How to proceed if you are harassed by Allied Interstate
Inquire for identification: If you have been contacted by Allied Interstate, you could reply to their call and ask the caller to identify himself/herself. If it is a phone call regarding debt collection, ask for their physical address.
Debt affirmation: Send a validation letter via certified mail with return receipt requested and
Check credit history: Pull your credit profile to check if they have reported to the agencies. When they have wrongly reported to the credit reporting agencies, you can dispute the same with them.
Don’t settle over phone: Don’t authorize payment on the phone although you may acquire proper affirmation.
Send C&D letter: If you are contacted over a debt you do not owe or where the SOL has ended, you can send them a Cease and Desist letter. When the SOL has ended, you will still are obligated to pay the money but you cannot be prosecuted for it.
Cases Against Allied Interstate, Inc.
Cash v. Allied Interstate, Inc., 2005 WL 1186189 (S.D. Tex. May 18, 2005). Collection notice declaring that the debt collector may send the debt to an attorney, recommend a law suit, or transfer the debt back to the original creditor wasn’t found to be misleading, deceitful, or a violation of the FDCPA. These kinds of actions were legal options. A debt collection notice sent to the consumer declaring that the consumer only had ten days to pay what was regarded as threatening. After 10 days, no actual action was taken, which means this notice was false and deceptive.
Stebbins v. Allied Account Servs., 1991 U.S. Dist. LEXIS
Collector broke the FDCPA by sending a notice to the consumer declaring that the consumer should simply call the debt collector. This is contrary to the fact that the consumer is needed to dispute and request validation in writing.
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