AllianceOne Receivables Management debt collection agency is bound by the Fair Debt Collection Practices Act. Learn more about the company and how you can stop harassing debt collection calls.
AllianceOne Receivables Management, Inc. is a legitimate third-party collection agency based in Pennsylvania. AllianceOne Receivables Management, Inc. has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and using false or misleading information in an effort to collect a debt. If AllianceOne Receivables Management, Inc. has contacted you about past due financial obligations,make sure you understand your rights before you respond.
According to its website, AllianceOne Receivables Management, Inc. bills itself as one of the leading accounts receivables providers offering a complete range of collection services and contact center solutions designed to meet the diverse needs of its clients. AllianceOne Receivables Management, Inc was “formed… through the acquisition and merger of five well-established companies with impeccable reputations with national, regional, and market-specific accounts receivable companies.” Today, AllianceOne Receivables Management, Inc. has locations “throughout the United States, Canada, South America, Latin America, India, the Philippines, and the Caribbean.”
AllianceOne Receivables Management, Inc. collection services include industry-specific and client-specific programs “ranging from outbound calling campaigns to inbound call answering and fulfillment services.” AllianceOne’s accounts receivable management team “contacts customers in debt situations, identifies the cause of non-payment and implements a contingency payment plan consistent with” client needs. Services include “welcome calls, non-voice BPO services, first-party collections, third-party collections, and primary and secondary recovery services.” AllianceOne Receivables Management Inc.’s “first- and third-party services…incorporate a wide range of cost and service options that take full advantage of both domestic and international labor markets.” Custom business solutions include “managing, analyzing, and acting on customer data to recognize and minimize risks, efficiently collect payments, and develop stronger customer relationships.”
AllianceOne states that its goal is to “comply with high ethical standards, treat customers fairly, and comply with both the ‘letter’ and ‘spirit’ of all applicable laws, codes, rules, regulations, and standards of good market practice.” However, their Consumers page does not include links or references to consumer protection resources, laws, or enforcement agencies.
AllianceOne Receivables Management, Inc. collects delinquent debts for a variety of businesses and industries, including automotive, banking, financial services companies, education, government agencies, healthcare and medical service providers, retail, telecommunications, and utility providers.
As a third-party debt collection agency, AllianceOne Receivables Management, Inc. is required to adhere to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive debt collection tactics. Nevertheless, consumers have filed complaints accusing AllianceOne Receivables Management, Inc. of violating the FDCPA. Those accusations have included claims that the debt collection agency has threatened to sue consumers without actually intending to do so and talking to third parties about consumers’ debts. It’s imperative that you know your rights under the law before speaking with AllianceOne Receivables Management, Inc. debt collectors.
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AllianceOne Receivables Management, Inc. is not accredited by the Better Business Bureau (BBB), though the BBB currently lists a “A+” rating for AllianceOne Receivables Management, Inc., despite listing 59 complaints against AllianceOne Receivables Management, Inc. in the past three years, only 21 of which have been resolved in the last 12 months. 48 of these complaints alleged problems with billing and collections, while nine complaints alleged problems with services provided by AllianceOne Receivables Management, Inc. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has received 17 complaints against AllianceOne Receivables Management, Inc. all of which contained allegations related to AllianceOne Receivables Management, Inc.’s debt collection practices. In addition, Justia, one of the largest online legal databases in the United States, lists at least 20 federal cases of civil litigation involving AllianceOne Receivables Management, Inc.
If you’ve been contacted by AllianceOne Receivables Management, you have the right to sue them in federal court if the debt collection agency has violated the Fair Debt Collection Practices Act. Signs that you may be on solid legal footing are:
The Fair Debt Collection Practices Act was put into law in order to protect consumers like you, but there’s a catch. While the government sues debt collection agencies that egregiously violate the law, it doesn’t sue agencies on behalf of individual consumers. Instead, the FDCPA has what’s called a fee-shifting provision. This means that, if you sue and win, then the debt collection agency has to pay your court costs and attorney fees. Fee-shifting levels the playing field so that you can assert your rights.
Are you asking yourself…
AllianceOne could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by AllianceOne Receivables Management it’s important to know your rights under the Fair Debt Collection Practices Act. If they’ve violated your rights, you can take the agency to court and sue for statutory damages of up to $1,000 – along with court costs and attorney fees.
Yes. AllianceOne Receivables Management can sue you if you owe the debt, however, threatening to sue or serve you with papers if they don’t intend to do so is a violation of the Fair Debt Collection Practices Act. Additionally, after receiving the first collection notice, you have 30 days to dispute the debt. If you dispute the debt, then AllianceOne is required by the FDCPA to prove that you do, in fact, owe the money. A debt collection agency isn’t allowed to sue you if, for example, the debt is past the statute of limitations or if you do not legally owe the debt. It’s a good idea to speak with a fair debt attorney if you’ve been served with a summons or legal complaint.
Yes. However, AllianceOne Receivables Management cannot threaten you to garnish your wages and garnishment can only only occur if AllianceOne files a lawsuit and obtains a judgment against you. It’s common for consumers to ignore notice of a lawsuit; if you don’t appear in court, the judge may automatically rule against you. Debt collection agencies have been known to avoid serving consumers with notice to increase the odds of obtaining a judgment. This is called “sewer service” or “gutter service.” The bottom line? If wage garnishment takes you by surprise, talk to a consumer attorney who can fight for your rights.
Yes. AllianceOne Receivables Management can report debts in collection to the three major credit reporting agencies – Experian, TransUnion, and Equifax. Once a debt is reported to the credit bureaus, it will appear on your credit report and will impact your credit score.
Yes. However, as with wage garnishment, a property lien can only arise out of a court judgment against you. If AllianceOne files a lawsuit against you and the judge rules in their favor, then the debt collection agency has a right to collect that money. One way of doing that is by putting a lien on your house or property. That’s why it’s imperative to respond to legal papers and to have an attorney by your side who will fight on your behalf.
No. AllianceOne Receivables Management – or any other debt collection agency like AllianceOne for that matter – has no authority whatsoever to arrest you. In fact, threatening you with arrest or jail is a violation of the Fair Debt Collection Practices Act. While so-called “debtors prisons” are illegal, only non-payment of things like traffic tickets can lead a judge to issue a bench warrant, which in turn can lead to arrest.
Yes. You absolutely have the right to sue AllianceOne Receivables Management if you believe AllianceOne violated the Fair Debt Collection Practices Act. The FDCPA says that debt collection agencies that violate the law must pay consumers up to $1,000 in statutory damages, as well as court costs and attorney fees. That’s why engaging a fair debt attorney to represent you in an FDCPA lawsuit typically doesn’t cost you anything out of pocket. The attorney that agrees to take on your case knows that the debt collection agency will be forced to pay their fees.
If AllianceOne Receivables Management – or any other debt collection agency – is calling you to the point of harassment, using abusive or profane language, or violating the FDCPA in some other way, it’s time to fight back. Under the law, you may be entitled to up to $1,000. At Lemberg Law, we won’t charge you a dime out of pocket, and we only get paid when you win. Call us today for a free, no-obligation, case evaluation. We’ll get the justice that you deserve.
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