Getting credit is so easy today that few adult Americans are not carrying aroud some form of debt. But if you get laid off or disabled in an accident, making payments on those obligations can become impossible.
Once you go into arrears, debt collectors will start calling, and some of them can make you feel even worse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that establishes guidelines for debt collector conduct. Below is a list of sample violations that can mean loss of the company’s license and an order to compensate consumers.
- Using profane language
- Making threats they cannot legally follow up on, such as having you arrested or your children taken away
- Refusing or failing the validate the debt
- Demanding amounts that exceed the amount of the original debt
- Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
- Calling you at work if they know that your employer does not permit such calls
Company Profile: Alltran Education, Inc.
If you are being called by Alltran Education, Inc., more information about the company is below.
Alltran Education, Inc., which also does business as Enterprise Recovery Systems, Inc., is a debt collection agency located in Woodridge, Illinois. It was established in 1988, has hundreds of people on staff, and is managed by its President, Scott Nicholson.
This company is dedicated to collecting past due student loans. Records viewable at the PACER website confirms that consumers who believed they were being harassed by Alltran Education, Inc. disputed the agency’s claims in court.
Alleged Violations against Alltran Education, Inc.
According to PACER, on or around May 16, 2016, Alltran Education, Inc. sent a collection letter to an Illinois consumer regarding a student loan debt. She complained that it listed numerous amounts owed and balances which were different and conflicting, making it impossible to know what she really owed.
Feeling harassed by Alltran Education, Inc., the consumer sought assistance from a debt defense lawyer and sued the agency for allegedly violating her rights by:
- Using unfair and unconscionable means to collect the debt
- Using false, deceptive, and misleading means to collect the debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Alltran Education, Inc. are:
If you spot them on your caller ID, you are being contacted by Alltran Education, Inc. If they send you collection letters that make it impossible to know how much you owe, contact a consumer lawyer for help in filing a claim against Alltran Education, Inc.
Misleading consumers is a violation of the FDCPA, and you could receive $1,000 per incident plus reasonable attorney fees and expenses. These awards are a reminder that any time a collection agency forgets the law, consequences result.
Case taken from PACER (pacer.gov). File number is Case: 1:17-cv-03592 from the United States District Court for the Northern District of Illinois, Eastern 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 Alltran Education, Inc. or any other third-party collection agency, you may not be entitled to any compensation.