Monday, July 30, 2012

How To Deal With Alliance One Collection Agency And Their Harassments

One of the biggest collection agencies in United States formed in 1999 is Alliance One. Earlier it was formed by merging of five predecessor companies. From 1st August 2007, Alliance One Inc. has become the subsidiary of Teleperformance USA, Inc. Having more than dozen offices and call centers in United States Alliance One Collection Agency specializes in collecting the debt regarding health care.

Harassments made by the Debt Collectors
The debt collectors of Alliance One Collection Agency use telephone as a tool to harass people who owe the debts. If you ever search in the internet you will come across with lots of complaints that people faced from the rude and untrained employees of the collection agency. They usually call at your office hours when you are busy working and contact your friends and relatives to reach out to you. They will disturb you and may go beyond to violate the collection agency laws.

How to Stop the Harassments

You should be careful to make all the correspondences with Alliance One Collection Agency by letter and avoid telephone calls. Tell them not to call at your office and send them a letter. After Alliance One Collection Agency receives your notice they may let you know of further actions that they would take against you and they should stop harassing you.

Rights Under the Fair Debt Collection Practices Act

Debt collectors do not have the authority to harass you rather they must contact you for getting the repayment of debts. If the debt collector of Alliance One Collection Agency threatens you or use abusive language then you can sue them. If they have violated the laws of Fair Debt Collection Practices Act, you can report it to the Attorney General's office in your state and the Federal Trade Commission. You should be well aware of your rights under the above act before dealing with the collection agency.

When Alliance One Collection Agency is contacted by one of your creditors to collect the debt, a collection account is assigned to them. The debt collector starts reporting the account on your credit report. But if there is any dispute regarding any item on the credit report you can always raise a question before the credit bureaus. You should be careful to see whether the details of your account are correctly reported in the credit report and in case of any controversy you can raise the dispute.

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