I live in Missouri and am very concerned about the practices of this company. I have a bill for under $500 with a creditor that ran late. (Actually it is a cell-phone bill where I co-signed for someone else and the someone else defaulted.) I started receiving calls from allied interstate about the 15th of the month. I must say that their representatives truly remind me of the south end of a north-bound horse! I called the original creditor a few days after Allied had called me, and made a partial payment by check over the phone, which was immediately deducted from my account.

I rec'd a message on my answering machine about 2 weeks ago with a number and reference #. So I called and found out it is Asset Acceptance trying to collect a debt from a Lerners from 1989. I did said that I didn't know anything about this but did ask about the SOL and they claim that since they purchased it, it is now a new debt. Not knowing how to reply to that I just hung up. They have called quite a few times after, but never when I am home. I always get the recording message with the same number and ref#.

I received an email from New Jersey Consumer Affairs department and it stated that AR Technologies IS NOT LICENSED TO COLLECT!!! Guess thats why they don't validate and turn accounts over to other collection agencies. I can forward the email if anyone wants to see it.

While browsing your site, I came across a particular page called RCLC Rep. What do these reps do actually? Are they folks from your company? :idea:

I have $42,000 credit card debts and $10,000 of medical bill that is due. Since I had been passing through a hard time, I took few payday loans. Now situation is even worse than worst. Continuous collection calls have made me tense. Payday lenders are threatening of wage garnishment. I have to pay a lump sum each month to my ex-wife that I cannot stop; otherwise she would be going to court. I have no other way out but bankruptcy. I know bankruptcy will ruin my credit, though it's already damaged enough. Can you suggest any alternative? I don't have any property as such. What should I do now?

How much amount of money can be saved in the consolidation program? Creditor's rate of interest is too high and it is becoming tough to catch up the bills. Can this program offer some relief?

What are the fees involved in the consolidation program. If any, do I have to pay it in one time?

Does ChexSystems issue any report? I have an item that needs to be disputed. How can I place this dispute?

Are you a member of the Better Business Bureau?

I have been recently scammed by a credit card company and am fearing identity theft. I wish to activate a fraud alert in my credit file? Whom should I contact? Thanks