Allied Alliance debt collection harassment includes excessive phone calls multiple times daily, threatening language about wage garnishment or lawsuits, contacting family or employers about your debt, and refusing to verify debt claims.
If you’re receiving incessant calls from Allied Alliance & Associates collectors, experiencing unprofessional tactics, or facing threats from this Rochester, NY-based agency, you have legal rights under the Fair Debt Collection Practices Act (FDCPA).
Consumer complaints against Allied Alliance cite aggressive debt collection practices that violate federal law. You could receive up to $1,000 in statutory damages per violation, with attorney fees paid by the collector.
Is Allied Alliance Legitimate or a Scam
Allied Alliance debt collection is a legitimate company based in Rochester, NY, specializing in payment processing, debt collections, accounts receivable management, and pre-legal services. However, Allied Alliance complaints suggest their tactics sometimes cross legal lines.
Business Information:
- Address: 100 Boxart St., Suite 2036, Rochester, NY 14612
- Phone: 585-207-0718
- Fax: 585-368-5650
While debt collection is legal when performed correctly, multiple complaints indicate Allied Alliance’s methods may violate the FDCPA. Understanding your rights becomes essential when dealing with their collectors.
Recognizing Allied Alliance Debt Collection Harassment
Allied Alliance debt collection harassment occurs when collectors violate federal law through excessive calls, abusive language, third-party contact, false threats, or failure to verify debts. If you’ve experienced the following from Allied Alliance, they could be violating the FDCPA:
- Repeated or harassing phone calls, even after you’ve asked them to stop
- Profane or abusive language during collection attempts
- Threats to harm your credit, sue you, or garnish wages without legal authority
- Calls before 8 a.m. or after 9 p.m.
- Revealing your debt to friends, family, or employers
- Demands for payment exceeding the legal amount
- Failure to inform you of your right to dispute the debt within 30 days
- Persistently calling the wrong person despite being informed
These aggressive tactics can cause stress, damage your reputation, and create unnecessary financial anxiety. If Allied Alliance phone harassment disrupts your life, you have legal options.
Common Allied Alliance Harassment Tactics
Allied Alliance harassment tactics include excessive calling, threatening language, third-party disclosure, false statements, and failure to verify debt. While debt collectors have the right to recover unpaid debts, they must follow strict FDCPA rules. Unfortunately, Allied Alliance collectors may use tactics that skirt or violate these laws.
Excessive Phone Calls
Excessive calls occur when collectors contact you multiple times daily or at inconvenient times. Federal law limits collectors to:
- Maximum 7 calls per debt within 7 days
- No calls before 8 a.m. or after 9 p.m.
- No calls within 7 days after speaking with you
If Allied Alliance exceeds these limits, they’re violating your rights and you can take legal action.
Threatening and Abusive Language
Debt collectors are prohibited from using threatening or abusive language. If Allied Alliance representatives threaten to sue, garnish wages, or aggressively harm your credit without legal authority, document these interactions immediately. False threats of arrest or criminal charges for unpaid consumer debts are illegal.
Third-Party Disclosure of Your Debt
If Allied Alliance collectors discuss your debt with family members, coworkers, or neighbors, they’ve crossed a legal line. Debt collectors are only allowed to contact third parties to obtain your contact information and cannot disclose the nature of the debt.
False Statements and Deceptive Claims
Some collectors resort to deceit, claiming you’ll face arrest or severe consequences if you don’t pay. These false statements are illegal and should be reported immediately to the Consumer Financial Protection Bureau and your state attorney general.
Failure to Verify Disputed Debts
If you dispute a debt, Allied Alliance must provide proof that the debt is valid. Ignoring your dispute or continuing collection efforts without verification is illegal. Since associates collect for various creditors, verify debts directly with the collection agency to ensure accuracy.
How to Stop Allied Alliance Debt Collection Harassment
To stop Allied Alliance harassment, document all interactions, send a cease and desist letter via certified mail, dispute the debt in writing within 30 days, and contact a consumer protection attorney for legal action.
Document Every Communication
Keep detailed records of every interaction with Allied Alliance collectors:
- Date and time of each call
- Phone number used by the collector
- Name of the representative
- Exact content of conversations, especially threats
- Voicemails, emails, and letters received
- Witnesses to the calls
This documentation serves as crucial evidence if you pursue legal action.
Know Your Rights Under Federal Law
The FDCPA and Telephone Consumer Protection Act (TCPA) protect you from abusive practices. Familiarize yourself with these laws to recognize when Allied Alliance crosses legal boundaries.
Send a Cease and Desist Letter
Request in writing that Allied Alliance stop contacting you. By law, they must comply unless they’re informing you of specific legal action. Send via certified mail with a return receipt for proof of delivery.
Dispute the Debt in Writing
If you believe the debt is inaccurate, dispute it in writing within 30 days of receiving the initial communication. The presence of debt collection agencies on your credit report can damage your score. Allied Alliance must verify the debt before continuing collection efforts.
Contact The Wood Law Firm
If harassment persists, contact The Wood Law Firm at +1 844-638-1122. Our experienced attorneys can help you file a lawsuit and seek compensation for illegal debt collection practices.
Can Allied Alliance Take Legal Action Against You
Allied Alliance can sue for unpaid debts within the statute of limitations and may garnish wages after obtaining a court judgment. However, they cannot arrest you or threaten criminal charges for unpaid consumer debts.
