Stop Alliant Capital Management debt collection harassment by documenting violations, sending a cease-and-desist letter, and contacting The Wood Law Firm at +1 844-638-1122. You may recover up to $1,000 in statutory damages under the Fair Debt Collection Practices Act (FDCPA) with no upfront costs.
Who Is Alliant Capital Management
Alliant Capital Management is a debt collection agency based in Buffalo, New York, founded in 2013. You may be wondering, is Alliant Capital Management a legitimate company or a scam? Alliant Capital Management is a legitimate business operating under federal debt collection regulations.
The company maintains an A+ rating from the Better Business Bureau, yet has faced numerous complaints alleging violations of the Fair Debt Collection Practices Act.
The agency works with lenders, retail credit providers, credit card companies, and other creditors to recover outstanding debts.
Common complaints highlight aggressive and potentially unlawful collection tactics, including excessive calling, workplace harassment, and threats of legal action. Understanding who they are and how they operate helps you better navigate any interactions with this debt collection agency.
How the FDCPA Protects You from Alliant Capital Management Harassment
The Fair Debt Collection Practices Act is a federal law specifically designed to stop agencies like Alliant Capital Management from using harassment, deception, and abuse during debt collection. When Alliant Capital Management contacts you to collect a debt, they must follow strict FDCPA rules governing their collection methods.
The law establishes specific restrictions on when, where, and how Alliant Capital Management can communicate with you.
FDCPA Rules Alliant Capital Management Must Follow
- Contact Time Restrictions: Alliant Capital Management cannot call you before 8:00 a.m. or after 9:00 p.m. in your time zone under 15 U.S.C. 1692c.
- Prohibition of Harassment: Any form of harassment, including repeated calls, profanity, or abusive language, violates 15 U.S.C. 1692d.
- No False or Misleading Information: Alliant Capital Management cannot misrepresent the amount owed or falsely threaten legal action they cannot take under 15 U.S.C. 1692e.
- Third-Party Disclosure Prohibited: Alliant Capital Management cannot share information about your debt with family members, neighbors, or colleagues under 15 U.S.C. 1692b.
- Dispute Rights: You have the right to dispute the debt, and Alliant Capital Management must stop contacting you until they prove the debt is legitimate under 15 U.S.C. 1692g.
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.
Common Alliant Capital Management Harassment Tactics
Common Alliant Capital Management harassment tactics include excessive calling, threats of legal action without authority, abusive language, and contacting family or workplace. Here are specific violations consumers frequently report:
- Use of Profane or Abusive Language: Using rude, threatening, or foul language during calls violates 15 U.S.C. 1692d.
- Calling at Unreasonable Hours: Calling before 8:00 a.m. or after 9:00 p.m. violates 15 U.S.C. 1692c.
- Excessive Calling: Calling multiple times daily or weekly, especially after you’ve requested them to stop, constitutes harassment under 15 U.S.C. 1692d.
- Discussing Your Debt With Others: Contacting family members, neighbors, or coworkers about your debt violates 15 U.S.C. 1692b.
- Calling Your Workplace: Debt collectors cannot contact you at work without permission under 15 U.S.C. 1692c.
- Threatening Legal Action: Threatening to sue you or damage your credit without intent or legal authority violates 15 U.S.C. 1692e.
- Calling for Someone Else’s Debt: Continuing to call for a debt belonging to someone else after being informed of the error constitutes harassment.
- Failing to Inform You of Your Rights: Alliant Capital Management must notify you of your right to dispute the debt under 15 U.S.C. 1692g.
- Attempting to Collect More Than You Owe: Adding unauthorized fees or collecting more than legally owed violates 15 U.S.C. 1692f.
If Alliant Capital Management uses any of these tactics, document every instance and contact The Wood Law Firm to stop the calls and potentially recover damages. We’ve successfully handled similar cases against Capital Accounts and other aggressive collectors.
Phone Numbers Used by Alliant Capital Management
Phone numbers used by Alliant Capital Management include
- (800) 211-1435 and
- (916) 631-7085
Though the agency uses multiple numbers to contact debtors.
They may contact you from other unlisted numbers, so keep track of any calls that seem suspicious or harassing.
If you’re receiving unwanted calls from any number linked to this agency, contact The Wood Law Firm at +1 844-638-1122 for immediate assistance.
How to Stop Alliant Capital Management Calls
Stop Alliant Capital Management calls by sending a cease-and-desist letter via certified mail with return receipt requested. Under FDCPA 15 U.S.C. 1692c, debt collectors must stop all communication after receiving your written request, except to confirm cessation or notify you of specific legal actions they intend to take.
Steps to Send a Cease-and-Desist Letter
- Draft Your Letter: Write a clear statement: “I am invoking my right under 15 U.S.C. 1692c to request that Alliant Capital Management cease all communication with me regarding the alleged debt.”
- Include Identifying Information: Add your name, address, and any account or reference numbers provided in their communications.
- Send Via Certified Mail: Mail to Alliant Capital Management with a certified mail and a return receipt requested.
- Keep Documentation: Keep copies of the letter, certified mail receipt, and the return receipt when it arrives.
- Document Future Contact: Document any calls or letters received after they receive your cease-and-desist letter, as each violation can result in additional statutory damages.
