Allied Adjustment & Collection is a third-party debt collection agency based in Muncie, Indiana, at 500 West Main Street, and business directories trace its roots in the city back decades. It is a small, local collector rather than a national operation, which makes one step more important here than almost anywhere else: making sure the company calling you is actually this Muncie firm and not one of the many similarly named “Allied” agencies. Because it collects debts owed to other businesses, the Fair Debt Collection Practices Act governs how it may contact you.
Consumer Rights Law Firm PLLC has spent since 2010 stopping unlawful collection calls and clearing up the confusion that surrounds look-alike agencies, and the firm holds an A+ rating with the Better Business Bureau. Reach us at (877) 700-5790 or open a free case review. You will not be charged, because a collector that violated the law is responsible for our fees.
Quick Facts About Allied Adjustment & Collection
| Detail | Information |
|---|---|
| Business Name | Allied Adjustment & Collection |
| Business Type | Third-party debt collection agency |
| Address | 500 West Main Street, Muncie, IN 47305 |
| Phone | (765) 289-2117 |
| Location | Muncie, Indiana (local, not a national chain) |
| Industry Code | SIC 7322, Collection Agencies |
| Governing Law | Fair Debt Collection Practices Act and Indiana collection law |
| Verifiable Public Record | Limited; see the sections below |
| Common Debt Types for Local Collectors | Medical, utility, retail, and other local consumer accounts |
The Most Important Step: Confirm You Have the Right “Allied”
Start here, because the name is one of the most crowded in the collection industry. Allied Adjustment & Collection of Muncie, Indiana is not the same company as Allied Interstate, Allied Collection Services of Las Vegas or California, Allied Account Services of New York, Allied Collection & Credit Bureau of Alabama, Allied Collection Agency of Georgia, or Allied Collection Service of Columbus, Indiana. They all share the word “Allied,” and several of them have extensive complaint histories, lawsuits, and negative review pages of their own, but those records belong to those companies, not to this small Muncie firm.
One thing consumers often misunderstand is that a scary complaint thread or lawsuit found by searching “Allied” may describe an entirely different business hundreds of miles away. Our attorneys always pin down the caller’s exact legal name, address, and phone number first, because a claim, and a defense, rise or fall on suing the correct company. Before you act on anything you read online, confirm that the Muncie, Indiana entity at (765) 289-2117 is the one contacting you.
Why Is Allied Adjustment & Collection Calling You?
Local collection agencies like this one typically work accounts that nearby hospitals, clinics, utilities, landlords, and small businesses could not collect on their own. If you have an unpaid medical bill, a utility balance, or another local debt in the Muncie area, that account may have been placed with Allied Adjustment & Collection to pursue. Because it is a regional firm, the debts it handles often trace to creditors right in the community.
When clients come to us about a small local collector, the account is frequently something they thought was already handled, a balance they never received a clear bill for, or a debt tied to a service they dispute. You have the right to make the agency prove the debt is yours before you pay, no matter how routine the call sounds.
Are the Calls From Allied Adjustment & Collection Legal, and When Do They Cross the Line?
Allied Adjustment & Collection may lawfully contact you about a genuine debt, but the FDCPA draws firm limits around how it does so. The conduct that turns a routine call into a violation includes:
- Calling before 8:00 a.m. or after 9:00 p.m. in your local time.
- Placing repeated calls meant to pressure or intimidate you.
- Telling your relatives, employer, or neighbors about your debt.
- Threatening a lawsuit, garnishment, or other action it does not intend or is not allowed to take.
- Continuing to contact you after you sent a written request to stop.
- Failing to send validation of the debt after you ask, or misstating the amount.
We frequently see these patterns from collectors of every size, and a small agency is not exempt from any of them. In our practice, the volume and timing of the calls, along with whether the agency validated the debt when asked, are the details that most often decide whether a line was crossed.
What the BBB and Public Complaint Records Actually Show
Here honesty matters more than volume. We were not able to locate a dedicated, current Better Business Bureau profile for Allied Adjustment & Collection of Muncie with a published letter rating and complaint count. The company appears in general business directories as an Indiana collection agency, but a robust BBB complaint file for this specific entity is not something we can point to and verify.
That absence cuts two ways, and we will not overstate it in either direction. A thin public record is not proof the agency has done anything wrong, and it is not proof it has done everything right. Many people pushed over a local debt never file a formal complaint at all, so a quiet record can simply mean the harm went undocumented. What our attorneys rely on instead is the concrete evidence in your own hands: the dates and times of the calls, the letters you received, and whether the agency honored your request for validation. That record, not a directory listing, is what supports an FDCPA claim.
Lawsuits: The Name Confusion Extends to the Courts
- Mosley v. Allied Adjustment & Collection Co.
- Case No.: 1:10-cv-04146-JOF
- U.S. District Court, Northern District of Georgia.
- The case is specifically identified as a federal complaint against Allied Adjustment & Collection.
