Summary: When Alliant Capital Management contacts you regarding debt, you may panic and become anxious. But with a few tips, you can handle the situation like a pro—without hiring an attorney. Here's how.
Alliant Capital Management is a debt collector. So a call from them probably means one thing: you are in debt, and the account is past due. Occasionally, the call is misplaced, so the debt may not even be yours.
Even though Alliant Capital Management LLC says they do not sue consumers, your original creditor can take you to court if the recovery is unsuccessful. Even if you are not facing a lawsuit, the calls and harassment can still become a life stressor. And if they decide to report your delinquent account to the credit reporting bureaus, your credit score can take a serious hit.
This article will answer your most pressing questions about Alliant Capital Management, LLC, while providing insight into how to deal with debt collectors in general. First, who are they?
Alliant Capital Management collects for various lenders, retail credit providers, and a host of other creditors. You need to establish your alleged original creditor and when the company transferred your account to Alliant Capital.
Where do I file complaints against Alliant Capital Management?
You can report any complaints to the BBB, FTC, or CFPB. You will join dozens of consumers who have already expressed displeasure with Alliant Capital Management.
Although the company has an A rating on its BBB profile, it has had to close 93 complaints in just the last three years. And as of October 2022, it's not yet BBB accredited. Customer reviews average 1/5 stars. Similarly, the CFPB has reported nearly 250 complaints against Alliant Capital Management in the last ten years.
Let’s take a look at a real complaint against Alliant Capital on its BBB profile:
"Alliant Capital has been contacting people I know trying to locate me, including leaving harassing voicemails on my minor child's cell phone. They claim to have attempted to contact me via mail, but I have not received any written notice. The voicemail left for me was threatening and vague…."
If these allegations are true, Alliant Capital has a case to answer. Under the FDCPA guidelines, a debt collector should not threaten or harass you.
What should I do when Alliant Capital contacts me?
It's wise to ask that all communication take place in writing. That way, you have proof of every correspondence, and any agreements you make are on record.
Whether you think the debt is yours or not, you should always ask for validation. Sending a Debt Validation Letter to Alliant Capital Management reports the debt as disputed. They must provide proof of the debt—for example, who is the original creditor? What’s the debt payment history? Which interests apply? What’s the current status of the account?
Alliant Capital should stop contacting you if they can not provide adequate answers to your questions.
Check your credit report regularly to ensure Alliant is not reporting inaccurate details there. Dispute each error immediately with the bureau that reported the error and the company that provided the erroneous information.
Will Alliant Capital Management sue me?
Alliant Capital Management states on its website that they don't usually sue. But the threat of a debt collection lawsuit is never too far away when a collection agency contacts you.
The Debt Validation Letter mentioned above can help you escape a lawsuit. However, you may still have a way out if your creditor takes you to court. The graphic below outlines the different routes a debt lawsuit can typically take:
If you’re being sued for a debt, you must take action fast. Follow these three steps to respond to a debt collection lawsuit::
Answer every claim on the Complaint document: Read the Complaint document carefully and respond to each claim. You may deny, agree, or deny for lack of knowledge. By denying a claim, you are saying you need proof. If you agree, then you are accepting liability. Denying a claim for lack of knowledge says you don't understand and may need further clarification.
Submit your affirmative defenses: Submitting or asserting your affirmative defenses is simply stating your case (why you believe you are not guilty of the claims). For example, you can argue that there's no basis for the lawsuit because the creditor has not mentioned the law you allegedly violated.
Send the Answer to the court and the creditor's attorney: Making sure your Answer reaches the court in time is paramount. You don't have too long (14-35 days), so respond at the earliest possible opportunity. Granted, you may find creating an Answer document daunting if it's your first time. If that's the case, you can conveniently use SoloSuit to make one in 15 minutes. Your answers to a few direct questions are all that we need to generate your legal response. SoloSuit can have an attorney review your Answer and file it with the court at a small fee if you so prefer.
You can learn more about these three steps in this video:
Here's an example of how responding to a debt collection lawsuit can be a lifesaver.
Example: Amanda receives a court Summons to answer a debt collection lawsuit. Her first instinct is to ignore the Summons. A few days later, she hears about SoloSuit and decides to try creating the Answer. She makes her response in less than 20 minutes and decides it would be convenient to have SoloSuit review and file it for her. SoloSuit does so in good time. Later, Amanda learns that the creditor dropped the lawsuit. It turns out the debt was already time-barred. The creditor hoped that Amanda would ignore the Summons so the court could issue a default judgment. They failed this time. And Amanda, overjoyed at the outcome, is glad she listened to SoloSuit.
Settle the debt with SoloSettle
SoloSettle is the perfect tool for you if you acknowledge the debt and are willing to make an offer to settle in exchange for the creditor withdrawing the lawsuit.
Learn more about how debt settlement can benefit you and how to reach a settlement agreement:
The points discussed here can help you deal with Alliant Capital Management at every step—from when they first contact you to removing them from your credit report and winning a lawsuit, SoloSuit can help you each step of the way.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
Respond with SoloSuit
"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
It only takes 15 minutes. And 50% of our customers' cases have been dismissed in the past.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather