Is Allied Collection Calling you? Here's what you need to know.
The Fair Debt Collection Practices Act (FDCPA) was enacted to eliminate abusive debt collection practices. In general, it prevents debt collectors from being deceptive, abusive, or unethical while attempting to collect a debt from a consumer. Examples of prohibited behavior include:
- Harassing or abusing any consumer in connection with the collection of a debt
- Using unfair or unconscionable methods to collect a debt
- Making false or misleading representations in connection with collecting a debt
Despite these injunctions, every year thousands of consumers report the following hostile actions from debt collectors:
- Excessive phone calls and/or calls using an autodialer
- Revealing the alleged debt to a consumer’s friends, family, and co-workers
- Threatening legal actions that they cannot or do not intend to take
- Using profane and/or abusive language
Allied Collection Services, Inc. (ACSI) is headquartered in Las Vegas, Nevada. Incorporated in 1997, Allied Collection Services has been practicing debt collection for more than 20 years. Court records viewable on the PACER (Public Access to Court Electronic Records) website turn up several instances of ACSI being sued for alleged FDCPA violations.
Charles Carpeta v. Allied Collection Services, Inc.
According to PACER**, in 2012, Charles Carpeta, a resident of Fort Wayne, Indiana, began receiving calls from Allied Collection Services, Inc representatives who allegedly failed to represent themselves as debt collectors seeking payment for a $217 debt he had incurred with Daniel’s Auction House.
Mr. Carpeta later claimed that the caller said that he was the winner in an online jewelry auction and failed to pay for the merchandise. He said he had never bought anything in the auction and requested a mailed collection notice so that he could dispute the debt.
Allied representatives allegedly discouraged him from disputing it, saying that it “would only make matters worse” and that disputed debts stay on credit reports longer. They then demanded an immediate payment over the phone, “otherwise it would never go away.”
When Mr. Carpeta filed suit, his complaint accused Allied Collection Services, Inc representatives of:
- Engaging in oppressive and harassing behavior during the process of collecting a debt
- Using deceptive and misleading means to represent and collect on the debt
- Failing to inform a consumer that they were communicating with him to collect a debt
- Failing to send the consumer a letter within five days of original contact as required by law
The suit was later settled.
The phone contact for Allied Collection Services, Inc. is 702-737-5506. If you receive calls from this number, ACSI is attempting to collect a debt from you. If they refuse to identify themselves as debt collectors, misrepresent the debt, and / or use bullying, unethical tactics to collect payments from you, see an experienced consumer attorney. If the matter escalates to court and you win, the FDCPA entitles you to four benefits:
- Reasonable attorney fees
- Costs incurred during the pursuit of the lawsuit
- Statutory damages of up to $1,000 per FDCPA violation
- Actual damages
Don’t let the fact that you owe a debt make you forget that you have rights.
**Case taken from PACER (www.pacer.gov). File number is (Case 1:12-cv-00358-PPS-RBC, from United States District Court, Northern District of Indiana, Fort Wayne Division)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Allied Collection Services, or any other third-party collection agency, you may not be entitled to any compensation.