Important facts about legal action:
- They must obtain a court judgment before wage garnishment
- Wage garnishment typically limited to 25% of disposable earnings
- Statute of limitations varies by state (usually 3 to 6 years)
- They cannot threaten arrest for unpaid consumer debt
- They must follow proper legal procedures for lawsuits
Being informed about your state laws regarding debt collection can prevent you from succumbing to intimidation.
Filing a Lawsuit Against Allied Alliance
If Allied Alliance harassment becomes unbearable, filing a lawsuit may be your best option. The FDCPA allows victims to sue for statutory damages up to $1,000 per violation, actual damages for emotional distress, and attorney fees paid by the collector.
The Fair Credit Reporting Act (FCRA) provides additional legal protection and empowers consumers to contest debts and protect their credit rights.
Steps to Take Legal Action
Consult an Attorney: Reach out to The Wood Law Firm for a free evaluation of your case at +1 844-638-1122.
Gather Evidence: Compile all communications, including call logs, voicemails, letters, and witnesses to harassment.
File a Complaint: Your attorney will help you file a formal complaint against Allied Alliance in federal court.
Proceed with the Case: Work with your lawyer to present evidence and argue your case for maximum compensation.
Legal action not only stops harassment but also holds debt collectors accountable for respecting consumers’ rights.
About The Wood Law Firm
At The Wood Law Firm, we specialize in stopping Allied Alliance harassment and holding abusive debt collectors accountable. For over a decade, we’ve fought to protect consumers from predatory practices and secure justice. We understand the stress debt collection harassment causes, and we’re here to make it stop immediately.
Our team has extensive experience with FDCPA violations and has recovered millions for consumers facing harassment. We handle cases on contingency, meaning you pay nothing unless we win, and the collector pays all attorney fees. Our personalized approach and national reach through Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia make us uniquely equipped to stop Allied Alliance harassment.
About Attorney Jeff Wood
Jeff Wood is an accomplished attorney with over 15 years of experience specializing in consumer protection. He focuses on FDCPA, FCRA, and TCPA cases and has recovered millions for consumers facing Allied Alliance harassment and other illegal debt collection practices. His commitment to consumer rights makes him a formidable advocate against abusive collectors.
Success Stories
$11,200 Settlement for Excessive Calling and Threats
A New York resident received 12 to 15 calls daily from Allied Alliance for four weeks, including threats of wage garnishment without court authority and calls at inappropriate hours. We documented every instance of harassment and filed an FDCPA lawsuit. Allied Alliance settled for $11,200 plus debt forgiveness within 60 days, paying all attorney fees separately.
$9,500 Recovery for Workplace Contact Violation
A consumer informed Allied Alliance his employer prohibited personal calls. Despite this, Allied Alliance continued calling his workplace multiple times weekly, discussing his debt with coworkers and nearly costing him his job. The Wood Law Firm proved these third-party disclosure violations. Allied Alliance settled for $9,500, removed the debt from credit reports, and ceased collection. Our client received the full settlement.
Frequently Asked Questions About Allied Alliance Harassment
Is Allied Alliance debt collector real and legitimate?
Yes, Allied Alliance is a real debt collection agency based in Rochester, NY. However, many consumers report aggressive or questionable tactics that may violate the FDCPA. Being legitimate doesn’t mean their collection methods are always lawful.
Can I ignore Allied Alliance debt collection agency?
Ignoring them can lead to lawsuits or credit damage. It’s better to validate the debt in writing within 30 days and respond appropriately to protect your rights.
How do I verify if Allied Alliance debt collection is real?
Request a written validation letter within 30 days of first contact. If the agency fails to verify the debt or provide details including the original creditor’s name and amount owed, the claim may not be legitimate.
Can Allied Alliance garnish my wages?
Yes, but only after obtaining a court judgment. Without a judgment, wage garnishment is not legally permitted. Threats of immediate garnishment without court action violate the FDCPA.
Can Allied Alliance sue me for unpaid debts?
Yes, they can sue if the debt is within the legal statute of limitations (typically 3 to 6 years depending on your state) and they can prove you owe it.
Is it legal for Allied Alliance to contact me at work?
Not if you request they stop. Continued workplace contact after such a request violates the FDCPA and may entitle you to damages.
Can Allied Alliance report my debt to credit bureaus?
Yes, they can legally report delinquent debt, which can negatively affect your credit score. You have the right to dispute inaccurate information under the FCRA.
What should I do if Allied Alliance is harassing me?
Document everything with dates and details, send a cease and desist letter via certified mail, and contact The Wood Law Firm at +1 844-638-1122 to protect your legal rights and potentially recover compensation.
Can I sue Allied Alliance for harassment?
Yes, if they violate your FDCPA rights through excessive calls, threats, third-party contact, or failure to verify debt, you can sue for up to $1,000 in statutory damages plus actual damages and attorney fees.
How long can Allied Alliance legally pursue a debt?
The statute of limitations depends on your state, usually between 3 and 6 years. After that, debts become time-barred, and collectors cannot sue, though they may still attempt collection.
Stop Allied Alliance Harassment Today
Allied Alliance phone harassment doesn’t have to control your life. You have powerful legal rights under the FDCPA, and The Wood Law Firm has the experience to stop the abuse immediately. Don’t let relentless collection calls and harassment continue another day.
Contact The Wood Law Firm at +1 844-638-1122 for a free consultation. We’ll evaluate your Allied Alliance harassment case, explain your options, and fight for the compensation you deserve. We handle cases on contingency, meaning you pay nothing unless we win, and Allied Alliance pays all attorney fees.
Take action today. Stop Allied Alliance harassment and hold them accountable for violating your rights.
Also read: Action Financial Services Debt Collection Harassment
Additional Resources:
