Are you being called by Capital Alliance Financial, LLC?* Here’s what you need to know
If you’re being chased by debt collectors for overdue financial accounts, it’s normal to be stressed and worried when you don’t know your rights as a consumer. Fortunately, those rights include the ability to tell the collector to stop contacting you effective immediately and suing them for violation of the FDCPA when they don’t.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, grants protections and rights to indebted consumers. It mandates that third-party debt collectors may not use methods like those below to collect debt payments from you.
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
- Calling you at work after they’ve been advised that such calls are not allowed
- Telling you that you can be arrested and imprisoned if you do not pay the amount they are demanding
- Contacting you directly even after you’ve hired an attorney to represent you in the matter
- Using abusive and/or obscene language
- Keep contacting you even after you dispute a debt or demand its validation
Company Profile: Capital Alliance Financial, LLC
If you are being called by Capital Alliance Financial, LLC, information about the company is below.
Capital Alliance Financial, LLC is a debt collection company located in Grand Rapids, Michigan. It was established in 2006, has less than 10 employees, and is managed by owner Philip Stenger. Mr. Stenger, an attorney, also head the law firm that collects on behalf of the agency. According to court files digitized at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Capital Alliance Financial, LLC refused to be bullied into paying debts they could not afford or did not owe.
Alleged Violations against Capital Alliance Financial, LLC
According to PACER, in a letter dated December 27, 2011, Capital Alliance Financial, LLC attempted to collect a debt from a Minnesota resident. She had already received a collection letter from the original creditor, U.S. Bank, the previous November, and this new demand identified Capital Alliance Financial, LLC as the creditor instead.
In light of the existing claim against her by U.S. Bank, the resident felt that the letter from the collection agency put her in the unfair position of forcing her to deal with two different law firms representing two different alleged creditors simultaneously pursuing her for the same alleged debt.
Feeling harassed by Capital Alliance Financial, LLC, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-616-940-3020. It you see it on your caller ID, it means that you are being called by Capital Alliance Financial, LLC. If they try to make you pay them for a debt owed to someone else, hire a consumer attorney. If you opt to file a claim against Capital Alliance Financial, LLC and win your case, you could potentially receive $1,000 per FDCPA violation plus court costs and attorney fees. When debt collectors treat you badly, standing up for yourself and hiring an attorney is a smart move.
*Case taken from PACER (www.pacer.gov). File number is CASE 0:12-cv-00158-RHK-SER from the United States District Court for the District of Minnesota.
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 Capital Alliance Financial, LLC , or any other third-party collection agency, you may not be entitled to any compensation.