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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.
he 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. There is a secondary website at www.ursi.trustab.org
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. 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.
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.
Alltran Financial, LP
5800 North Course Drive
Houston, Texas 77072
It is illegal for a debt collector to threaten 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!
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Absolutely. Here are some Sample Case Files of Lawsuits filed in Federal Court
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.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- 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, 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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