Can Alliant Capital Management Sue You or Garnish Wages
Alliant Capital Management can sue you for unpaid debts if the debt is within your state’s statute of limitations. They may garnish your wages or levy on your bank account if they obtain a court judgment.
However, the FDCPA prohibits them from making empty threats to sue you or garnish wages without genuine intent and legal authority.
A third-party debt collector must obtain a judgment before garnishing wages. Threatening immediate wage garnishment or lawsuit without filing legal action violates 15 U.S.C. 1692e. If Alliant Capital Management threatens legal action they don’t intend to take, you have grounds for an FDCPA violation claim.
Your Rights Under the FDCPA
Your rights under the FDCPA include the right to dispute debts, request validation, stop direct communication, and sue for harassment. Understanding these rights empowers you to take control and protect yourself from unfair practices.
Key Consumer Rights
- Right to Dispute the Debt: You can dispute the debt in writing within 30 days of receiving initial communication. This temporarily stops collection activity until the debt is verified.
- Right to Request Validation: You can request validation, including the amount owed, creditor name, and relevant information to ensure accuracy.
- Right to Stop Communication: You can request that Alliant Capital Management stop communicating by sending a cease-and-desist letter for immediate relief from harassment.
- Right to Sue: If they violate the FDCPA, you can sue for up to $1,000 in statutory damages, plus attorney fees and court costs.
- Right to Report Complaints: You can report violations to the Federal Trade Commission, Consumer Financial Protection Bureau, and your state’s Attorney General’s office.
How to Remove Alliant Capital Management from Your Credit Report
Remove Alliant Capital Management from your credit report by disputing inaccurate information with credit bureaus. If the debt is found inaccurate or paid in full, it can be deleted. However, valid unpaid debts typically remain on your credit report for seven years from the original delinquency date.
If you dispute a debt, Alliant Capital Management must cease collection activities until it provides validation of the alleged debt amount. If they fail to validate, you can request removal from your credit report. The Fair Credit Reporting Act provides additional protections ensuring credit reporting agencies maintain accuracy and privacy of consumer information.
Similar tactics have been used by Central Management Group, which also faces complaints about credit reporting violations.
How The Wood Law Firm Stops Alliant Capital Management Harassment
The Wood Law Firm stops Alliant Capital Management harassment by immediately intervening on your behalf, investigating FDCPA violations, and pursuing maximum compensation for illegal collection tactics.
Since 2010, we have specialized exclusively in holding debt collectors accountable for illegal behavior, maintaining an A+ Better Business Bureau rating while recovering damages for hundreds of harassment victims.
Our Process
We 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 help you recover damages for stress and inconvenience caused by their unlawful behavior.
We handle all cases on contingency with no upfront costs. The FDCPA requires debt collectors to pay our attorney fees, so you never pay out-of-pocket for representation.
Our team has successfully stopped harassment from agencies like American Debt Management and Midland Credit Management using aggressive legal strategies that hold collectors accountable.
Attorney Jeff Wood Leads Consumer Protection Practice
Attorney Jeff Wood leads our consumer protection practice with extensive FDCPA litigation experience. He has handled hundreds of debt harassment cases, establishing a proven track record of stopping illegal collection practices and securing compensation for victims.
Jeff’s practice focuses exclusively on protecting consumers from debt collector violations, ensuring personalized attention and aggressive representation. His approach combines thorough legal knowledge with a genuine understanding of the stress that debt collection harassment causes.
What Clients Say About Stopping Harassment
“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. Highly recommend their services.”
“Several collectors 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 for their professionalism.”
“I was scared when a collector 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. Their expertise made all the difference.”
Frequently Asked Questions About Alliant Capital Management
1. Who does Alliant Capital Management collect for?
They collect debts for banks, lenders, credit card companies, and other financial institutions on behalf of original creditors.
2. Does Alliant Capital Management report to credit bureaus?
Yes, they can report your debt, which may lower your credit score if unresolved. Inaccurate reporting can be disputed under the Fair Credit Reporting Act.
3. Can Alliant Capital Management garnish my wages?
Only with a valid court judgment or for federal student loans. Empty threats without legal authority violate 15 U.S.C. 1692e.
4. How can I stop calls from Alliant Capital Management?
Send a cease-and-desist letter via certified mail and contact The Wood Law Firm at +1 844-638-1122 for legal assistance.
5. Can Alliant Capital Management sue me over a debt?
Yes, if the debt is within the statute of limitations. However, many threats are bluffs intended to pressure payment without legal action.
6. How do I request debt validation from Alliant Capital Management?
Send a written request within 30 days of their first contact, asking for proof, including the creditor name, account number, and amount owed.
7. Can debt collectors contact my family or workplace?
No, sharing your debt details with others violates 15 U.S.C. 1692b. Workplace contact is prohibited once you inform them that calls are not allowed.
8. Can I negotiate a settlement with Alliant Capital Management?
Yes, you may negotiate a reduced balance or payment plan. Always get settlement agreements in writing before making any payments.
9. Will ignoring Alliant Capital Management make them stop?
No, ignoring them usually leads to more calls or lawsuits. It’s better to dispute the debt or seek legal help immediately.
10. Can I sue Alliant Capital Management even if I owe the debt?
Yes, owing a debt doesn’t give collectors the right to violate the FDCPA. You can recover statutory damages regardless of debt validity.
For additional information about your rights under federal law, visit the Federal Trade Commission and the New York State Attorney General.
