Are debt collectors calling you every day and leaving embarrassing messages for you at home and work? Do they call you names and threaten to mangle your credit for life? They’ll never admit it to you, but such behavior violates federal law and can get them shut down.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) restricts what third-party debt collectors can say or do while collecting or attempting to collect debt payments. Under the FDCPA, the following actions (and others like them) are illegal.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening action they cannot legally take or have no intention of taking
- Pretending to be attorneys, police officers, or federal agents
- Using obscene and profane language
- Failing to identify themselves during each communication as a debt collector seeking to collect a debt
- Telling your friends, neighbors, and co-workers that you owe a debt
Company Profile: Alliance Collection Services, Inc.
If you are being called by Alliance Collection Services, Inc., information about the company is below.
Alliance Collection Services, Inc. is a debt collection company located in Tupelo, Mississippi. It was established in 1995, has less than 10 employees, and is managed by owner Jeffrey Chambers.
According to the company website, it was chosen as “Best Places to Work in Collections” by InsideARM.com & the Best Companies Group for six years in a row.
Litigation records at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed that they were being harassed by Alliance Collection Services, Inc. did not yield to payment demands. Instead, they fought back in court.
Alleged Violations against Alliance Collection Services, Inc.
Tywanna Temple vs. Alliance Collection Services, Inc.*
According to PACER, on or about February 26, 2015 Georgia resident Tywanna Temple sent a dispute letter to Alliance Collection Services, Inc. regarding a debt they were trying to collect from her.
On March 15, she followed up with another dispute letter, this one directed at both the agency and Equifax.When Ms. Temple pulled her credit report on or about May 5, she saw that Alliance Collection Services, Inc. reported the debt as accurate as of that time and a "Date of 1st Delinquency" of March, 2009.
She later claimed that the account previously had a "date of 1st delinquency" of various dates in 2008 as opposed to March, 2009.
Feeling harassed by Alliance Collection Services, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive and misleading means to collect a debt
- Reporting inaccurate information to the credit bureaus
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-662-841-9995. If you see it on your caller ID when the phone rings, it means that you are being called by Alliance Collection Services, Inc.
If you dispute a debt they are trying to collect from you and you fail to report the fact to the credit bureaus, contact a contact a consumer attorney. If you file a claim against Alliance Collection Services, Inc., you may receive $1,000 per FDCPA violation in addition to reasonable attorney fees and other legal costs.
When debt collectors are so obsessed by your money that they forget your rights, a consumer protection lawsuit can send them a necessary reminder.
*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-01653-ELR from the United States District Court for the Northern District of Georgia, Atlanta Division.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Alliance Collection Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.