Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

Allied Interstate contacting me for a past debt

Date: Mon, 12/05/2005 - 08:00

Submitted by anonymous
on Mon, 12/05/2005 - 08:00

Posts: 202330 Credits: [Donate]

Total Replies: 8


hi there, I've been reading through some of the other posts about allied interstate. I have recently been getting calls from them and I believe I know the debt that it's regarding, but I would like to see something in writing before I speak to them on the phone.

My past experiences in talking to debt collectors over the phone is that they use bullying and scare tactics. I'd like to have all the information in front of me before having the conversation.

I'm guessing that I need to ask them to validate my debt in writing - however, I live in Massachusetts and can't find a local address for them. Can you help?

Thanks!


Hi Katie

Welcome to the forums.

As you are aware of the debt for which Allied Interstate is contacting you, it will be better to pay it off in order to improve your credit ratings. But before you do that, you should be aware of the fact that the said collection agency is legitimately holding your account.

Call them and ask for their mailing address in Massachusetts as you are interested in going through the debt validation of this account.

Do not get bullied and intimidated while you talk to the collection agency over the phone. They do not have the legal rights to do so and won't do if you are willing to pay your past account.

Once they have given you the complete details, make a payment arrangement and request them to upgrade your credit file.

While they will be validating your account, they need to give you the following details so that the process of debt validation is picturised accurately.


  • The amount of the debt.
  • The name of the creditor to whom the debt is owed.
  • There should be a statement that if the consumer does not dispute within 30 days, the validation will be treated as valid by the collection agency
  • A statement that if the debt is disputed, it will be verified by the collection agency
  • A statement that if the name and address of the current creditor is different from the original creditor, it will be provided by the collection agency.
  • All the calculation should be shown of the amount that is owed.
  • Provide a verification or copy of any judgment if applicable
  • The Statute of Limitation needs to be proven for the collection of the debt.
  • The license of the collection agency applicable in the state
  • Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.


Please go through some of the threads in the 'dealing with collection agencies' segment in this forum so that you have a better idea of how to deal with them.

Here is one topic that will give you an idea of how to deal with the collection agencies.

http://www.debtconsolidationcare.com/forums/collection-facts.html

Prefer to do all the communications with the collection agencies in writing. Send your letters through certified mail with return receipt requested. This way, you will have a written proof of everything.

Regards
Roxette


lrhall41

Submitted by roxette on Mon, 12/05/2005 - 08:24

( Posts: 4009 | Credits: )


Quote:

hi there, I've been reading through some of the other posts about allied interstate. I have recently been getting calls from them and I believe I know the debt that it's regarding, but I would like to see something in writing before I speak to them on the phone.

My past experiences in talking to debt collectors over the phone is that they use bullying and scare tactics. I'd like to have all the information in front of me before having the conversation.

I'm guessing that I need to ask them to validate my debt in writing - however, I live in Massachusetts and can't find a local address for them. Can you help?


katie, they should have sent out a collection letter to the last known address they have on file for you. by law, collection agencies are required to send out ONE letter stating who the original creditor is, how much is owed and who is collecting on the debt. if you don't receive the letter you can request a new one, but they do not have to send you a new one.


lrhall41

Submitted by on Mon, 12/05/2005 - 21:10

( Posts: | Credits: )


Quote:

While they will be validating your account, they need to give you the following details so that the process of debt validation is picturised accurately.

* All the calculation should be shown of the amount that is owed.
* Provide a verification or copy of any judgment if applicable
* The Statute of Limitation needs to be proven for the collection of the debt.
* The license of the collection agency applicable in the state
* Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.


none of this information is required by law. it would be nice if a collection agency would furnish such info, but they don't have to by law.


lrhall41

Submitted by on Mon, 12/05/2005 - 21:12

( Posts: | Credits: )


Quote:

none of this information is required by law. it would be nice if a collection agency would furnish such info, but they don't have to by law.


FTC website also states that these points should be specifically mentioned in the DV letter.

KarmaPolice, don't you think that if these information is not mandatory for the CA to furnish, especially those who are having a bad name in the industry, they will tamper with the accounts and force to pay on anything that does not have any proven record.

Your take --


lrhall41

Submitted by roxette on Tue, 12/06/2005 - 12:17

( Posts: 4009 | Credits: )


Quote:

FTC website also states that these points should be specifically mentioned in the DV letter.


'should be' is different than 'has to be.'

Quote:
KarmaPolice, don't you think that if these information is not mandatory for the CA to furnish, especially those who are having a bad name in the industry, they will tamper with the accounts and force to pay on anything that does not have any proven record.

Your take --



i think it's a bit of a catch-22 as many issues here are. people automatically assume collection agencies are evil and will take money through illegal means. yes, you can assume ANY company can tamper with your accounts and take money when they're not supposed to. but, keep in mind collection agencies don't always have access to old account information. collection agencies are used when the debtor has failed to pay the original creditor. by the time it reaches the collection agency, the debtor should be well aware of the debt and what it's for. now if, for some reason, the debtor needs more information in regards to the validity of a debt - that is what a letter of dispute is for!!!! with every collection letter sent out, there will be information on ways to go about disputing the debt. that means is much more useful than simply requesting a debt validation letter over and over again. every debtor has the right to dispute a debt and while it is being disputing, the collection activity will cease.


lrhall41

Submitted by CollectorMatt on Fri, 12/09/2005 - 17:14

( Posts: 95 | Credits: )


Hi Does anybody know of an e mail address for allied interstate
they are calling us over a credit card account that has been closed for over six months.The 1 --800 number no one seems to answer to it.If you have another way of contacting these people please post it. Thank you


lrhall41

Submitted by on Fri, 12/05/2008 - 08:42

( Posts: | Credits: )