Alliant Capital Management is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
Alliant Capital Management is a debt collection business based in Buffalo, New York. It appears as though there are a variety of different complaints against Alliant Capital Management alleging violations of the Fair Debt Collection Practices Act (FDCPA) including harassing debtors and failing to communicate effectively with debtors. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Alliant Capital Management has been in the collections business for 7 years. The company was originally started on June 27th, 2013 and opened its Better Business Bureau account on September 26th, 2013. Alliant Capital Management has not been accredited by the BBB, however the company has received an “A+” rating from the BBB. Due to the company’s years of experience, and its extraordinary rating, it is easy to see that Alliant Capital Management is not a scam. Therefore, the debt which you may have been contacted about is real, and needs to be dealt with. Though it is necessary to resolve this discrepancy, it is still possible that Alliant Capital Management may be in violation of the FDCPA. Therefore, while it is important that you do not ignore the need to resolve your alleged debt with Alliant Capital Management, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA.
Alliant Capital Management claims to have 50 years of collections experience on their website. The company also states its mission, “To provide affordable debt collection services to creditors while providing consumers with the best possible experience. To guide our clients and consumers to amicable account resolutions that result in growth for our clients and financial wellness for our consumers”. Contrary to this statement, many debtors feel as though they have not received “the best possible experience” from this collections company. Be sure to contact an attorney preemptively if you find that Alliant Capital Management has failed to meet this promise. Alliant Capital Management also states that their collections company is SSAE18 / SOC1 certified and is a member of ACA International. Additionally, Alliant Capital Management has also outlined its specific corporate values, which include, “accountability, integrity, open communications, service excellence, and teamwork”. Many of these values have allegedly not been upheld by this collections company.
Lastly, in regard to the collection company’s size, the company has an employee base of 10 people and sales of $711,975 (according to dnb.com). BBB also notes that Alliant Capital Management’s business management department is lead by Complaint Contact Thomas Wilcox.
Alliant Capital Management writes on its website that their company, “is experienced in assisting creditors with managing delinquent and non-performing accounts”. The company additionally lists a few collections areas of expertise, which include, Fintech, installment loans, credit cards, and retail. Therefore, it is likely that your debt lies within one of these four areas of collection. However, it is still important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
There are many complaints currently posted about Alliant Capital Management. On the BBB, Alliant Capital Management has received 68 complaints closed in the last 3 years and 30 complaints closed in last 12 months. Alliant Capital Management has responded to many of these complaints, however the increasing number of complaints and the similarity in dissatisfaction of complainants does not lend Alliant Capital Management a “positive” review in the collections world. In addition to the numerous complaints posted on the BBB, Alliant Capital Management has received thirty reviews on Google Reviews as well, awarding the company a 1.6 star review overall. The collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
It is illegal for collections companies to make empty threats to sue you or garnish your wages. It is not likely that a collections company will sue if they cannot verify your debt or you may not owe said debt. On the other hand, however, Alliant Capital Management can still summon debtors to court and garnish wages after a default judgement. If you find that Alliant Capital Management has violated the FDCPA, and/or they are trying to take you to court, the wisest course of action would be to hire legal aid. Contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant took out a small loan several years ago to deal with settling a divorce matter. Due to personal struggles and hardships the complainant was unable to satisfy paying off this debt in a timely manner. Eventually this payment, “went to collections, and then was purged”. The complainant later set up a payment plan where they agreed to, “pay $178 per month to try to resolve the debt”. The complainant later found that the collections company, Alliant Capital Management, had allegedly been autodrafting an amount of $209 per month for a year or so. The complainant claimed at this point that they, “already paid back way more than they initially borrowed”. After losing work due to the COVID-19 pandemic, the complainant sent Alliant Capital Management an email, “asking that they stop auto drafting the account until the complainant can get straightened out and in a better situation”. The collections company still continued to take payments, when the complainant could barely afford to pay for daily necessities. Because the collections company would not stop taking money from the complainant, they chose to, “open a new bank account and stopped providing payments to them”. Now the collections company is, “constantly blowing up the complainant’s phone, using local numbers, and then leaving messages from people with fake extensions”. When the complainant attempted to call the company back, they were sent to an answering machine. The collections company was also allegedly calling the complainant’s ex-husband’s phone, and harassing the complainant. Because the complainant claims that they have paid back more than they originally borrowed, they are asking that these calls cease.
The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes you are able to sue Alliant Capital Management, and if you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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