Is the debt collection agency Alliance Collection Service, Inc. harassing you?

What is Alliance Collection Service, Inc.?

Founded on March 27, 1995, Alliance Collection Service, Inc. is a Mississippi-based debt collection company that has been around for nearly 25 years. Also known casually as “ACS,” Alliance Collection Service, Inc. is a general debt collector that appears to pride itself on its ethical collection practices and guarantees that if its clients do not get paid, the company does not get paid. In its 25 years, ACS has grown from a one-man show operated by its founder and owner, Mr. Jeffrey Chambers, to a thriving operation of 35 employees.

Is Alliance Collection Service, Inc. a legit Debt Collection Agency?

Alliance Collection Agency has been recognized by the Better Business Bureau (BBB) since 2003, but is not BBB-accredited and has no BBB rating. Based on the company’s website and appearance of ongoing business, it does appear to be a legitimate collector.

Alliance Collection Service, Inc. Contact Information:

600 W Main St Ste A

Tupelo, MS 38804-3733

http://www.alliancecollectionservice.com

(662) 841-9995 (phone)

(662) 841-9176 (fax)

What kind of complaints does Alliance Collection Service, Inc. have against them?

According to the Consumer Financial Protection Bureau, 18 CFPB complaints have been made since 2014, with no record of any complaints during the 19 years prior. The vast majority of these complaints deal with medical collections or other health-related debts that were reportedly already paid, or are not the debt of the person being contacted. Other complaints deal with the nature of the collection attempt, such as failing to communicate that a particular communication is actually an attempt to collect on a debt or, as in other cases, disclosing the existence of the debt to third parties. If these complaints are true, most are violations of common debt collection violations that violate the Fair Debt Collection Practices Act and the Rosenthal Fair Debt Collection Practices Act.

Are Alliance Collection Service, Inc.’s Practices Legal?

While it is possible for a collections company to unknowingly purchase old debt that has either been paid or discharged in bankruptcy, it is unlawful (under the Fair Debt Collection Practices Act) for them to continue collection efforts after they learn the debt is no longer valid. Likewise, it is unlawful for a collector to harass a debtor by telling third parties—such as friends and family—about an alleged debt, and it is impermissible for collectors to contact you at your place of employment unless you are generally permitted by the employer to be contacted at work. Alliance Collection Service, Inc.’s practices in recent years may very well be unlawful under the Fair Debt Collection Practices Act (FDCPA), which would provide the consumer with up to $1000.00 in statutory damages, actual damages, and the debt collector would be required to pay reasonable attorney’s fees and costs.

How can I defend myself against a debt collector like Alliance Collection Service, Inc.?

If you feel you are being harassed by a collector, you should consult with a debt collection harassment attorney about your rights as soon as possible. It can be tempting to try to negotiate with debt collection agencies, even when they are being unkind or unreasonable, but debt collectors who use unlawful practices to force payment seldom stop those practices even after being paid.

If you believe you have a claim for debt collection harassment or are a victim of another violation of state or federal debtor’s rights, you should speak with a consumer rights lawyer or debt collection harassment attorney immediately. Contact us today to discuss your matter and see how we can help at no cost to you.

Complaints regarding a debt collector in any state may be filed with the Federal Trade Commission at www.ftc.gov or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints. To learn more about how the federal government regulates debt collection and protects debtors and other individuals from collector harassment, see the FTC Debt Collection pamphlet. Complaints regarding Mississippi–based collectors are handled by the Mississippi Attorney General’s Office. To make a complaint, call 1-800-281-4418 or visit the Attorney General’s website at www.agjimhood.com.