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Did Alliance Collection Services Threaten You?*

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Has a debt collection agency such as Alliance Collection Services contacted you regarding an outstanding consumer debt? If the answer is yes, then you should know a federal consumer protection law makes it illegal for the company to harass and intimidate you. Under the Fair Debt Collection Practices Act (FDCPA), Alliance Collection Services is not allowed to call you after nine at night and before eight in the morning. The third party debt collector is also forbidden from threatening you in any way.

About Alliance Collection Services

Since 1995, Alliance Collection Services has operated as a debt collection agency out of Tupelo, Mississippi. With a Better Business Bureau file opened in 2003, the third party debt collector has not received a rating from the consumer advocacy organization. Alliance Collection Services also has not received accreditation from the BBB. According to the BBB website devoted to the bill collector, there have not been any consumer reviews or consumer complaints.

What Threats are Not Allowed by the FDCPA?

With a focus on outlawing overly aggressive debt collection tactics, the United States Congress wrote the FDCPA to include a list of more than a dozen examples of illegal threats. Under the FDCPA, Alliance Collection Services is barred from threatening to put you in jail for a delinquent credit card or personal loan account. The United States has never permitted the establishment of debtor prisons to punish consumers that have fallen on hard financial times. However, some bill collectors bank on consumers not knowing about the prohibition of debtor prisons.

The FDCPA prohibits debt collection agencies from threatening consumers with legal action for unpaid debts. Threats of filing lawsuits can motivate consumers into taking legal action when no legal action is needed to be taken. However, a third party debt collector like Alliance collection Services has the right to file a lawsuit against you in a civil court. It is just the issuing of a threat to file a lawsuit that the FDCPA has outlawed.

Did Alliance Collection Services Threaten You?*

Are You Eligible for Just Compensation?

If the FDCPA was only about outlawing harassing and intimidating debt collection tactics, then most bill collectors would not be deterred from implementing overly aggressive debt collection techniques. In addition to making dozens of previously acceptable debt collection tactics illegal, the FDCPA also grants consumers the right to file claims against third party debt collectors.

A claim for just compensation can include a request to receive statutory damages for one or more violations of the FDCPA. The one-time monetary award cannot exceed $1,000, but you can recover more money by seeking actual damages for the pain and suffering caused by physical and/or emotional distress.

End the Threats Issued by Alliance Collection Services

Convincing a bill collector to stop harassing you is difficult to do, unless you work with a licensed FDCPA lawyer. You can expect the debt collection agency to have a team of highly skilled lawyers presenting a compelling case against you. Hiring an experienced FDCPA lawyer will even the legal playing field by giving you the opportunity to seek monetary damages. Most FDCPA attorneys schedule free initial consultations with new clients.

Additional Resources

*Disclaimer: 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 Collection Services, or any other third-party collection agency, you may not be entitled to compensation.

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