George Simons | July 21, 2022
Summary: Are you being sued by Alltran Health over a past due balance? Not sure what to do next? Find out how to respond to a debt collection lawsuit and win in court.
If you owe a debt and have been contacted by Alltran Health, you may wonder how to beat this collection agency at their own game. You're not alone. The FTC estimates that debt collection agencies make at least 1 billion contacts in the US each year to get consumers to pay what they owe. Most of these contacts are phone calls that annoy, harass and even intimidate people who owe debts. You may wonder, how to get these people to live me alone? How can I beat them?
The best way to beat the debt collector is to use their own tactics against them. Be aggressive and dispute everything that they send to you. This tactic can often lead to the debt being dismissed because they don't have enough information about you and the debt. Below is more information about how to beat Alltran Health.
If the debt collector keeps calling you and won't stop, one option is to pick up the phone and tell them to stop calling. But before you put down the phone, write down their name and address. Now, sit down and compose a letter demanding that they stop calling you. It's recommended to send this letter by certified mail with a return receipt so you know it's been received.
They should stop calling you. But they often don't. The problem is that many debt collection agencies bought these debts from the original creditor for pennies on the dollar. They will keep calling you because if you pay them anything close to what you owe, it's a huge profit for them.
However, many complaints are filed with the FTC each year because debt collectors call people for debts they allegedly don't owe. In some situations, the wrong person is getting called. They can be sued for the wrong amount, too. Sometimes Altran Health Collection Agency only has limited information about the debt, so they could be contacting the wrong person about the wrong amount.
If you're being bothered by Alltran Health and you don't think it's your debt, or you think the amount is wrong, you can write a debt dispute letter to the agency and ask them that they validate the debt.
Your debt dispute letter tells them that they need to show that you owe the debt and prove how much you owe. After you get a notice from Alltran Health, you have 30 days to respond with your dispute.
Your letter should have your contact details, verification of what you owe, the creditor's name, and a request that this debt not be told to credit bureaus until you conclude the matter. Also, you should send another debt dispute letter to the credit agencies with the same information, so they know you're disputing the debt.
But the matter may not be concluded until the negative information is on your credit report. If it is on your report, it's good to send another dispute letter to the credit bureau that disputes the information and ask that they remove it.
There have been problems between Alltran Health and consumers for decades. Congress passed the Fair Debt Collection Practices Act (i.e. FDCPA) in 1978 so that consumers had some protections from aggressive debt collectors. Alltran Health must follow these guidelines:
One of the first things you should do is check that the debt exists. And remember there is a statute of limitations for every debt. This varies by state but it usually runs between three and six years.
If the statute of limitations has expired, it means the agency cannot get a judgment. They could still try to collect, but if you don't pay, they can't do anything. But remember that unpaid debt stays on your credit report for seven years from the date you last paid.
One of the problems with Alltran Health is that it may have bought debts from many sources. They may not have sufficient information about the debts you owe, and they could have the name or amount wrong. It's important to keep track of everything you owe so you can dispute the debt with the collection agency. If you can do that successfully, you may beat the company at its own game.
If you dispute the validity of the debt in writing, the FDCPA sets forth that the debt collector cannot contact you until they give you verification in writing. This will put everything on delay until you get the letter in the mail. But note that you only have 30 days from when you got contacted by the debt collector to dispute the debt. You can use rights and time if you don't dispute the debt within 30 days.
If you are being hounded by Alltran Health for an alleged unpaid debt, it is important to be proactive and respond to a debt collection lawsuit. Failing to respond to the lawsuit only ensures that Alltran Health will be victorious in the lawsuit and could very well wind up garnishing your wages and seizing your assets. Do not let this happen. When you respond to the debt collection lawsuit, you could have a viable basis to get the lawsuit tossed out of court (e.g., the statute of limitations) or you could raise a strong defense that you do not owe the debt claimed.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.