Allgate Financial Phone Harassment?
Is Allgate Financial (AF) calling you? Stop Allgate Financial phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop AF phone harassment. If a collection agency commits a violation of the FDCPA, such as harassment, threats, or other prohibited behaviors, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to Debt Collection
Debt collection is a process that begins when a creditor enlists a collection agency, such as Allgate Financial LLC, to recover unpaid debts from consumers or businesses. As a debt collection agency, Allgate Financial is required to follow fair debt collection practices as outlined by the Fair Debt Collection Practices Act (FDCPA). This federal law, enforced by the Federal Trade Commission (FTC), sets strict guidelines for how debt collectors may contact and communicate with consumers during the debt collection process.
When a debt collector attempts to collect a debt, they may reach out to the consumer by phone, letter, or email to request payment. However, the FDCPA and state laws, including those in Illinois where Allgate Financial is based, prohibit debt collectors from using abusive, threatening, or misleading tactics. Debt collectors are not allowed to harass consumers, contact family or friends about the debt without permission, or make false statements about the amount owed or the consequences of non-payment.
Consumers have important rights when dealing with a debt collection agency. For example, you have the right to request that a debt collector stop contacting you, and the collector must honor this request. Debt collectors are also required to provide accurate information about the debt and must not disclose your debt to third parties. If a debt collector violates these rules, you may be eligible to receive compensation, and the collector could face penalties.
The Better Business Bureau (BBB) and the FTC both provide resources to help consumers understand their rights and file complaints if they believe a debt collector has acted illegally. In Illinois, the Illinois Collection Agency Act requires debt collectors to be licensed and to follow additional state-specific regulations. If you believe your rights have been violated, you can file a complaint with the Illinois Attorney General’s office or seek assistance from a consumer rights attorney.
Understanding the debt collection process and your rights as a consumer is essential to protecting yourself from harassment and ensuring fair treatment. If you are contacted by a debt collector or a company like Allgate Financial, take the time to learn about your rights, keep records of all communications, and don’t hesitate to seek help if you feel you are being treated unfairly. For more information, you can visit the websites of the FTC, BBB, or your state’s consumer protection office to start learning about your rights and the steps you can take to address any issues with debt collectors.
Is Allgate Financial a Scam?
According to the Better Business Bureau website, Allgate Financial has been in business for 12 years.
Allgate Financial Better Business Bureau
Who is Allgate Financial?
Allgate Financial is a third party debt collector located in Chicago, Illinois. As part of their operations, Allgate Financial manages account information, including balances, payment history, and ownership interest, to ensure proper debt management and legal compliance. The company is also involved in buying and selling debt portfolios, tracking debts as they move through various stages of collection. Personal and financial information may be collected through forms during the debt collection process, and Allgate Financial limits access to sensitive information to authorized personnel only. Maintaining an accurate record of consumer information and communications is a priority, and the company is required to respond to consumer requests and correct inaccuracies in a timely manner.
AF has been a party to a Federal Court case over 30 times. They have been accused of violating consumer’s rights and using illegal and harassing communication tactics, including personal calls to a consumer’s workplace or place of employment, and contacting co-workers, which is restricted by law. Communications may be directed at consumers in ways that could be considered harassment, and threats, such as threats of violence or arrest, are strictly prohibited. Certain actions are only permitted under the law, while others are strictly prohibited to protect consumer rights. The purpose of debt collection communications is to collect a debt, and all activities must comply with legal and regulatory requirements.
Allgate Financial Collection Tactics
If Allgate Financial engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Allgate Financial Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
866-910-3711, 855-255-4283, (866) 910-3711, (855) 255-4283, 8669103711, 8552554283,
If the answer is yes, then you are receiving calls from a known AF number. You may be a victim of AF phone harassment. The list above is not all the numbers that AF uses. The calls can be from a different number and it still be Allgate Financial calling you. Contact our office right away so we can start the process to stop AF from calling you illegally. Above all, no one should live with harassment!
Common Questions
Is AF a scam? No, Allgate Financial has been in business for 12 years.
Can Allgate Financial garnish my wages? Yes, AF can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AF sue me? Yes, AF can sue you so long as the debt is within the statute of limitations
Can AF report my debt to the collection bureaus?
Can AF arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Allgate Financial in the past and can be found on Pacer.org.
1:16-cv-23061-CMA Lambe v. Allgate Financial, LLC
3:12-cv-02274-AJB-NLS Cincotta v. Allgate Financial, LLC
3:13-cv-00636-P Janusch et al v. Allgate Financial LLC
5:13-cv-00317-R Reynolds et al v. Allgate Financial LLC
2:14-cv-02516-JWL-GLR Hayes v. Allgate Financial LLC
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Allgate Financial harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Allgate Financial. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
