Who is Alpine Credit?
Alpine Credit, Inc., also known as Allegiant Receivables Solutions, Inc., is a debt collection agency stationed in Arvada, Colorado. They specialize in collecting overdue payments on behalf of their clients.
If Alpine Credit appears on your credit report, it typically indicates a collections account, which signifies an unpaid bill that the original creditor has transferred to them for collection.
Who does Alpine Credit collect for?
Alpine Credit offers asset recovery services to a specific niche of clients, predominantly in the healthcare and real estate industries. They work with doctors, hospitals, and other healthcare providers who have not been able to collect payment for their services from patients. Similarly, they assist property management groups in recovering overdue rents or other property-related debts.
Is Alpine Credit legit or a scam?
Alpine Credit is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Alpine Credit from my credit report?
Alpine Credit 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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Alpine Credit, Inc. Contact Information
Alpine Credit, Inc.
12191 W 64th Ave Ste 210
Arvada, CO 80004
Phone number: (303) 239-9100 or (844) 821-0712
Should I contact or pay Alpine Credit?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Alpine Credit is to work with a credit repair professional. They help remove millions of negative items every year from companies like Alpine Credit on behalf of their clients.
Will Alpine Credit sue me or garnish my wages?
In general, debt collection agencies like Alpine Credit have the capacity to sue debtors for unpaid debts. If they file a lawsuit and win, they may obtain a court order to garnish your wages, which would allow a portion of your salary to be directly sent to them to pay off the debt.
However, it’s important to remember that suing is often not the first action taken by a collection agency. Prior to this, they are likely to have made multiple attempts to contact the debtor and agree on a payment plan. Also, the decision to sue can depend on various factors, such as the size of the debt and the agency’s assessment of the likelihood of repayment.
Alpine Credit Complaints
Most 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 Alpine Credit, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Alpine Credit, Inc. 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.
- Alpine Credit, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Alpine Credit, Inc. 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.
- Alpine Credit, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Alpine Credit From Your Credit Report Today!
Credit Saint can assist you in disputing Alpine Credit 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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