Thry are extremely rude people.  They have called my employment and husbands.  Funny since neither if us ever gives out our work numbers. Ever!!!!   THIS COMPANY IS TRYING TO COLLECT MONEY THEY CLAIM WE TOOK IN PAYDAY LOANS mo. NEVER HAPPENED!! I asked for proof of debt they started saying I have it.  They said this is what you do take out loans and never repay them.  I asked for a supervisor.... I am a supervisor she svreams at me.  Keep in mind I have not once but raised my bouce at her im calm and collected.  I told them they are not to conract us by phone period. All contact will be done via mail. She says no im talking to you.  Really so you enjoy breaking the law.  She says huh what.  I said I will sue you for defemation of character and harrassment if youcall us or our work places again. She says screw you and hung up.  After further investigation.It is collection agency.  However unprofessional and not verifying there bedts will lsnd them in hot water. Filed complaimnt wit BBB!!

They call my cell phone a couple times a day, and it shows up as a restricted number. The 800-215-8756 number is what Tammy left with a friend who answered my cell phone this morning. All she told my friend is that her name is Tammy and to have me call that toll free number. Also, whenever they call my cell phone and nobody answers my phone, they never leave a voicemail. So it is my belief that they are spammers or hoaxers. I don't want them calling my cell number anymore.

They call my cell phone a couple times a day, and it shows up as a restricted number. The 800-215-8756 number is what "Tammy" left with a friend who answered my cell phone this morning. All she told my friend is that her name is Tammy and to have me call that toll free number. Also, whenever they call my cell phone and nobody answers my phone, they never leave a voicemail. So it is my belief that they are spammers or hoaxers.

This company called me to collect a debt from a person I have never heard of!  They left a message stating that if I was not this person to hang up immediately.  If I did not that was confirmation that I was this person.  This was lelft on my voice mail!!!  So when I called them I asked the name of the agency and they refused to give it to me stating it was confidential information.  Imagine that, the name of the company who is calling me is confidential information.

Have been getting calls from these a***oles. Apparently its alliance collections. VERY rude on the phone, not wanting to give you the name of their company ETC... If they want me to take them seriously they had better be more respectful on the phone or they can KISS MY A**!!!  Jesus I only owe a bill of 85 dollars for christ sake. They have been calling all hours of the day and night. Harassing me on the phone at all hours is just going to piss me off. I'm so glad I looked up the number here.

got a UNAVAILABLE call from this number for a "Brittany" nope not my debt!

These people keep calling my cell phone which is a TracPhone and using up my minutes.  They are asking for Mary Ann Brennan and it's a collection call and if I'm not Mary Ann Brennan to call and let them know.  The message is to call 877-509-1956 and when I did they tell me to call 800-215-8756. How do I stop this?  

The reason I've ignored their calls is because this is a phone I don't use, but have just taken it out to use it and now I have all of those calls backed up.  I told a friend and she told me not to call the 800-215-8756 number until she checked it out and she's the one who checked it out and it's a good thing because I would have gotten tangled in their devious web of deception.

This "company" is as fraudulant as they come. They send you a statement monthly and give you 1 or 2 days to pay it. We received our last bill on Friday February 17th and it was due Sunday February 19th. The date posted on the bill was February 7th. These people will eventually get caught for their illegal practices.  I agree with Goober blood sucking leeches they are and worse. Our debt is in good standing and is not considered in collection. Our monthly payments have always been made on time. Our local hospital didn't want to deal with handling monthly payments anymore so they sold out account to these people that make pennies on a dollar. Obviously that's why they are they way they are. We are going to try to have our local hospital buy our account back. I have read of accounts where they have done that.
Very frustrating though to have to deal with these people!

Alliance is getting tricky. They faxed an "Employment Verification" to my work requesting my employer provide my home address, home phone number, and verify my employment. They did not indicate on the form their company name or what they do. It also doesn't state what they will be using the information for.

Seems a little shady to me.

