About Alden
Built to do this differently.
Alden was not started by people who wanted to be debt collectors. It was started by someone who asked: what if this industry operated with discipline, transparency, and genuine restraint?
Alden Obligation Resolution
Washington, DC · aldenreso.com
Our origin
The public does not object to debt resolution. It objects to how people are treated in the process.
Debt collection has a well-earned bad reputation. Repeated calls. Pressure tactics. Scripts designed to manufacture urgency.
Alden was built to test a different hypothesis: that a disciplined, transparent, calm firm could resolve obligations profitably — without any of the tactics the industry is known for.
We are not a call-center business. Depending on the account, we buy it, work it on the creditor’s behalf, or service it in their name — but the experience never changes: a small number of honest written contacts, real options at transparent prices, and no pressure when someone is not in a position to resolve.
How we operate
The rules we work by.
These are not marketing slogans. They are operating constraints built into every decision we make.
Be transparent
We tell you what we paid. We tell you your options. We tell you your rights. No ambiguity.
Be calm and empathetic
Our letters and portal are designed to reduce anxiety — not exploit it.
Use AI responsibly
AI helps us decide earlier and more accurately. We never use AI to pressure or manipulate.
Use cash
When we buy, we use our own capital — no debt financing. Patience is what lets us resolve instead of pressure.
Portfolio selection first
Better decisions upstream eliminate the need for pressure downstream.
Technology and governance first
We are a resolution platform, not a pressure operation. However an account reaches us — bought, placed, or serviced — it’s worked by the same disciplined system, never a call floor.
Know Your Rights
The FDCPA protects you. We want you to know how.
These are your legal rights under the Fair Debt Collection Practices Act — not suggestions. We are bound by every one of them.
Time-limited contact
Debt collectors may not contact you before 8:00 AM or after 9:00 PM local time. Contact outside those hours is a violation.
Right to stop contact
If you send a written request to stop contact, we must stop — except to confirm no further contact or notify you of specific legal actions.
Right to debt validation
Within 30 days of first contact, you can request written validation of the debt. We must pause collection until validation is provided.
Right to dispute
You can dispute a debt at any time. If you believe the debt is not yours or the amount is wrong, you have the right to say so — and we must address it.
No harassment
The FDCPA prohibits harassment, abuse, threats of violence, obscene language, and repeated calls with the intent to annoy. These are illegal. Period.
Workplace contact limits
If you tell us your employer prohibits collection calls at work, we cannot contact you there. We are legally required to honor that.
Third-party disclosure
We may not disclose your debt to third parties — including employers, family, or friends — except in very limited legal circumstances, like locating you.
Right to sue
If a debt collector violates the FDCPA, you have the right to sue in federal or state court within one year and may recover damages plus attorney fees.
Full text available at ftc.gov · File a complaint at consumerfinance.gov
Our Pledge
What Alden will never do.
“The law sets the floor. We set the standard higher — not because we have to, but because it’s right.”
Every complaint is taken seriously. Contact us directly or file with the CFPB at consumerfinance.gov.
What we are
A people-first resolution service.
Traditional debt collectors are incentivized to pressure, pursue, and collect at any cost. That is not Alden. Our goal is resolution — a genuine, dignified close to an open account — whether we own the account, work it for the creditor, or service it in their name.
Traditional debt collectors
- Maximize pressure to collect
- Repeated calls and letters
- Vague or silent about your rights
- One outcome: full payment or escalation
- Resolution feels like defeat
- You are an account number
Alden Obligation Resolution
- Put you in control of the outcome
- A small number of written notices — then we stop
- Proactively transparent about every law and limit
- Three flexible resolution paths, you choose
- Resolution feels like relief — with a Certificate
- We submit a credit bureau deletion request upon resolution
- You are a person navigating a hard moment
“What if ethical was not a slogan, but a system design choice?”Alden founding principle