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A tough economy, personal financial difficulty, or an emergency can cause you to fall behind on a student loan payment, a medical bill, or an electricity bill. Non-payment can happen to anyone, and no entity has the right to treat you with disrespect or threaten your wellbeing in an attempt to collect on your debt.

If you’re dealing with calls from Allied Account Services, contacting a consumer protection attorney can help. A debt collection lawyer can give you the legal advice you need to rid yourself of the harassment Allied Account Services displays in their attempt to collect an account.

What Is Allied Account Services?

Allied Account Services is a debt collection agency located in Bethpage, New York, with their listed phone number being (800) 486-2929. The debt collector focuses on recovering debts for higher education institutions and utility companies but also does work for municipalities, credit unions, oil and alarm companies, and self-paid medical.

Are There Complaints Against Allied Account Services?

Allied Account Services is listed on the Better Business Bureau website as being accredited since 2017. Although the BBB site gives the debt collection agency an A- rating, Allied Account Services has 18 consumer complaints.

Several complaints have to do with errors affecting the consumers’ credit reports. Some cases involve Allied Account Services continuing to call debtors long after settling their debts. Reviewers on Yelp have called Allied Account Services a scam, stating that the service collection practices are not trustworthy and collectors won’t identify themselves when they call. 

What Are My Consumer Rights if Allied Account Services Contacts Me?

With 6,376 debt collection firms in the United States as of 2022, many consumers will receive a call for a missed payment or a debt mistakenly attributed to them by an agency. Errors include mistaken identity, incorrect address attribution, and typos. 

Understanding your rights, whether you owe the debt or are the victim of a clerical error, is essential to safeguarding your credit score and peace of mind. Knowing debtor protection laws can help you understand when to take action to correct your credit report and stop abusive behavior from agencies like Allied Account Services.

If Allied Account Services contacts you, you have certain consumer rights under federal and state laws. For example, the debt collector must provide you with a written notice that includes the debt amount, the original creditor’s name, and your right to dispute the debt within 30 days. 

Federal Laws

The protections available to consumers are outlined in the Federal Debt Collection Practices Act (FDCPA), a law that governs debt collectors’ conduct. Under the FDCPA, the debt collector cannot contact you at an unreasonable time or place, such as early in the morning, late at night, or at your place of employment. 

Debt collectors cannot threaten to garnish your wages or claim that authorities will arrest you. Additionally, the debt collector cannot use abusive or threatening language, cannot falsely claim to be from a government agency, and must respect your right to privacy. The latter includes abiding by provisions prohibiting debt collection agencies from contacting employers, family members, or friends to speak to them about your financial matters. 

Besides federal and state debt protection laws, collection agencies must abide by the 

Telephone Consumer Protection Act (TCPA). The TCPA is a law that prohibits the use of robocalls without first securing your consent. 

Debt collection agencies must identify themselves and the reason for their call immediately. Allied Account Services cannot contact you by mobile phone without your consent, and the agency cannot send text messages to your phone before checking with you to obtain your permission.

If a debt collector violates your rights as a consumer, file a complaint with the Consumer Financial Protection Bureau. Then, reach out to a debt collection harassment lawyer to help draft a cease and desist letter to Allied Account Services to prevent the debt collector from contacting you further.

How a Consumer Protection Attorney Can Help

An experienced consumer protection attorney can hold the agency accountable. You may win up to $1,000 for a collection practices violation lawsuit and any legal costs you incur in the process if you prove harassment by a debt collection agency. 

Also, debt collection agencies are much more likely to immediately cease illegal conduct when they know the consumer has a knowledgeable lawyer by their side. The FDCPA places a statute of limitations of one year for debt collection harassment. 

By hiring a reliable consumer protection lawyer early on, the debt collector will know you have adequate time to pursue your claim and the legal backing to hold them accountable. 

Stop Harassment From Allied Account Services

Seeking assistance from a consumer protection lawyer to help you deal with an oppressive collection agency can lift the burden of stress so you can focus on getting your finances in order.

Mike Agruss Law stands by consumers who are being harassed by debt collection agencies. We can help you understand your rights, send a cease and desist letter, and take the agency to court if they continue to violate your rights. 

Contact us today for a free, no-obligation consultation of your claim.

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