Alliance Financial Management Phone Harassment?
Is Alliance Financial Management (AFM) calling you? Stop Alliance Financial Management phone harassment. Do they threaten to take legal action or garnish your wages? Are you being called 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 AFM phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Alliance Financial Management a Scam?
According to the Better Business Bureau website, Alliance Financial Management has been in business for 15 years. Read more here: Alliance Financial Management Better Business Bureau.
Who is Alliance Financial Management?
Alliance Financial Management is a third party debt collector located in Mountainside, New Jersey. AFM’s job is to collect debts on behalf of creditors, such as credit card companies or other financial institutions. AFM has been sued in Federal Court several times. They have been accused of violating consumer’s rights, including the rights of the debtor, and using illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. It is important for debtors to verify the details of the debts being collected and to identify the original creditor.
🏛️ Alliance Financial Management Address: 1084 Route 22 Mountainside, NJ 07092-2801
📞 Phone: (908) 317-0440
Alliance Financial Management Collection Tactics
If Alliance Financial Management engages in any of the following tactics, you may have a case:
- ➡️ Making improper or illegal threats regarding your debts.
- ➡️ Attempting to discuss your debt with unauthorized third parties.
- ➡️ Demanding immediate payments without proper validation of the debt.
Alliance Financial Management Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 908-317-0440
- 📲 (908) 317-0440
- 📲 9083170440
If the answer is yes, then you are receiving calls from a known AFM number. You may be a victim of AFM phone harassment. The list above is not all the numbers that AFM uses. The calls can be from different numbers and it still be Alliance Financial Management calling you. Contact our office right away so we can start the process to stop AFM from calling you illegally. Be sure to document all calls you receive from AFM, including dates, times, and the content of the calls. Above all, no one should live with harassment!
Legal Framework: What the Law Says About Debt Collection Harassment
When it comes to debt collection, both federal and state laws are in place to protect consumers from harassment and unfair practices by debt collectors. The cornerstone of these protections is the Fair Debt Collection Practices Act (FDCPA), a federal law that sets strict guidelines for how debt collectors and collection agencies can communicate with consumers. Under the FDCPA, debt collectors are prohibited from using abusive, harassing, or intimidating tactics—such as repeated phone calls, threats, or misleading statements—when attempting to collect a debt.
Debt collectors and businesses involved in debt collection must follow fair debt collection practices, which means they cannot make false claims, use threats, or engage in any form of intimidation. They are also required to provide clear disclosures about the debt and respect your rights as a consumer. If you feel you are being harassed, you have the right to file complaints with the Federal Trade Commission (FTC), your state’s Attorney General, or the Better Business Bureau. These organizations can offer guidance and help address your concerns.
Employers and businesses in the debt collection industry also have a responsibility to ensure their workplace is free from harassment and discrimination. This includes providing sexual harassment training to employees and managers, and establishing policies to prevent workplace harassment. By investing in proper training and resources, businesses can help prevent misconduct and ensure compliance with both federal and state laws.
State laws may offer additional protections, such as limiting the number of phone calls a debt collector can make or prohibiting certain types of communication. If you are receiving threats or feel intimidated by a debt collector, it’s important to be aware of your rights under both federal and state laws. Seeking legal support from a qualified law firm or attorney can help you resolve harassment claims and ensure your rights are protected.
If you are contacted by a debt collector, always request written validation of the debt and keep records of all communication. If you believe a collection agency is violating the law, don’t hesitate to report their practices and seek legal guidance. By staying informed and utilizing available resources, consumers and businesses can work together to promote fair debt collection practices and a respectful marketplace for everyone.
The following is a sample list of complaints filed against Alliance Financial Management in the past year and can be found on Pacer.org.
Consumer Rights Law Firm PLLC
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. If you believe your rights have been violated, consult a lawyer to discuss your options. Rather than suffer alone, contact our office to begin the process to stop the Alliance Financial Management harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau, and our experienced associates are dedicated to handling harassment cases with professionalism and care.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Alliance Financial Management call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 When I contacted Consumer Rights Law Firm PLLC, I was overwhelmed by constant calls and letters. Their team quickly assessed my case, filed a complaint, and got the harassment to stop. Their expertise in consumer rights law is unmatched.
- 🏆 I didn’t know what to do when the debt collectors wouldn’t leave me alone—even during work hours. The team at Consumer Rights Law Firm PLLC took my complaint seriously and got results fast. I was treated with respect and care throughout the process.
- 🏆 Not only did Consumer Rights Law Firm PLLC stop the illegal calls, but they also helped me win a settlement for the stress I endured. I never imagined I could be compensated for what I went through. Thank you for fighting for me!
- 🏆 From the first call to the final resolution, everyone I worked with was knowledgeable, kind, and professional. They kept me informed and got the job done. If you’re dealing with debt collection harassment, don’t wait—call them now!
FAQs
Who is Alliance Financial Management and why are they calling me?
Alliance Financial Management is a third-party debt collection agency that contacts individuals regarding past-due accounts. If they are calling, they believe you owe money on a debt they are attempting to collect.
Is Alliance Financial Management a legitimate debt collector or a scam?
They are a licensed debt collection company. Still, you should always request written debt verification to confirm the debt is valid and protect yourself from potential scams.
Can Alliance Financial Management legally harass me with phone calls?
No. Federal laws such as the FDCPA and TCPA prohibit repeated calls, threats, abusive language, or calls made before 8 a.m. or after 9 p.m.
What should I do if Alliance Financial Management keeps calling me?
You should document each call, including the date, time, and content. Sending a written cease-and-desist letter can stop calls, and continued contact may justify filing complaints with regulatory agencies.
Can I dispute or validate the debt they claim I owe?
Yes. You have 30 days from their initial contact to request written proof of the debt. They must stop collection activity until the debt is verified.
Can Alliance Financial Management affect my credit score?
Yes. Reporting a collection account to credit bureaus can negatively impact your credit score. Any errors can be disputed directly with the bureaus.
Does Alliance Financial Management use robocalls or spoofed caller IDs?
Some consumers report receiving calls from masked numbers or automated systems. Calls made without proper consent may violate federal law.
Can I sue Alliance Financial Management for phone harassment?
Yes. If they violate FDCPA or TCPA rules, you may be eligible to recover damages and attorney’s fees.
If I request they stop calling, do they have to comply?
Yes. After receiving a written cease-and-desist request, they may only contact you to notify you of specific legal actions. Additional calls are not allowed.