Idiots....ALL OF THEM.....DO NOT RESPOND!!!!!!!..ALWAYS WANTING TO KNOW...***EVERYTHING***....@ YOU.....BUT NOT TELLING ***NOTHING*** @ THEM.....****VULTURES**** VULTURES****VULTURES****WE REALLY NEED TO BE BOLD AND HOLD ON TO OUR VALUES AND NOT LET THESE IDIOTS TAKE ADVANTAGE OF US IN OUR TIMES OF STRESS..WE WILL SOMEDAY PROGRESS AND SEE OUR HAPPINESS......DO NOT RESPOND OR GIVE ANY INFORMATION TO THESE PEOPLE!!!! THEY ARE ONLY OUT FOR THEMSELVES....I PROMISE YOU!!! BE STRONG AND BOLD AND """NEVER....NEVER...GIVE THEM ANY INFORMATION ABOUT YOU...ALWAYS : #1: WHAT DO YOU WANT? # 2:WHO DO YOU WANT TO TALK TO ?...#3: WHAT IS THIS IN REFERENCE TO? THEY **NEVER** WILL TELL YOU!!!! THEY WANT TO TRAP YOU INTO (and Probably are RECORDING YOU...) A RESPONSE THAT WILL BE A CAUSE (IN COURT) TO PROSICUTE YOU INTO BEING LIABLE.....NEVER...NEVER...NEVER...TELL THEM ANYTHING!!!!! I PROMISE YOU...*YOU* WILL REGRET IT !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1

They called and said to call back and they could issue me a check today!!

Called my place of work to have me return a call!

Jerks keep calling and using up my cell minutes!

9/29/09 -- 10:06 A.M. -- "OUT OF AREA" appears on caller ID.  Used my nickname and asked me to call Cindy.

It's Alliance Collections.

Someone from an "unknown" number called my mom's previous address and was given my number to contact her. They have called here 3 times so far, and the first 2 callers refused to give any information other than they are a private business and can only talk to my mom. The last caller gave me her name, this 800 number, and said that she worked for a private business in Marshfield, WI. (I thought I heard someone in the background say "NO!" when she gave me that info). That is the most info I have been able to get so far. I figure they may be a collection agency calling to collect on an overdue medical bill of my mom's. But the fact that they are being so secretive makes me think that they know that what they are doing is illegal. Until they come clean they will NOT talk to my mom. ;-)

Holly called me from this number and left a message with my mom.  She was VERY rude to my mom when she was asked to repeat what was said.  Also, when I called back, she would NOT tell me where she was calling from even after I told her who I was.  She said she would tell me once I verified secondary information.  Told her I would verify secondary information once she said where she was calling from.  Received NO answer from her.  Holly is a VERY RUDE person

Called Jan 19, 2011 @ 3:15pm
Caller ID: Unavailable
Voicemail said "This is Jenna at Alliance Collections Agency" and that I should call 800-215-8756.

The following information is available on their website:
http://alliance-collections.com/

Alliance Collection Agencies, Inc.
3916 South Business Park Avenue
P.O. Box 1267
Marshfield, WI 54449

Phone: 715.384.2717
Toll Free: 888.846.8836
Fax: 715.384.9230
info@alliance-collections.com


Numbers to watch for:
715.384.2717 <-- Local Marshfield, WI number
800-215-8756 <-- Number given to call in their message.
888-846-8836 <-- Toll free number on their website.
877-509-1956 <-- Number given by my voicemail robot.

The correct company that belongs to this number is Alliance Collection Agencies, Inc., 2508 S. Roddis Ave., P.O. Box 1267, Marshfield, WI 54449

NOT ALLIANCE ONE

Alliance Collection Agencies, Inc., 2508 S. Roddis Ave., P.O. Box 1267, Marshfield, WI 54449

keeps calling and leaving a message to call back, but when calling back they are very rude and try to get your personal information and won't give you any details about them unless you give your information first. Then after I said I wasn't giving them the information they told me that if I wasn't willing to work with them they would have to "let me go" and to call back when I was ready to work things out. Don't even know who these people are.Glad I googled first. Won't be calling them back!

said was lloking for a person named scott peterson  told not his phone

Thank you so much for this information!!!

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

DO NOT PAY THESE PEOPLE - THEY WILL TAKE YOUR MONEY AND RESELL THE DEBT TO ANOTHER JUNK DEBT BUYER...

