Who is Alltran Financial?
Alltran Financial, LP, formerly known as United Recovery Systems and Enterprise Recovery Systems, Inc., is a debt collection agency located in Houston, Texas. They also have locations in Bryan, Texas and Tulsa, Oklahoma.
You may see Alltran Financial listed on your credit report as a collections account. This can happen if you forgot to pay a bill or defaulted on student loan debt and your account was sent to a debt collector.
Who does Alltran Financial collect for?
Alltran Financial collects debts for various financial institutions including banks and credit unions, credit card companies, auto and mortgage lenders, online lenders, student loan lenders. They also collect debts such as court fees, parking, taxes, and tolls.
Is Alltran Financial legit or a scam?
Alltran Financial is a legitimate debt collection agency. However, the way debt collection agencies operate can sometimes feel invasive or overwhelming. It’s not uncommon for these agencies to employ persistent communication methods such as phone calls, texts, or emails in their efforts to collect unpaid debts.
How can I remove Alltran Financial from my credit report?
Alltran Financial collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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Alltran Financial, LP Contact Information
Alltran Financial, LP
5800 N Course Drive
Houston, TX 77072-1613
Phone number: (713) 977-1234 or (800) 568-0399
Alltran Health Inc. phone number: (877) 272-7729
Alltran Education Inc. phone number: (800) 211-0432
Should I contact or pay Alltran Financial?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Alltran Financial is to work with a credit repair professional. They help remove millions of negative items every year from companies like Alltran Financial on behalf of their clients.
Will Alltran Financial sue me or garnish my wages?
As a debt collection agency, Alltran Financial is legally entitled to sue for unpaid debts. If they win a lawsuit and are granted a court judgment, it could potentially allow them to garnish your wages or levy your bank account, depending on your state’s laws.
However, wage garnishment is generally considered a last resort after all other attempts to collect the debt have been exhausted. The process requires court approval and varies from state to state, with some states offering more protections for consumers than others.
Alltran Financial Complaints
Most debt collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Alltran Financial
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Alltran Financial to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Alltran Financial may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Alltran Financial must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Alltran Financial cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Alltran Financial From Your Credit Report Today!
Credit Saint can assist you in disputing Alltran Financial accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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