Alliance CAS or ACAS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Alliance CAS, LLC (ACAS) is a third-party collection agency based in Florida that specializes in collecting delinquent debts for homeowner associations. ACAS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false and misleading information in an effort to collect a debt and threatening to take actions that cannot legally be taken. If ACAS has contacted you about past due collection items, make sure you understand your rights before responding.
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Is Alliance CAS a scam?
They’re legit. According to the Better Business Bureau (BBB), Alliance CAS, LLC was founded and incorporated in 2018. The BBB established a profile page for ACAS in 2019. The BBB lists ACAS as a collection agency. Buzzfile estimates ACAS’s annual revenue at $1.1 million and the size of its headquarters staff at 11 employees.
According to its website, ACAS is “a consulting firm that specializes in the collections of unpaid assessments from delinquent home owners for condominiums.” ACAS states that it “can help HOAs …improve… collections while at the same time eliminating…legal collections expense.” ACAS is “extremely knowledgeable about the industry, as the owners and operators… have over 25 years of experience in real estate, finance, and collections.”
Alliance CAS collects delinquencies exclusively for homeowner associations. Their collection services include management of the entire collection process for client associations; preparation and mailing of demand letters; contacting of unit owners to collect past due maintenance fees; monitoring HOA counsel regarding preparation and recording of liens and filing of foreclosures; preparation and dissemination of estoppel letters; coordination of evictions; coordination of short sales; collection of fines and citations; and facilitation of payment plans, deeds-in-lieu, and assignments of rent. ACAS is not a law firm. Instead, ACAS is “a licensed community association collections company specializing solely in the collections of unpaid assessments for community associations.”
The ACAS website includes a page of resources for homeowners with links to Florida Statutes Chapters 718 and 720 (the Condominium Act and the Homeowners Act); the Florida Condominium Advisory Council; the Florida Department of Business and Professional Regulation; the Florida Condominium Ombudsman; and the website for the State of Florida. The Frequently Asked Questions page includes information for homeowner associations with questions about hiring ACAS to collect delinquent assessments. However, there are no links or references to consumer protection resources, laws, or enforcement agencies.
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.
How many Complaints are there against Alliance CAS?
As of May 2019, the BBB has given Alliance CAS a rating of C+, citing as its reason the relatively high number of complaints they have received after only 1 year in business. The BBB has received 5 complaints against ACAS, with 3 complaints closed in the previous 12 months. All of the complaints alleged problems with billing and collections. Since March 2018, the Consumer Financial Protection Bureau (CFPB)has closed 5 complaints against ACAS. Justia lists at least 4 cases of civil litigation involving ACAS.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ACAS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Alliance CAS?
Absolutely. Here are some Sample Complaints
Complaints against Alliance CAS cite problems resulting from allegations of fraud and harassment, including misrepresentation and filing illegal foreclosure liens. In April 2019, a complainant alleged that ACAS charged her “over $1,000 in ‘fees’ for HOA dues that were paid and filed a lien on her home. According to the complainant, in March 2019, she “received a certified letter from ACAS, stating they’d filed a lien for foreclosure… due to unpaid HOA dues. Over a thousand dollars in ‘fees and dues’ were cited as a result of this.” The complainant “immediately contacted ACAS…and informed them she had not only… paid the homeowner’s dues, but had paid them AHEAD.”
Regardless, Alliance CAS allegedly said the lien had been filed the previous month because “they had not received payment by then.” The complainant said she “was in shock as the bank clearly showed the checks… had both been cashed in December.” ACAS insisted “that they had no record of any such payments and suggested that the complainant sent it to the wrong entity, and that if some unknown person had taken and cashed …the checks, this was not their concern.” The complainant became alarmed, so she checked with her bank,“received copies front and back that proved both checks had been cashed” the previous December by the HOA, “and thus made her account paid ahead as of then.” She “provided these copies to ACAS, and also received verification from…the accountants for her HOA, that this payment information had already been provided to” ACAS. The HOA manager “informed the complainant that she had even sent a copy of their ledger to ACAS as further proof that her monies had been received and registered in December.” However, “instead of accepting this valid proof, ACAS continued to deny the facts and harass the complainant for a ‘settlement number’ to pay them for their mistake.” The complainant stated she had done “the math and provided ACAS all the proof, which included” a previous payment of “$330 in ‘fees’ for the 4th quarter.” The complainant alleged that ACAS had refused to acknowledge the payments cashed in December so they could justify adding almost $800.00 in additional fees. The complainant also said she had “made calls, emails, sent proof, and made requests for a callback from a supervisor,” but “threat of foreclosure on this recently inherited home from a dear friend caused her blood pressure to spike dangerously and she ended up in the doctor’s office with ominous results and being put on more medication.” She stated her belief that“this ‘collection’ company employed illegal and immoral practices to obtain undue monies and should be investigated.” ACAS denied the complainant’s allegations, and the parties were unable to arrive at a resolution.
Alliance CAS Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
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Can You Help Me Delete Alliance CAS from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
They are ripe offs omg!! They are charging me $14,800.00. For a little tilted mailbox that was fixed. I’m so stressed out and don’t know what to do.
Yes we moved and forgot to pay POA on a lot we had for 15 years. We owed about 500 with late fees. This company wanted to charge us 2200 in fees. Sent letters to an address we had not lived at in 2 years. Obvious we did not live there. Never a registered letter from anyone. Our current address was public knowledge. They just wanted the fees to add up. They are scammers.
Alliance CAS wanted me to pay 500% of what I actually owe the HOA, so I emailed them to negotiate. They have agreed to reduce their fees but then decided to ghost me. I have sent follow-up emails but they completely ignore me. I found out that there are many other people who have filed complaints against them for “purposely avoid contact with you to be able to add additional unnecessary charges that have nothing to do with HOA fees”
This company is a ripoff. We were trying to pay our previous HOA dues based upon the amount that our management company stated in a letter. The amount owed was approximately $1200. When we contacted Alliance CAS they said we owe $3200 per the breakdown of charges. This outrageous and they have tact
on these outrageous fees like a collection reminder letter for $125. Is this legal. The are charging us triple the amount of our HOA dues. Every month that we don’t Kat they add on additional cost.
Very sad that these people are in business. Fraudulent and manipulative and harass owners to collect unlawful debt. We have been harassed by Alliance CAS for two years rejecting communication on purpose not acknowledging that we are the new owners to demand approx $2500 in collection fee. We did in the beginning that its a n error, and we reached out to Ms. Dianne Joyce and Ms. Jessica Byrd. Both acknowledged that we have done nothing wrong other that trying to pay the assessments. We paid the 2 years in full, which was approx $800 and they still continue to collect unlawful debt of approx $650 and pretend that she is doing me a favor by riding off $8000 of prior assessment and their garbage add on such like collection fee etc that lead the prior owner to loose it and walk away from a $20,000 investment and bought it on tax deed. Please contact me as we are in the process of taking a legal action to stop Alliance CAS and Dianne Joyce and Jessica Byrd to continue with their business malpractice.