Allied Credit Consultants, LLC

Allied Credit Consultants is an Orlando based Florida debt collector with an office located at: 4700 Millenia Blvd., Suite #175, Orlando, FL 32839.

In a lawsuit filed in United States District Court in Orlando, the consumer alleged that during February of 2016, he received 3 telephone calls from Allied Credit Consultants and the originating telephone number was 888-855-7131. The first caller to the consumer from Allied Credit Consultants identified himself as "Scott Stevens," Account Director from Allied Credit Consultants and paralegal. In a second call, the caller identified himself as "Michael Bennett" from "offices of Roth Morgan and Associates, and that his delinquent account had been "assigned to legal recovery." Angel Rivera, an employee of Allied Credit Consultants used the pseudonym "Michael Bennett" in calling the consumer. Another caller used the pseudonym "Scot Stevens" in calling the consumer.  In the telephone calls:

a.  Allied Credit Consultants told Plaintiff that if he did not set up a payment plan that they would be sending my information out to some kind of credit bureau that would intercept money out of any bank account he had; and

b.  Allied Credit Consultants told Plaintiff that they would garnish his wages from his work and out of his paycheck.

c.  Allied Credit Consultants communicated with a Plaintiff by telephone in a manner that gave the false impression and appearance that they were associated with an attorney. All of these acts, if proven, constitute violations of the Fair Debt Collection Practices Act.

Allied Credit Consultants, LLC

Allied Credit Consultants is an Orlando based Florida debt collector with an office located at: 4700 Millenia Blvd., Suite #175, Orlando, FL 32839.

In a lawsuit filed in United States District Court in Orlando, the consumer alleged that during February of 2016, he received 3 telephone calls from Allied Credit Consultants and the originating telephone number was 888-855-7131. The first caller to the consumer from Allied Credit Consultants identified himself as "Scott Stevens," Account Director from Allied Credit Consultants and paralegal. In a second call, the caller identified himself as "Michael Bennett" from "offices of Roth Morgan and Associates, and that his delinquent account had been "assigned to legal recovery." Angel Rivera, an employee of Allied Credit Consultants used the pseudonym "Michael Bennett" in calling the consumer. Another caller used the pseudonym "Scot Stevens" in calling the consumer.  In the telephone calls:

a.  Allied Credit Consultants told Plaintiff that if he did not set up a payment plan that they would be sending my information out to some kind of credit bureau that would intercept money out of any bank account he had; and

b.  Allied Credit Consultants told Plaintiff that they would garnish his wages from his work and out of his paycheck.

c.  Allied Credit Consultants communicated with a Plaintiff by telephone in a manner that gave the false impression and appearance that they were associated with an attorney. All of these acts, if proven, constitute violations of the Fair Debt Collection Practices Act.

Florida Consumer Collection Practices Act ("FCCPA")

In 1993, the Florida Legislature enacted the Florida Consumer Collection Practices Act ("FCCPA") which law targets unfair debt collection tactics, including those inflicted upon residential mortgage customers. The statute proscribes a broad range of deceptive, harassing, and abusive practices.  It also provides a right to bring litigation against wrongdoers and to recover actual damages, costs, and attorney fees.

The following are some of the most common possible violations of the FCCPA:

•    Harassment - frequent phone calls to alleged debtors, their family and friends, repeated calls with no messages, hang-ups, lies, misleading comments, speaking in a belittling manner, embarrassing, argumentative and rude conduct are examples of harassing conduct.

•    Collecting money not owed - if an alleged debtor doesn’t owe the money it is a violation of the law for a collector to try and force the alleged debtor to pay the money.

•    Threats - creating a “false sense of urgency” or suggesting arrest, criminal prosecution, jail.

•    Calls at work - calls to the workplace, especially after a collector is told not to call, such as speaking to or leaving messages with a receptionist, calling the cell phone while alleged debtor is at work or calling alleged debtors direct line, is a violation.

•    Contacting 3rd parties - collectors may not contact any party about a debt without the express permission of the alleged debtor, including the spouse or any other family member, neighbors, friends, or co-workers.

•    Written Notice - collectors must send a written notice stating the amount of the debt, the creditor to whom the debt is owed, and a statement that the debtor has 30 days to in writing dispute the debt. Upon receiving written notice that a consumer disputes a debt, the collector within 30days must obtain written verification and validation of the amount of the debt, the creditor to whom the debt is owed and must mail said verification to the consumer.

•    Proof of debts - debt collectors are required by federal law to send “verification and validation” of a debt when the alleged debtor in writing disputes the debt within 30 days of a debt collector’s first contact.

•    Refusing to cease contact - all communications, including telephone calls and letters, must immediately stop once a debt collector receives a “cease and desist” letter. There is no specific required language, only a directive that all communications must stop. All cease and desist letters should be sent with return receipt requested.

•    Contact after attorney representation - once a collector is told a individual is represented by all conversations, messages, letters or any other communication must immediately stop.