Alltran Financial LP 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.
What is Alltran Financial?
Alltran Financial, LP is a multi-service collection agency based in Houston, TX. Alltran has been the subject of many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as unprofessional customer service; inappropriate collection techniques; and failure to provide verification of debts. If Alltran has contacted you about past due collection items, make sure you know your rights before responding.
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Is Alltran a scam?
They’re legit. The Better Business Bureau (BBB) indicates that Alltran Financial, LP is a legitimate collection agency founded in 1987 in Houston, TX. Alternate business names include United Recovery Systems, LP; United Recovery System; and Plaza Recovery. Alltran is listed as a collection agency. In addition to its headquarters location in Houston, Alltran has five satellite offices located in Sartell, MN; Woodridge, IL; Gaithersburg, MD; Bryan, TX; and Tulsa, OK.
Who does Alltran Financial collect for?
Alltran accepts collection accounts from clients in healthcare, financial services, higher education, and government. Each of these services is broken down further into specialized areas of collection activity. For instance, Alltran’s healthcare agents offer specialized service in extended business office; self-pay; insurance billing and follow-up; Medicaid eligibility and verification; bad debt collections; scheduling; and contact services. Similarly, their higher education department specializes in “Perkins cohort management”; Perkins loans; parking; and student receivables.
Alltran’s website is aimed at corporate clients rather than consumers and focuses on its effectiveness as a debt collection agency that gets results. Alltran uses a lot of euphemistic language to construct an image of itself as a professional financial counselor interested in serving the financial needs of consumers. For instance, on a page describing its core values, Alltran described its central business focus as the desire to “solve problems together to achieve excellent consumer experiences and mutually beneficial business outcomes.”
Their page about healthcare self-pay accounts offers as a selling point “Alltran Health’s Self Pay solution…[for] a significant increase in overall collection, reduced account receivable days, and improved financial assistance capture” now that increasing healthcare costs mean that “patients are responsible for 35% of their medical expenses.” Alltran states a mission to “create and foster a culture of problem solvers, who employ empathy and respect.” However, such language is useful in hiding the aggressive nature of the collections industry.
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 Alltran Financial?
The BBB lists 71 complaints against Alltran Financial in the past 3 years, with 17 closed in the past 12 months. Most of the BBB complaints allege problems with billing and collection services, although several were filed as a result of poor service. All seven customer reviews of Alltran are negative and cite overly aggressive collection activity and inaccurate credit reporting. The Consumer Financial Protection Bureau (CFPB) lists only 5 complaints against Alltran since November 2016, while Justia lists at least 14 cases of civil litigation naming Alltran as a defendant.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Alltran 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!
In 2019, a proposed class action was filed against Alltran Financial LP claiming they were attempting to collect a debt from a consumer for an amount that was not yet due.
In May 2017 in United States District Court, Eastern District of Wisconsin, a plaintiff filed an amended class action complaint against Alltran for violations of the Fair Debt Collections Practices Act (FDCPA). In this complaint, the plaintiff stated that she had acquired consumer debt several years earlier, but that in 2011 she filed for bankruptcy and had the debt discharged as a result. The debt was later sold and a judgement for the debt against her ex-husband was issued. In 2016, the plaintiff received a collection letter from Alltran attempting to collect the discharged debt. The plaintiff alleged Alltran’s effort violated the FDCPA by using misleading language to offer a settlement of the claim; and that regardless, Alltran should have known that the debt was not hers and had been discharged in bankruptcy. The judge’s Decision and Order found that the plaintiff’s allegations about false and misleading language were unfounded, but upheld her contention that by attempting to collect a discharged debt, Alltran had violated FDCPA provisions against “false representation of—the character, amount, or legal status of any debt; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.”
Alltran Financial 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).
Can I sue Alltran for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.
Consumers have reported this agency harassing them from the following numbers:
“I got my settlement check yesterday. Thank you all for helping me with my debt problem. The past year has been a really demanding one and this check is really going to help. So impressed by Lemberg Law.”
“Joann was so professional and helpful every time I had a question or needed help. Thank you so much for caring!”
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! Thank you so much! It had been more than I anticipated.”
Can You Help Me Delete Alltran from My Credit Report?
Chances are we can. Call us today and we’ll tell you how we can help.
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