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By Contributing Author: Sergei Lemberg Updated on

Is AllianceOne Collecting a Debt from You*

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Debt collection agencies are the subject of many complaints due to their often unfair, deceptive, and harassing tactics. Creditors and other companies sell their old or defaulted debts to these collection agencies because the creditors can’t get payment back fast enough.

AllianceOne has offices in Gig Harbor, Washington, San Diego, and Anderson, Indiana, Eagan, Minnesota, and Maumee, Ohio with over 1,000 employees. AllianceOne offers financial services, telecommunication services, education and government services, utility industry services, and healthcare services working with industries such as home, credit card, and auto loans, school loans, cell phone and cable services, and more.

To protect consumers, the Federal Trade Commission passed the Fair Debt Collection Practices Act (FDCPA) stop the abuse from collection agencies. Violations of the FDCPA include:

  • Lying about who they are or the amount you owe
  • Threatening legal action they can’t take or don’t intend to take
  • Using abusive or obscene language
  • Calling you before 8:00 a.m. or after 9:00 p.m. without your permission
  • Calling you at work without your permission or if your employer doesn’t allow it
  • Calling you at any other time you told them was inconvenient for you
  • Telling anyone else (other than your attorney or your spouse) that you owe a debt
  • Harassing friends and family members

Laws AllianceOne is Known for Breaking**

The Better Business Bureau has not accredited AllianceOne. Over the last three years, consumers have filed almost 200 complaints with the BBB.

  • Attempted to collect debts that were already paid
  • Attempted to collect non-existent debts
  • Attempted to collect debts from the wrong person
  • Harassed and disrespected consumers
  • Lied about payments and the original amount
  • Called excessively after being told not to
  • Harassed friends and family members

What to Do if AllianceOne is Trying to Collect a Debt from You

You have to the right to tell AllianceOne to stop contacting you, especially if you don’t believe the debt is yours or they contact you repeatedly. Stopping contact will not end the alleged debt you owe, but it could give you the peace you need while looking for other options. The request needs to be submitted in writing.

Make sure to track each and every time they call or send you mail after they’ve received the no contact request. They are not allowed to ever contact you by postcard. After they have received a no contact request, they are only allowed to call to tell you there will be no further contact or to tell you they are taking action against you, such as filing a lawsuit.

If you are summoned to court by AllianceOne, don’t ever ignore a court summoning. A judge is able to order your bank account to be frozen, your bank to pay collection services without your approval, your wages garnished, and more. You need to show up to the trial to defend your rights.

You should contact a qualified FDCPA attorney as soon as you think you’ve been violated or treated unfairly. Once you have an attorney, AllianceOne will only be able to contact them. Your lawyer will examine your evidence to determine whether or not you have a lawsuit. If you do, you could be entitled to $1,000 per violation plus damages and lawyers’ fees.

**According to customer complaints on the Better Business Bureau and Consumer Affairs websites.


The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Alliance One or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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