Are you being bullied by debt collectors to pay credit card bills that aren’t yours or you can’t afford to repay? They may tell you that they have the right to call until you pay, but the truth is that you have the right to order them to stop contacting you and sue them if they persist.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from being harassed or deceived because you owe money. If a third-party collection agency imposes abuses like the following on you, they can be fined and even lose their license.
- Using an autodialer to leave a series of pre-recorded messages
- Threatening legal actions that they have no intention of taking
- Calling before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
- Telling you that you have committed a crime by not paying the debt
- Using foul language
- Claiming to be law enforcement officers to scare you into paying
Company Profile: Alliance Credit Associates, LLC
If you are being called by Alliance Credit Associates, LLC, additional information about the company is below.
Alliance Credit Associates, LLC is a debt collection agency located in Lancaster, New York. It was founded in 2018 and has approximately 10 employees. An inspection of records maintained at the PACER website suggests that consumers who felt that they were being harassed by Alliance Credit Associates, LLC refused to be intimidated.
Alleged Violations against Alliance Credit Associates, LLC*
According to information on the PACER website, in or around December 2018, Alliance Credit Associates, LLC started calling a Texas consumer to collect a debt. She alleged that a caller left a voicemail indicating that she would be served with a complaint, even providing a fake case number.
Alarmed, the consumer returned the call and was frightened enough to agree to a payment plan. She made one payment before seeking legal advice.
Feeling harassed by Alliance Credit Associates, LLC, the consumer took the company to court for:
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading methods to collect a debt
Hire a Consumer Lawyer
The phone numbers for Alliance Credit Associates, LLC are:
Their presence on your caller ID is confirmation that Alliance Credit Associates, LLC is trying to reach you about a debt. If they threaten legal action solely to scare you into paying, hire a consumer lawyer and file a claim against Alliance Credit Associates, LLC. Any collection agency that violates the FDCPA can be ordered to compensate you, so never be too intimidated or embarrassed to fight back.
*Case taken from PACER (pacer.gov). File number is Case 4:18-cv-04823 from the United States District Court for the Southern District of Texas, Houston 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 Credit Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.