Alltran Health Phone Harassment?
Is Alltran Health (AH) calling you ceaselessly? Does the company threaten to take legal action against you, garnish your wages, or do they call you at odd hours of the day? Alltran Health is a third-party collector based in Sartell, Minnesota who is licensed to collect on your personal debts (such as medical bills). Alltran Health is part of a larger organization that includes Alltran Education, which handles student loan collections, and works alongside other branches in the debt recovery process. Alltran Financial specializes in collecting various types of receivables from healthcare, education, and other sectors, demonstrating expertise in managing collections across different industries. The primary role of debt collectors like Alltran Health is to collect debt on behalf of creditors. The good news is that there’s hope; you can stop Alltran Health phone harassment.
When we mentioned earlier that you can stop Alltran Health debt collection harassment, you must have been left wondering how. In order to begin the process of stopping the harassment from Alltran Health (AH), what you should know is that a powerful federal law called the Fair Debt Collection Practices Act exists to protect the rights and dignity of harassed consumers like you against the many observed unethical debt collection practices that many third-party debt collectors like Alltran health inc engage in.
Despite how powerful it is in defending the rights of consumers, the FDCPA laws only apply to third-party debt collectors (this means that the FDCPA does not offer protection to consumers from creditors who are contacting them for the collection of debts owed directly to them). Additionally, the FDCPA and its regulations can only come to your aid in the case of personal debts. What this means is that the FDCPA does not offer protection to consumers for business debt. Examples of personal debts include mortgage loans, medical loans, student loans, credit card debt, and other types of loans taken out for a personal purpose. Before responding to collection attempts, it is important to verify if you actually owe a debt to avoid unnecessary payments or disputes.
Despite the fact that the FDCPA does not stretch to include these, it is important to consult with your state’s attorney-general, as the laws in your state may offer you additional protection against debt collectors like Alltran Health.
If you have been contacted by a collection agency like Alltran Health, make sure to review your rights under the FDCPA and consider requesting debt validation or disputing the debt if necessary. More importantly, remember that you have a right to ask debt collectors to respect your FDCPA (Fair Debt Collection Practices Act) rights and treat you with dignity and respect. If they fail to do so, you can take the case to court and be awarded up to $1000 for statutory damages caused in the process of collection, and at times have your debt waived.
Unpaid debt can lead to ongoing collection efforts by agencies like Alltran and may negatively affect your credit for years.
Call our office now at 877-700-5790 for more information or to report a harassment case.
Who is Alltran Health?
Alltran Health is a third-party debt collector located in Sartell, Minnesota. AH interacts with customers regarding outstanding debts and has been a party to a Federal Court case several times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Contact Information
Address: 200 14th Ave E
Sartell, MN 56377-4500
Alltran Health phone number: (866) 730-0399
Is Alltran Health a Scam?
According to the Better Business Bureau website, Alltran Health has been in business for 45 years, during which time there have been 2 complaints filed against AH with the BBB. These BBB complaints primarily relate to billing issues and concerns about collection practices, reflecting some customer dissatisfaction with their services. Read more about it here: Alltran Health Better Business Bureau
What are the Debt Collection Laws?
As we mentioned earlier, there are several laws that serve the purpose of regulating debt collection activity. The federal Fair Debt Collection Practices Act (FDCPA) is one of such laws. The FDCPA, for instance, prescribes what is considered ethical and unethical debt collection practices; it limits what debt collectors like Alltran health inc can say to consumers and the actions they are allowed to take when attempting to collect a delinquent debt from a consumer. This law covers only personal debts such as mortgages, credit cards, medical debts, higher education debts like student loans, and any other debt for personal, family, or household purposes.
The FDCPA, unfortunately, was not created to include business debt or debts that are still owed to and being collected by the original creditor and not a third-party collection agency like Altran Financial Collections. These companies play a significant role in the debt collection process, and consumers should know how to identify, verify, or stop communications from these debt collection companies.
There are certain rules and regulations governing the conduct of debt collectors under the FDCPA. Altran Financial Collections, for example, cannot contact you in an unusual place or at a time they know is inconvenient for you. If you receive alltran financial calling, remember that the FDCPA and TCPA provide legal protections regarding when and how they can contact you.
Debt collectors are also required to immediately stop direct communication with you and, instead, contact your attorney if they are aware you have sought legal representation. Additionally, you have the right to request validation information to verify the legitimacy of a debt before engaging further.
