Summary: Alltran Financial uses various methods to force debtors to pay their debt, even if it means violating your consumer rights. Luckily, SoloSuit offers powerful tools to help you settle your debt with Alltran Financial at any stage of the collections process, including debt validation, debt lawsuit, and debt settlement resources.
“Why is Alltran Financial calling me?”
This question might be familia if Alltran is calling you for the umpteenth time, and at this point, you might feel like you’d do anything to make the calls stop. This situation is all too common among consumers with outstanding debt with Alltran Financial.
So, what is Alltran Financial, and is it legitimate?
What is Alltran Financial?
Alltran Financial, formerly known as United Recovery Systems, is a legitimate and experienced debt collection agency that has been in the collection business since 1987. It operates across the United States, but its headquarter is in Houston, Texas. You may also encounter Alltran Health and Alltran Education, which are branches of the main company.
Below is the Alltran Financial phone number and other contact information:
Being a debt collection company, Alltran Financial is calling you because they believe you owe a certain creditor some money. Most lenders do not like following up on debt that hasn't been paid for months or years. Hence they hire debt collection agencies like Alltran to remind you to pay.
Sometimes Alltran may say you owe them money directly, yet you have yet to have any transaction with them. Using this approach means they bought the debt from your original creditor and now have the right to follow up on it.
Who does Alltran Financial collect for?
Alltran Financial collects for various companies, both big and small, including:
Auto and mortgage lenders
Therefore, if you have debts such as auto loans, student debt, mortgages, parking or toll fees, credit card debt, and personal and commercial loans, Alltran Financial can call you multiple times a day to coarse you to pay. You can stop their calls by sending a Debt Validation Letter if they do that. Learn more from George Simmon in this video.
Complaints against Alltran Financial
In their 35 years of business, Alltran has received several complaints on various platforms, including the Better Business Bureau and the Consumer Financial Protection Bureau. Here is an example of a real complaint against Alltran:
“United Recovery Systems (Alltran) and some other collection agency keep calling my phone, saying I owe them money for a 2000 Dodge Intrepid. The car in question has been paid for or traded in. No money is owed. It's been over 15 years, and I have had 3 or 4 car loans since then. I don't know why they are calling me. They harass and threaten me with lawsuits and become rude and disrespectful when I tell them I don't owe them any money.”
Exercise your rights when Alltran Financial contacts you
The example above shows how debt collection agencies can mistreat consumers due to debt. The Fair Debt Collection Practices Act was formed to supervise these companies and ensure there is a penalty when they mistreat consumers. The guidelines state that Alltran should not:
Leave countless messages or call a dozen times for the same debt
Threaten you with arrest or lawsuit
Say they will take your sensitive documents till you pay your debt
Use abusive language or treat you unprofessionally
Discuss your debt to family, friends, or workmates
Report Alltran to CFPB, BBB, Fair Trade Commission, and your state’s attorney general's office when they violate these laws.
Follow these steps to respond to Alltran Financial lawsuit
You may feel like your world is coming to an end after receiving a lawsuit from Alltran. You are not alone. You can beat any collection agency, even Alltran, using the following steps.
1- Answer each claim listed in the Complaint
Within the lawsuit, you will see a Complaint document that contains all the allegations Alltran has filed against you. The laws allow you to answer in three ways:
Admit: This response says that you agree with the allegations Alltran outlined against you.
Deny: With this response, you want Alltran to prove the allegation they listed is true.
Deny for lack of knowledge: Here, you tell the court you do not have enough information to answer accurately.
Debt counselors often advise consumers to deny most allegations to give Alltran the task of proving their case.
2- Assert your affirmative defenses
This section allows you to give your side of the story by explaining why you are not responsible for the debt or why you should not pay it as it is. Some affirmative defenses you can use to beat Alltran at this stage include:
The debt amount is inaccurate
Alltran hasn’t shown a legal standing to collect the debt
The debt collection period has expired
You paid the debt, or it was canceled
Alltran violated your consumer rights
Let SoloSuit help you draft your affirmative defenses using our Answer document.
3- File the Answer in court, and send a copy to Alltran Financial
This crucial step may determine if Alltran receives a default judgment. Why? If you file after the deadline in your state, the court will not accept or consider it in the decision. Check your state’s deadline here.
Once you finish drafting your Answer, make three copies, file one with the courts, send the second copy to Alltran lawyers, and keep the last one in your records.
Negotiate debt settlement with Alltran Financial
You may wonder if Alltran will consider negotiating with you after you ignored their attempts to collect. But they often agree to negotiations because the court process can be time-consuming and costly. In addition, they will warm up to the idea if you promise to pay a lump sum and clear the remaining amount within a short time.
SoloSettle can help you negotiate a settlement deal. Our software helps you send and receive settlement offers until you reach an agreement with Alltran. To learn more about how to settle your debt with Alltran Financial, check out this video:
What is SoloSuit?
SoloSuit can help you respond to debt collectors at any stage of the debt collections process.
Our software can help you draft legal documents to respond to debt collectors when they come knocking. These documents, including a Debt Validation Letter, Debt Answer, and more, can help you stand up for your rights and get collectors off your back.
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.
Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.
Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.
Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.
Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.
Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.
If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.
Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.
Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.
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