Alliance One, Inc.
4850 Street Road, Level C
Trevose, PA 19053
Phone: (484) 531-5000   866-385-0275
Fax: (484) 531-5057
Web Address: www.allianceoneinc.com
Locations: 8755 Aero Drive
San Diego, CA 92123
Phone: (619) 542-8420
Fax: (619) 542-8528
   4797 Ruffner St
San Diego, CA 92111-1519
Phone: (858) 560-6000
Fax: (858) 560-0250
 
4960 SW 72nd Ave Ste 401
Miami, FL 33155-5550
Phone: (305) 665-5020
Fax: (305) 667-6054   7311 Quality Cir
Anderson, IN 46013-2014
Phone: (765) 640-0403
Fax: (765) 640-0767
930 Blue Gentian Rd Ste 100
Eagan, MN 55121-1677
Phone: (952) 858-5707
Fax: (651) 675-1127

 
1160 Centre Pointe Dr #1
Mendota Heights, MN 55120-1270
Fax: (651) 675-3903 or (651) 255-2197  
644 Linn Street, Suite 601
Cincinnati, OH 45203-1738
Phone: (513) 639-3110
Fax: (513) 721-1493

  6565 Kimball Dr, Suite 200
Gig Harbor, WA 98335-1200
Phone: (253) 620-2222
Fax: (253) 620-2232



President-CEO
Gregory J. Minniti, Vice President of Operations
Mark Fischman, VP Marketing
William P. Boggess, IFCCE, Vice President.
Jaime Nordstrom, Lic & Compliance Specialist

--------------------------------------------------------------------------------

Bud Says                                Consumer Comments Below



Alliance One, Inc. is headquartered out of Trevose, Pennsylvania but they have call centers all over the world. This company has managed to gobble up several different debt collectors and bring them under their umbrella.
Alliance One announces the acquisition of Pacific Coast Collections Inc., (PCC) located in San Diego, California.

PCC had a terrible reputation for abuse of consumers; let's hope they clean up the dirty mess left by PCC.

Why does this agency seem to be crumbling under it?s own management?

Just how bad is the training in San Diego? Why does management allow so many violations of the FDCPA? Are collectors REALLY sent out to homes and businesses to effect collections? Just how desperate are Marlene and Michael Hale to hold onto power at Alliance One? Will they really go to any ends to effect collections?

If this sounds like a sick soap opera than you need to stay far away from Alliance One and it?s cast of cast offs. This is a sinking ship with rats all over the place. Everyone needs to sat far away from them, least they be caught up in the stink of this organization.

Color Alliance One as Alliance GONE by using the cease-comm letter on them.



CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.  




File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

800-215-8756

10/07/2009

The number belongs to Alliance Collection Agency. I called back to tell them I was unemployed. Then they went on to question me about "How do you pay your bill's if you're unemployed". Blah blah blah.

I got a call for "Beth" saying I needed to call right away to (800) 215-8756. So, I called "right away~" but was told that all "professionals were busy."  I was given the hours to call back but no idea of what time zone....how "professional."

I owe money from previous medical bills in another state (insurance CIGNA decided not to cover).  I told them I would like to get it paid but want to do it by bill pay... I will not give them any personal account information if they are this UNprofessional.  They have yet to work with me...and I am trying to PAY!

I called back it is a collection agency Alliance is the name. They say that they sent me 15 letters and I never got one now they are saying that they will not send me a copy of the bill I asked for an address and a name they wanted money for old medical bills which I do owe but the lady was so rude that I will send a letter to the company about her.

I just got a call from these people and ignored it, as I do anyone that feels it necessary to hide their number from me ... especially being this specifically for important calls.  The message although not rude sounding in voice tone, was almost identical to most specified above, thus how I know the number.  You'd think by now they would get the hint that they aren't going to win with this method of behavior but I guess some people never do.  As to how they get your number .. unless it is listed, they usually get it from the person you or their target owes.

Left a message asking to call back at the number. When called back, they asked me for the birth of date without giving me any details about their company. I refused to do it and they hung up on me. I think this is definately a scam and they were trying to get personal information from me. Do not give any information out to these callers.