Is Alliant Capital Management Harassing You?

Last Updated September 16, 2024

Have you been overwhelmed by constant phone calls from Alliant Capital Management? Do they threaten legal action or wage garnishment if you don’t pay? Are they bombarding you with calls at all hours, sometimes multiple times a day? Worse, are they involving your family, friends, or even your workplace in their efforts to collect a debt? If any of these situations sound familiar, knowing their actions may be illegal is crucial. You have the right to stop Alliant Capital Management debt collection harassment

Alliant Capital Management must follow the rules set forth by the Fair Debt Collection Practices Act(FDCPA). This federal law safeguards consumers from unfair and abusive practices by debt collectors. If Alliant Capital Management violates the FDCPA, you could be entitled to statutory damages of up to $1,000 in addition to legal fees. Here’s everything you need to know about your rights and how to stop harassment from this collection agency.

Understanding the FDCPA: Protecting You From Debt Collection Abuse

The Fair Debt Collection Practices Act (FDCPA) curbs abusive debt collection tactics and protects consumers from harassment. Under this law, debt collectors like Alliant Capital Management must follow strict rules, including how and when they can contact you.

The FDCPA specifically prohibits the following:

Inappropriate Contact Times: Debt collectors can only call you after 8 a.m. or before 9 p.m. unless you give explicit permission.
Harassment or Abuse: Any form of harassment, including repeated calls, the use of profanity, and abusive language, is illegal.
False or Misleading Information: Debt collectors are not allowed to misrepresent the amount owed or falsely threaten legal action they cannot take.
Sharing Information With Others: Debt collectors cannot share information about your debt with third parties, including family members, neighbors, or colleagues.
Dispute Rights: You have the right to dispute the debt, and the collector must stop contacting you until they prove the debt is legitimate.

When Alliant Capital Management, or any debt collector, violates these rules, you can take legal action to stop the harassment and recover compensation for the distress caused.

Is Alliant Capital Management a Legitimate Company?

Given its tactics, you may wonder if Alliant Capital Management is even a legitimate company. According to the Better Business Bureau (BBB), Alliant Capital Management is a real debt collection agency that has been operating for several years. However, that doesn’t mean its methods are always lawful or ethical.

Like many debt collection agencies, Alliant Capital Management has a record of complaints filed against it, particularly for aggressive phone harassment and unfair practices. If they contact you, knowing your rights under the FDCPA is crucial to ensure they do not cross legal boundaries.

Harassment Tactics Used by Alliant Capital Management

If you’ve been receiving harassing phone calls from Alliant Capital Management, it’s essential to recognize the signs of illegal activity. Here are some of the common tactics that collection agencies like Alliant Capital Management may use, which could be considered harassment:

Use of Profane or Abusive Language: It is against the law if they are rude or abusive over the phone or use threatening or foul language.
Calling at Unreasonable Hours: If they call you before 8 a.m. or after 9 p.m., they are violating the FDCPA.
Excessive Calling: Calling multiple times a day or week, especially after you’ve requested them to stop, is considered harassment.
Discussing Your Debt With Others: It is illegal to contact family members, neighbors, or coworkers about your debt.
Calling Your Place of Employment: Debt collectors are not allowed to contact you at work unless you give permission.
Threatening Legal Action: If Alliant Capital Management threatens to sue you or damage your credit without the intent or legal authority, they breach the law.
Calling for Someone Else’s Debt: If they keep calling you for a debt that belongs to someone else, even after you’ve explained the error, this can be considered harassment.
Failing to Inform You of Your Rights: Debt collectors must notify you of your right to dispute the debt; if they fail to do so, they violate the FDCPA.
Attempting to Collect More Than You Owe: If Alliant Capital Management tries to collect more than you legally owe or adds unauthorized fees, this is illegal.

If Alliant Capital Management uses any of these tactics, you may have a case against them. It’s essential to document every instance of harassment and contact a legal professional to stop the calls and potentially recover damages.

Are You Receiving Calls From These Alliant Capital Management Phone Numbers?

Debt collectors often use multiple phone numbers to contact debtors, and Alliant Capital Management is no different. If you are receiving calls from any of the following numbers, you may be a victim of harassment:

(800) 211-1435
(916) 631-7085

Remember that these are just a few of the numbers they use. Alliant Capital Management may also contact you from other numbers, so it’s crucial to keep track of any calls that seem suspicious or harassing. If you’re receiving unwanted calls from any number linked to this agency, it’s time to act.

Common Questions About Alliant Capital Management

Is Alliant Capital Management a scam?
- No, Alliant Capital Management is a legitimate debt collection agency. However, their methods can sometimes cross the line into harassment, which is illegal.
Can Alliant Capital Management garnish my wages?
- In some cases, yes. If your debt is tied to a federal student loan or if they obtain a court judgment, they can garnish your wages.
Can Alliant Capital Management sue me?
- Yes, they can file a lawsuit if your debt is within the statute of limitations. However, many threats of legal action are empty. Always consult with a lawyer before making any payments.
Can they report my debt to the credit bureaus?
- Debt collectors can report delinquent debts to credit bureaus, impacting your credit score.
Can Alliant Capital Management have me arrested?
- No, debt collectors do not have the authority to arrest you. However, if you fail to comply with a court order (such as a court date), a judge could issue a warrant for your arrest.

What Should You Do About Alliant Capital Management Debt Collection Harassment?

If you’re experiencing Alliant Capital Management debt collection harassment, you don’t have to handle it alone. The FDCPA gives you the right to take legal action to stop these calls and potentially receive compensation. The Wood Law Firm has been helping clients stop debt collection harassment since 2010, and we can help you do the same.

Our team of experienced attorneys specializes in holding debt collectors accountable for illegal behavior. We’ll work with you to document the harassment, stop the calls, and take action against Alliant Capital Management to ensure they comply with the law. In many cases, we can also help you recover damages for the stress and inconvenience caused by their unlawful behavior.

Success Stories From Our Clients

Our clients have successfully stopped harassing calls from debt collectors and regained peace of mind. Here are a few testimonials from people we’ve helped:

“Debt collectors were constantly harassing me, and it felt like I had no way out. The Wood Law Firm stepped in, and the calls stopped almost immediately. I even received compensation for my troubles!”
“Alliant Capital Management wouldn’t stop calling me, even though I kept telling them I didn’t owe the debt they were chasing. The Wood Law Firm helped me dispute the debt and get the calls to stop. I can’t thank them enough!”
“I was scared when Alliant Capital Management threatened to sue me, but The Wood Law Firm helped me understand my rights. They stopped the harassment, and I was able to breathe again.”

If you’re ready to stop the harassment, contact us today at +1 844-638-1122 or visit our website for more information.