collector" under the FDCPA, 15 U.S.C. § 1692a(6). Some practical limits:

• It cannot call more than seven times in seven days about the same debt, or within seven days after a phone conversation about it, without running into Regulation F's presumption of harassment (12 C.F.R. § 1006.14(b)(2)). See our Regulation F call and text limits update.
• It must stop calling you at work once it knows your employer does not allow those calls (15 U.S.C. § 1692c(a)(3)).
• Medical collections are subject to separate credit-reporting rules. Read our update on medical debt reporting changes and on Texas's itemized medical bill requirement.
• It cannot threaten to garnish your wages over an ordinary consumer debt in Texas, where that is generally not allowed.

For more on your rights, see our FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Eastern Account System or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Eastern Account System: home page
• BBB business profile: Eastern Account System of Connecticut, Inc. (business details only)
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Eastern Account Systems of Connecticut, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Eastern Account System has violated any law. Company details change; tell us if something here is out of date.