Who is Alltran Financial?
Alltran Financial, LP, formerly known as United Recovery Systems and Enterprise Recovery Systems, Inc., is a debt collection agency located in Houston, Texas. They also have locations in Bryan, Texas and Tulsa, Oklahoma.
You may see Alltran Financial listed on your credit report as a collections account. This can happen if you forgot to pay a bill or defaulted on student loan debt and your account was sent to a debt collector.
Who does Alltran Financial collect for?
Alltran Financial collects debts for various financial institutions including banks and credit unions, credit card companies, auto and mortgage lenders, online lenders, student loan lenders. They also collect debts such as court fees, parking, taxes, and tolls.
Is Alltran Financial legit or a scam?
Alltran Financial is a legitimate debt collection agency. However, the way debt collection agencies operate can sometimes feel invasive or overwhelming. It’s not uncommon for these agencies to employ persistent communication methods such as phone calls, texts, or emails in their efforts to collect unpaid debts.
How can I remove Alltran Financial 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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Alltran Financial, LP Contact Information
Address:
Alltran Financial, LP
5800 N Course Drive
Houston, TX 77072-1613
Phone number: (713) 977-1234 or (800) 568-0399
Alltran Health Inc. phone number: (877) 272-7729
Alltran Education Inc. phone number: (800) 211-0432
Should I contact or pay Alltran Financial?
Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Alltran Financial is to work with a credit repair professional. They help remove millions of negative items every year from companies like Alltran Financial on behalf of their clients.
Will Alltran Financial sue me or garnish my wages?
As a debt collection agency, Alltran Financial is legally entitled to sue for unpaid debts. If they win a lawsuit and are granted a court judgment, it could potentially allow them to garnish your wages or levy your bank account, depending on your state’s laws.
However, wage garnishment is generally considered a last resort after all other attempts to collect the debt have been exhausted. The process requires court approval and varies from state to state, with some states offering more protections for consumers than others.
Alltran Financial Complaints
Most debt collection agencies have numerous complaints filed against them 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 Alltran Financial
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 Alltran Financial 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.
- Alltran Financial cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Alltran Financial 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.
- Alltran Financial cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Alltran Financial From Your Credit Report Today!
Credit Saint offers assistance with disputing Alltran Financial accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
Collections Removed
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