Another federal law that protects the rights of consumers like you throughout the debt collection process is known as the Fair Credit Reporting Act (or FCRA). The law monitors how debt being collected and more importantly, how it is being reported on your credit report. This law protects you from deceptive, illegal, and unfair collection practices from collectors like Altran Health that can potentially damage your credit rating. Collection services provided by agencies like Alltran Financial often lead to consumer complaints about aggressive tactics, billing issues, and negative reviews.
The Telephone Consumer Protection Act (or TCPA for short) also protects you by guarding your telephone lines against the harassing tactics often employed by debt collectors and setting penalties for debt collectors who break the law. Although Altran Health is allowed to call you over your debt, they aren’t allowed to badger you with phone calls to the point where it becomes Alltran Health phone harassment. If you receive a collection letter from a debt collector, especially for a debt you believe is discharged or invalid, be aware that sending such letters can have legal implications under the FDCPA.
Debt collectors may offer financial collect services for various sectors, including healthcare, government, and higher education, to recover outstanding payments and manage receivables. Before you pay any debt, it is important to verify the debt and request validation information. Strategies like negotiating a pay for delete arrangement can help, but paying a debt does not always remove negative marks from your credit report, so consider payment arrangements carefully.
Alltran Health Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
866-730-0399, 320-253-4580, 320-253-7800, (866) 730-0399, (320) 253-4580, (320) 253-7800, 8667300399, 3202534580, 3202537800
If the answer is yes, then you are receiving calls from a known AH number. You may be a victim of AH phone harassment. It is important to remember to contact us at 877-700-5790 if you have faced any form of harassment during these phone conversations.
Credit Report and Debt Collection
Dealing with debt collectors like Alltran Financial can be a stressful experience, especially when their collection accounts show up on your credit report. Understanding how the debt collection process works—and knowing your rights under fair debt collection practices—can make a significant difference in how you handle these situations.
When a debt collection agency such as Alltran Financial contacts you, the first step is to verify the debt details. You have the legal right to request a debt validation letter, which should include your account number, the amount owed, and the name of the original creditor. This is an important step to ensure the debt is legitimate and that you actually owe the money being claimed. If you believe the debt is inaccurate or not yours, you can dispute it directly with Alltran Financial or the collection agency in writing.
Debt collection agencies are regulated by federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). These laws are designed to protect consumers from abusive, deceptive, or aggressive collection tactics. For example, debt collectors are prohibited from making multiple calls at inconvenient times, using threatening language, or misrepresenting the amount you owe. If you feel you are facing harassment—such as repeated phone calls or misleading information—you can file a complaint with the Better Business Bureau (BBB) or the (CFPB).
If you’re looking to resolve the debt, you may consider negotiating a settlement with the collection agency. Sometimes, debt collectors will accept a partial payment in exchange for marking the debt as paid on your credit report. However, it’s important to get any agreement in writing and to keep detailed records of all phone calls, letters, and payments. This documentation can be crucial if you need to dispute the debt or prove that you have paid.
It’s also common for debts to be sold from one collection agency to another, such as from Alltran Financial to United Recovery Systems. This can result in multiple calls and collection letters from different agencies, which can be overwhelming. If you want to stop the calls, you can send a certified letter to the collection agency requesting that they cease communication. Under the FDCPA, they are required to honor this request, except to notify you of specific actions like legal proceedings.
Another important aspect to consider is the statute of limitations on debt collection. Debt collectors have a limited window—often up to seven years, depending on your state—to take legal action to collect a debt. Once this period has expired, they can no longer sue you, though they may still attempt to collect the debt through calls or letters.
If you’re struggling to deal with debt collectors or are unsure about your rights, consulting a law firm that specializes in debt collection laws can provide valuable guidance. They can help you understand your options, protect your rights, and even recover damages if you’ve experienced FDCPA violations. Additionally, regularly checking your credit report can help you ensure that all information is accurate and that old or paid debts are not negatively impacting your credit history.
In summary, facing debt collection from agencies like Alltran Financial doesn’t have to be overwhelming. By understanding your rights, verifying debt details, keeping thorough records, and seeking professional help when needed, you can take control of the process, resolve outstanding debts, and protect your credit report from unnecessary damage.
The following is a sample list of complaints filed against Alltran Health in the past and can be found on Pacer.org.
8:17-cv-00096-GJH Moreland v. Alltran Health
4:17-cv-04049-SLD-JEH Gamboe v. Alltran Health
0:17-cv-60151-RLR Bruk v. Alltran Health
0:16-cv-61765-KMW Prendergast v. Alltran Health
2:16-cv-01561-NJ Hennings v. Alltran Health
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 Alltran Health debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Alltran Health. call us at 877-700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
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