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Debt collection agencies can be aggressive when attempting to collect debts from consumers. Calling you repeatedly and pressuring you to make payment can cause anxiety and affect your daily life. 

Collection agencies make money from fees and costs they charge their client, often between 20% to 50% of the outstanding debt. This practice gives them an incentive to pressure you to pay your debt, sometimes beyond what the law allows.  

Working with skilled debt collection lawyers at Agruss Law Firm can help you understand your protections under federal law and pursue legal action if a collection agency like Allegiant Capital Recovery Services violates your rights. 

What is Allegiant Capital Recovery Services?

Allegiant Capital Recovery Services specializes in debt recovery. The company offers its clients medical collections services, post-judgment recovery, and pre-collection services. Pre-collection relates to all actions that allow consumers to close their accounts before litigation comes into play. 

Allegiant Capital Recovery Services offers collection services to small businesses, along with their work with larger clients. Allegiant Capital has 30 employees and 6 managers who track down unpaid invoices for clients in all 50 states. The debt collection agency boasts 150,000 resolved accounts through what it describes as “innovative, ethical practices.” However, if Allegiant Capital Recovery Services violates your consumer rights when pursuing a debt, you may be entitled to money, and they will pay your legal fees.   

What Does the Better Business Bureau Rate Allegiant Capital Recovery Services?

Allegiant Capital Recovery Services, LLC’s Better Business Bureau (BBB) profile lists the company’s address as 3280 South Park Ave, Suite 1, Lackawanna, NY. The collections agency is not BBB accredited and has a C+ rating. 

There are currently no customer reviews on Allegiant Capital’s BBB profile; however, the profile contains seven consumer complaints. The primary complaint by consumers reports being contacted about invalid debt or debt that the consumer already paid off. 

In a few of these cases, Allegiant replies with admissions that their clients could not produce documents supporting the debt claim in a reasonable amount of time.

Is Allegiant Capital Recovery Services Harassing You?

Consumers who fall victim to debt collection harassment may not know federal law’s limits on these agencies. Understanding what constitutes debt collection harassment can help you take action to stop harassing communications and take all necessary measures to protect your consumer rights. 

Common debt collection harassment violations include:

  • Leaving you a message without identifying themselves as a debt collector
  • Calling you at work without your permission or talking to your employer about your debt
  • Telling your friends, family, or others that you owe a debt
  • Continue to contact you after you ask them to stop calling
  • Calling you at all hours of the day
  • Threatening you with legal action
  • Not marking disputed debt on your credit report correctly

Keep in mind that even though debt collectors cannot remove possessions without your permission, they can implement a legal process known as garnishment. This court order freezes assets in your checking account or other bank accounts and allows a debt collector to take money from them. Debt collectors may also be able to garnish your wages through a court order. 

You can avoid garnishment by working with a consumer law attorney at our law firm. We can help you handle the debt collection agency and respond quickly to any legal action they take. An experienced lawyer understands your legal protections and can take steps if Allegiant Capital Recovery Services is harassing you.

Legal Protections from Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) is federal legislation that prohibits debt collectors from engaging in harassing behaviors to make consumers pay their debts. The FDCPA limits collection agencies like Allegiant Capital Recovery Services in what they can do and protects consumers from abuse. 

For example, calling you at all hours of the day or night to badger you about debt is illegal. The law allows a window between 8 a.m. and 9 p.m. where the debt collector may contact you.

The FDCPA also governs how the debt collection agency can communicate with you. A debt collector may not use abusive language or threaten you with arrest, property confiscation, or violence. They are not permitted to use false statements about your debt to mislead you.

Federal law goes one step further in that it prevents Allegiant Capital Recovery Services and other debt collection agencies from contacting another person in your environment other than to get your contact information. 

If Allegient Capital Recovery Services violates the FDCPA, the electronic funds transfer act (EFTA), or any other federal or state laws, you may be eligible for compensation. You can receive $1,000 plus the cost of your damages for violations of the FDCPA.

What Should I Do if Allegiant Capital Recovery Services Contacts Me?

Constant calls from Allegiant Capital Recovery Systems or other debt collection agencies can be troubling. To stop the calls and resolve the issue without it taking a toll on your mental health, start by remaining calm. 

Don’t antagonize the caller and avoid discussing the debt with the debt collection agent. Instead, limit your communication to stating that you will only take calls from their attorney.

Documenting harassing behavior in an official capacity is essential for proving repetitive, abusive behavior. One way to do this is to file a complaint with the Consumer Finance Protection Bureau. Furthermore, sending a cease and desist letter shows that you are proactively attempting to curb the debt collector’s overreach. 

An attorney at Agruss Law Firm can help you navigate the process to take all proper legal action without any missteps. 

Getting Protection Against Debt Collector Harassment With Agruss Law Firm

Being proactive and pushing back against debt collection harassment is essential for your well-being but can also help your credit report. Debt collectors can often pass accounts onto credit bureaus despite issues arising from an error by the collection agency or their client. If uncontested, this harms your credit score, damaging your access to affordable credit.

A free consultation with one of Agruss Law Firm’s debt collection lawyers can help you stop abusive practices by debt collection agencies. We know how to stop the harassment and get you damages for violation of your consumer rights. Find out how you can enjoy peace of mind and potentially pursue legal action against Allegiant Capital Recovery Services for illegal behavior.

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