Who is Allied Interstate?
Allied Interstate, LLC is a debt collection agency located in Minneapolis, Minnesota. They are known to be excessively aggressive when collecting on debts. They purchase debt from student loan companies like Sallie Mae and other companies like eBay, Fingerhut, Providian, Capital One, J.C. Penney, DirecTV, etc.
You may see Allied Interstate listed on your credit report as a collections account. This can happen if you owe a creditor money and they’ve hired someone to collect that money.
Removing Allied Interstate Collection Accounts
Allied Interstate collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have it removed before 7 years, and you may not even have to pay it.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
Allied Interstate, LLC Contact Information
Address:
Allied Interstate, LLC
12755 Highway 55 Ste 300
Minneapolis, MN 55441-4676
Mailing address:
Allied Interstate, LLC
P.O. Box 19312
Minneapolis, MN 55419
Mail is the best way to communicate with them because this way you can keep physical documents of all correspondence and get return receipts that they received your letter. Be sure to scan or print another copy of any mail you send, too, just to cover all your bases.
Website: https://www.allied-interstate.com
Phone number: (800) 811-4214
If all lines are busy, and you choose to leave a message, Allied Interstate claims they’ll return your message within 48 hours. If you manage to reach someone, get the names of everyone with whom you speak and their rep numbers, too.
Always keep track of all communications, and be sure to write down the date and time you spoke with everyone as well. You may need that information later.
Should I contact or pay Allied Interstate?
Nothing good can come from contacting a collection agency. And making payments on the collection account will reset the clock. So not only will it not help your credit, but it could actually make it worse.
The best way to go about handling this is to contact a professional credit repair service. They have deleted millions of negative items from companies like Allied Interstate for millions of clients nationwide.
And they can help you too.
Will Allied Interstate sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly get it removed from your credit report. It’s also quite possible that you may never hear from or have to deal with Allied Interstate again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for them to threaten to garnish your wages.
It is also illegal for Allied Interstate to make any claims they cannot or will not follow through on – this includes threatening to sue you or to foreclose on your home.
Allied Interstate, LLC Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Allied Interstate does too.
How Collections Affect Your Credit
Missed payments over several months will cause a hit to your credit score. Couple that with a collection account on your credit report, and it can definitely impact your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, so this can lead to multiple collections showing on your credit reports for the same account.
When this happens, if you don’t dispute the accounts, they will definitely have a negative impact on your credit score.
Is Allied Interstate on Your Credit Report?
Any account that is sent to a debt collection agency becomes a negative mark on your credit report. If you have been receiving calls from Allied Interstate, your credit is probably in a state of decline and is accumulating negative elements that will remain for seven years.
Having bad credit raises the interest you pay on credit cards and loans. It also limits the amount of money banks are willing to lend you in the first place. If your future goals involve buying a large house or a nice new car, you may have to table those ambitions for a span if your credit is subpar.
How does Allied Interstate attempt to collect?
Allied Interstate is infamous for calling friends, relatives, and even co-workers when attempting to collect a debt. Once they locate you, the real fun begins. Incessant phone calls, aggressive letters, message after message left in your inbox.
Also, if they are incorrect that you owe money, expect to experience weeks and weeks of them continuously calling while they ‘process’ your request to be removed from their call list.
Allied Interstate is determined, aggressive, and unyielding in all of its attempts to extract money from debtors.
How does the FDCPA protect you against debt collectors?
Don’t let Allied Interstate fool you into thinking that just because you owe a few bucks it can do anything it wants.
Before anything else, you may want to write Allied Interstate a debt validation letter. Even if you know you owe the money, get the validation letter because they may not be seeking the correct amount.
Debt collection agencies, per the FDCPA, have rules of conduct that they must follow or risk massive fines. Learn them and memorize them. They are as follows:
Allied Interstate —
- May not call before 8 a.m. or after 9 p.m. unless a prior arrangement has been made with the debtor.
- May not call numerous times a day.
- May not call an office of employment if the debtor requests that they cease. If the debtor puts in a request in writing that they stop calling his or her home, they must also honor that request.
- May not disclose any debt to friends, relatives, or associates when attempting to locate the debtor. When a friend, relative, or associate is called, they may only be contacted once.
- May not verbally abuse debtors.
- May not threaten debtors with bodily harm or arrest.
- May not threaten to sue debtors unless they truly intend to take the person to court.
- May not collect a debt larger than what is owed.
Due to sloppy record-keeping and training, Allied Interstate routinely breaks these rules. Keep profuse notes on any communications you have with them, and keep track of every time you believe they’ve violated a rule.
How to Get Allied Interstate Removed from Your Credit Report
Lexington Law specializes in disputing Allied Interstate collection accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.