- A source discussing Allied’s litigation history identifies this case as one of the PACER-filed cases involving the company.
Source: Pacermonitor
- Stone v. Allied Adjustment & Collection
- Case No.: 1:03-cv-01990-DFH-VSS
- U.S. District Court, Southern District of Indiana.
- The case is specifically listed as a complaint against Allied Adjustment & Collection.
Source: Pacermonitor
Your Full Legal Rights When Allied Adjustment & Collection Calls
- FDCPA (Fair Debt Collection Practices Act): Your central protection against Allied Adjustment & Collection as a third-party collector. It bars harassment, empty threats, third-party disclosure, and continued contact after a written cease request, and it requires the agency to validate the debt on request. Damages reach $1,000 plus actual losses and attorney fees.
- FCRA (Fair Credit Reporting Act): Protects you from inaccurate reporting of the debt, including a balance you disputed, with a 30-day investigation duty. See our dispute a credit report guide.
- Statute of limitations: An old Indiana debt may be time-barred, and a small payment can restart the clock, so check the deadline on our statute of limitations resource before paying anything.
- Indiana collection law: Because the agency operates in Indiana, state rules on licensing and collection conduct add another layer of protection.
FDCPA Violation Comparison for Allied Adjustment & Collection
| Violation | Real-World Example | Statute | Remedy |
|---|---|---|---|
| Threatening action not intended or allowed | Warning of a lawsuit or garnishment that never follows | FDCPA §807(5) | Up to $1,000 per violation |
| Third-party disclosure | Discussing your debt with a relative or coworker | FDCPA §805(b) | Up to $1,000 per violation |
| Repeated or harassing calls | More than 7 calls in 7 days about one debt | FDCPA §806; Reg. F, 12 C.F.R. §1006.14 | Presumption of harassment; up to $1,000 |
| Calling before 8:00 a.m. or after 9:00 p.m. | An off-hours call about a local balance | FDCPA §805(a)(1) | Up to $1,000 per violation |
| Failing to validate on request | Refusing to send written proof of the debt | FDCPA §809 | Actual and statutory damages; attorney fees |
| Collecting on a debt that is not yours | Pursuing you for someone else’s account or a mistaken bill | FDCPA §807; §808 | Up to $1,000; possible dismissal of the debt |
| Reporting an inaccurate balance | Furnishing a paid or disputed account to the bureaus | FCRA §623 | Actual and statutory damages; attorney fees |
Can You Sue Allied Adjustment & Collection?
Yes. The size of the agency does not shield it, and a thin public record does not either. If Allied Adjustment & Collection harassed you, threatened action it would not take, disclosed your debt to others, or refused to validate it, you can sue, recover damages, and shift your legal fees onto the collector. The FDCPA provides up to $1,000 in statutory damages plus any actual harm, and inaccurate reporting can add an FCRA claim.
The amount of the debt does not decide your case. One improper third-party call, one empty threat, or one ignored validation request can be enough. Because the FDCPA makes a losing collector pay your fees, we handle these matters with nothing owed by you upfront.
What To Do Next: Steps to Stop Allied Adjustment & Collection
- Step 1: Confirm the company, then log every call. Verify that the caller is the Muncie, Indiana firm at (765) 289-2117 and not a similarly named Allied agency, then record each call’s date, time, number, and content, noting any threat or third-party contact.
- Step 2: Demand written validation. Send a debt validation letter by certified mail requiring the original creditor, the amount, and proof of the agency’s right to collect. Collection must pause until it responds.
- Step 3: Check the debt and the clock. Compare the balance against your own records, and confirm whether the debt is old enough to be time-barred under Indiana law before you consider any payment.
- Step 4: Dispute errors and cut off the calls. Challenge inaccurate reporting with the agency and the credit bureaus, and if the calls continue send a cease-and-desist letter by certified mail.
- Step 5: Report the conduct and call an attorney. File with the FTC at reportfraud.ftc.gov, the CFPB, and the Indiana Attorney General, then contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If the law was broken, fee-shifting means you pay nothing.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC helps consumers cut through collection confusion and shut down unlawful calls, whether the collector is a national giant or a small local agency. You should not be pressured over a debt no one will prove is yours. Our office has stood with consumers since 2010 and holds an A+ rating with the Better Business Bureau.
To learn where you stand, call (877) 700-5790 or visit our website.
Success Stories
- A local collector kept calling about a bill I was sure I had paid, and even reached out to a relative. Consumer Rights Law Firm PLLC documented the calls, raised the FDCPA, and the harassment ended, with compensation for me. I paid them nothing.
- I could not tell which “Allied” was actually calling me, and it was stressful. The attorneys identified the right company, demanded validation, and cleared the whole thing up. They knew exactly which questions to ask.
- A collector threatened a lawsuit that never came over a debt I disputed. Consumer Rights Law Firm PLLC treated the empty threat as the violation it was, held the agency accountable, and gave me back my quiet. Patient and precise throughout.
