Are you receiving stressful calls from Alliance Asset & Recovery Inc (AAR)? Debt collection calls can feel overwhelming, especially when the collector uses aggressive or threatening tactics. Remember: debt collection harassment is illegal under the Fair Debt Collection Practices Act (FDCPA). This law protects you from abusive, unfair, or deceptive practices and allows you to pursue legal remedies including attorney’s fees and damages if your rights are violated.
You are not alone. Understanding your rights and the steps you can take can help you stay calm, protect your finances, and regain peace of mind.
Who is Alliance Asset & Recovery Inc?
According to their website, Alliance Asset and Recovery Inc is a full-service mediation company, found in Western New York. Their focus is on consumer and client complete satisfaction. They supply liquidations beyond their client expectations, without sacrificing the customer service that makes them so valuable! The landscape of debt collection companies includes both reputable firms like ours and those that have faced legal bans and consequences.
- Alliance Asset and Recovery Inc Address: 2345 SHERIDAN DRIVE, Tonawanda, NY 14150
- Phone: 1-833-883-2774
Alliance Asset & Recovery Harassing Tactics
| You May Face | What You Can Do / Legal Guidance |
|---|---|
| Repeated calls or calls at inconvenient times | Keep detailed records of all calls and letters; document dates, times, and content of conversations. |
| Threats of legal action or arrest | File a complaint with the FTC or your state Attorney General to report violations. |
| False or misleading statements about the debt | Seek guidance from a consumer rights attorney to understand your rights and potential remedies. |
| Adding unfair fees or interest | Remember: debt collectors cannot demand unauthorized payments; the law protects you from these practices. |
| Disclosing your debt to friends, family, or employers | Violations of these rules constitute FDCPA breaches. You may take legal action and recover damages if your rights are violated. |
How FDCPA Protect you?
Limits on Communication: Debt collectors are not allowed to call you before 8 AM or after 9 PM unless you give consent. They must also respect your request not to contact you at work. If you send a written request asking them to stop, the law requires that they comply.
No Harassment or Abuse: Debt collectors are not allowed to use threats or violence under any circumstances. They also cannot make repeated calls designed to annoy or harass you. Additionally, using profane or abusive language is strictly prohibited by law.
No False Statements: Debt collectors cannot pretend to be attorneys or government officials. It is also illegal for them to threaten legal action they don’t actually intend to take. Additionally, they are prohibited from misrepresenting the amount you owe.
Validation of Debts: Collectors are required to provide a written validation notice within five days of their first contact. This notice confirms that the debt is legitimate and explains how you can dispute it if you believe it is incorrect.
Protection from Unfair Practices: Debt collectors are not allowed to charge unauthorized fees or add extra interest to your debt. They also cannot threaten to seize your property without proper court approval.
How to Stop Alliance Asset & Recovery Inc. Calls
Send a Written Cease-and-Desist Letter
Request that AAR stop calling you. By law, they must comply except to confirm receipt or notify you of legal action.
Report violations to the FTC or your state Attorney General. These agencies can investigate and hold collectors accountable.
A consumer rights attorney can review your case, validate debts, and guide you on next steps.
Consider a Lawsuit
If AAR harasses you or violates the FDCPA, you may sue for statutory damages, actual damages, and attorney’s fees.
Always keep detailed records of all communications, they can strengthen your case.
Can Alliance Asset & Recovery Inc Sue or Arrest You?
AAR cannot have you arrested; debt is a civil matter. They may file a lawsuit if the debt is valid and within the statute of limitations, but responding promptly protects you from default judgments. A lawyer can review your debts, check legal limits, and help craft a safe, effective response. You are never powerless as legal protections exist to shield you from threats and intimidation.
Removing AAR From Your Credit Report & FCRA Protections
If you have accounts with Alliance Asset & Recovery Inc (AAR) on your credit report, it’s important to monitor them closely. Start by reviewing your credit report carefully to identify any AAR accounts and ensure all information is accurate.
If you notice errors or inaccuracies, you have the right to dispute them in writing. The credit bureau must investigate your dispute, usually within 30 days. Keep in mind that paying a debt does not automatically remove it from your report. Consulting a professional attorney or credit advisor can help correct reporting issues and protect your credit score.
The Fair Credit Reporting Act (FCRA) further protects your rights by ensuring that your credit report is accurate and used fairly. Under the FCRA, you can:
Access your credit report from each major bureau for free once per year.
Dispute any inaccuracies; the bureau must investigate and correct errors within 30 days.
Ensure that negative information, such as late payments or collections, is removed after seven years.
Take legal action if a credit reporting agency violates your rights, including seeking damages and attorney’s fees.
AAR, as a debt collector, is required to comply with the FCRA when reporting accounts. Regularly monitoring your credit and understanding these protections helps you maintain your financial health and ensures your rights are respected.
Conclusion
Dealing with Alliance Asset & Recovery Inc can be stressful, but you have strong legal protections under the FDCPA and FCRA. By knowing your rights, monitoring your credit, and seeking professional guidance, you can stop harassment, correct reporting errors, and protect your financial well-being. Remember, you are not alone as legal experts can help you navigate each step safely and confidently.
Get Legal Help Today!
Consumer Rights Law Firm is a law firm that specializes in helping clients who are facing Alliance Asset & Recovery Inc debt collection harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Alliance Asset and Recovery Inc. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
FAQs
What is Alliance Asset & Recovery Inc and why am I getting calls?
Alliance Asset & Recovery Inc is a third-party debt collection agency contacting you to collect a debt they believe you owe. They may have acquired your account from an original creditor or another collector.
How can I tell if Alliance Asset & Recovery Inc is a scam or legitimate?
Ask them for their company name, address, phone number, and details of the debt. Ask for a validation notice in writing. Legitimate collectors must provide this information. If they refuse, it could be a scam.
Are repeated calls from Alliance Asset & Recovery Inc considered harassment?
Yes. Under the FDCPA, placing excessive or repetitive calls more than seven times in one week or using abusive language can constitute harassment and violate your rights.
What should I do if Alliance Asset & Recovery Inc calls me at work or on weekends?
You can inform them in writing not to call your workplace or outside permitted hours (before 8 am or after 9 pm). If they continue, it’s a violation of the FDCPA.
Can Alliance Asset & Recovery Inc threaten arrest or legal action to intimidate me?
No. Debt collectors cannot threaten you with arrest or legal action they don’t intend to take. Such false threats are illegal and violate the FDCPA.
What rights do I have to dispute or validate the debt?
Within five days of first contact, you have the right to request written validation of the debt, including amount owed and creditor details. They must stop collection until validation is provided.
Can I sue Alliance Asset & Recovery Inc for harassment?
Yes. If they violate the FDCPA (e.g., harassment, false statements), you may sue them in federal court within one year and potentially recover statutory damages, legal fees, and actual damages.
Can Alliance Asset & Recovery Inc affect my credit score?
Yes. They can report your debt to credit bureaus if the debt is legitimate, which may lower your credit score. You can dispute any inaccurate entries on your credit report.
How can I make Alliance Asset & Recovery Inc stop contacting me?
Send a written cease-and-desist letter asking them to stop contacting you. They must then stop all communications except to confirm receipt or to take legal action.
What if they use robocalls or spoofed numbers?
If they call using robocalls without your prior consent or use spoofed numbers, it’s likely a violation of federal law (TCPA and FDCPA). You may have grounds for legal action.
