Allied collections and consumer credit help
Date: Sun, 10/22/2006 - 08:42
If this is an outside collection agency you can send them a ceas
If this is an outside collection agency you can send them a cease and desist order and demand that the only contact be in written communications only. Is this allied interstate?
You can send them a C & D letter, here is a generic letter Qu
You can send them a C & D letter, here is a generic letter
Quote:
The cease and desist letter has legal stature based upon the Fair Debt Collections Practices act Section 805. You can read it for yourself here. The Fair Debt Collection Practices Act applies to both the agency and to attorneys who collect two or more debts per year. This law does not apply to the original creditor. However many original creditors will honor your request to not be called. Please note the following. When a collection agency receives a cease and desist letter they may move the account to legal status. This means that if they intend to sue you if they can't collect on the account the cease and desist letter will prompt them to bring suit immediately. So if there is an alternative way to stop being bothered by their calls, like using an answering machine, I'd suggest that you try it first. If there is no alternative then send the cease and desist letter. Send the letter via certified mail with a return receipt request. Keep a copy of the letter for your files. The letter may take a couple of weeks to work its way through the collection agency's system before your number is taken out of their automated dialers. Even after they receive the letter they are allowed (under law) to contact you one time to notify you or their intent. The easiest way to personalize this letter is to copy and paste it into a word processing program. Your Name Your Address City, State, Zip (Sent via CERTIFIED RETURN MAIL with RETURN RECEIPT) Date: XYZ Collection Agency/Law Firm 1234 Main Street, #100 Any town, USA 10021 Re: File #0000000 - ABC Bank - #4445566778899000 -For: $5555.55 Dear Debt Collector /Debt Collector Attorney: This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (fdcpa), to cease all communication with me in regard to the debt referenced above. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association. I/We have decided that we do not desire to work with a collection agency under any circumstances. I/We will contact the original creditor to resolve this matter directly, as circumstances warrant. You are also notified that should any adverse information be placed against my/our credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves. Sincerely, Your Name |
Have you spoken with your credit counselor about this? I would a
Have you spoken with your credit counselor about this? I would ask them why they are calling and if they are not included in this. They should have told you who wouldn't work with them,I would think...Karen
You are right bossy, if this is the Allied company I think it is
You are right bossy, if this is the Allied company I think it is, they violate so many laws it isn't funny. They are ruthless and make false threats. They also have so many complaints against them it isn't funny.
Dadeo, check out this link to hear more horror stories about thi
Dadeo, check out this link to hear more horror stories about this company, I would file a complaint with the AGs office against them. (http://www.collectionindustrylive.com/news_allied.html)
The counselor told us to put their phone number (the counselors
The counselor told us to put their phone number (the counselors company) in where you put(write) down changes in your address or phone number on a bill from the original creditor.We have not recieved a recent bill from them since they agreed to and signed a certified letter to be in the program.We were just going to dig out an old one and put in the changes.We will have to call our counselor to make sure this will be ok.This Allied called 6 times one day.
I had a bill to over to a CA and worked out a deal with them. TH
I had a bill to over to a CA and worked out a deal with them. THEN when I looked at my credit report I noticed that the debt was listed TWICE on my credit report and Allied was one of the CA's listed as collecting on this very same debt. I disputed this with the CRA and the Allied mark was removed from my credit report. I don't understand how that could happen when I was in a payment plan with one CA and Allied was reporting me (Allied was in no way affiliated with the CA from PA, I also have to add that this CA was very friendly and worked with me on a payment plan that fit in my budget, it was refreshing to work with a collector who wasn't threatening right off the bat) The funny thing is, is that Allied NEVER once sent me a collection letter or even called me, that is what I find so strange that they are on my credit report. And they reported me well after I was already in a payment plan with another CA. That shows what a crooked company they are.
You should send Allied a cease and desist letter. But they are s
You should send Allied a cease and desist letter. But they are so crooked that they may not follow it. Then you can just sue them for violating federal laws.
Where to complain
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the complaint form at www.ftc.gov