Who is Alliance One?
Alliance One Receivables Management, Inc. is a debt collection agency based in Trevose, Pennsylvania. They are in the business of recovering debts on behalf of various creditors.
When a consumer has an outstanding debt that the original creditor cannot collect, they often sell or assign that debt to a collection agency like Alliance One. The agency then assumes responsibility for collecting the debt, typically earning a percentage of the amount recovered as their fee.
If Alliance One is listed on your credit report as a collections account, this signifies that you have an unpaid bill which they are attempting to collect.
Who does Alliance One collect for?
Alliance One provides debt collection services for companies across various sectors. They work with clients in the education and government sectors, credit card companies, the healthcare industry, telecommunication companies, and utility providers.
These sectors often generate significant amounts of consumer debt, which can sometimes be challenging to collect. By hiring an agency like Alliance One, these companies aim to recover as much of their outstanding debt as possible.
Is Alliance One legit or a scam?
Alliance One is a legitimate company. They’ve been in business since 1998. However, like many collection agencies, they might frequently contact you via phone calls, text messages, or emails to recover the debt.
How can I remove Alliance One Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your credit report, you can start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Alliance One Contact Information
Address:
AllianceOne Receivables Management, Inc.
4850 E. Street Road, Suite 300
Trevose, PA 19053
Mailing address:
AllianceOne Receivables Management, Inc.
PO Box 3100
Southeastern, PA 19398-3100
Phone number: (800) 858-4472 or 215-354-5511
Should I contact or pay Alliance One?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Alliance One is to work with a credit repair professional. They help remove millions of negative items every year from companies like Alliance One on behalf of their clients.
Will Alliance One sue me or garnish my wages?
Alliance One does have the legal right to take legal action against you for an unpaid debt. If they win the lawsuit, the court may grant them a judgment which could potentially allow them to garnish your wages or levy your bank account depending on your state’s laws.
However, it’s important to note that before it reaches this stage, they must provide proof that you owe the debt, and you would have the opportunity to dispute the debt or potentially negotiate a payment plan.
Also, wage garnishment is usually considered a last resort after all other collection attempts have failed. The process for wage garnishment varies by state, and not all states allow wage garnishment for consumer debts.
Alliance One Receivables Management, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Alliance One
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Alliance One to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Alliance One cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Alliance One must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Alliance One cannot threaten to have you arrested or imprisoned for unpaid debts.
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Alliance One Removed From Credit Report
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
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