Settle Debt With Alliant Capital Management: Guide

Alliant Capital Management is calling. You owe a debt, and your account is past due. Sometimes the call is a mistake. The debt might not even be yours.

Alliant Capital Management LLC claims they don’t sue consumers. Your original creditor can still take you to court if collection fails. Even without a lawsuit, you face persistent calls and collection letters. The company can report your delinquent account to credit bureaus. Your credit score will take a serious hit.

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You can settle this debt and move forward. Here’s how to handle Alliant Capital Management effectively.

What Is Alliant Capital Management?

Alliant Capital Management LLC is a legitimate third-party debt collection company. They’ve been in business since 2013.

Contact information for Alliant Capital Management:

Phone: 716-362-0907
Address: 1965 Sheridan Drive, Suite 100, Buffalo, NY 14223
Email: info@alliantcapital.net
Website: alliantcapital.net

Is Alliant Capital Management Legitimate?

Yes, Alliant Capital Management is a real company. They specialize in debt collection. Companies hire them to collect unpaid debts.

Who Does Alliant Capital Management Collect For?

Alliant Capital Management collects for various lenders and retail credit providers. They work with many different creditors. You should confirm your original creditor. Determine when they transferred your account to Alliant Capital. Verify the account is actually yours.

Read Reviews About Alliant Capital Management

Reviews help you understand how to engage with them. Check these sources:

Google reviews
Better Business Bureau ratings
CFPB consumer complaint database

These reviews document real experiences with the company. Remember that consumers leave more negative reviews than positive ones. People share bad experiences more readily than good ones.

Several people give positive reviews for Alliant Capital Management. Many stories show that open communication works best. Talking honestly with debt collectors saves money on interest and fees. You can resolve the debt faster.

One reviewer named Rachel shared her experience:

“When I received a call from them the person was very nice and gave me a chance to make payments at a fair amount to pay. I owed the money and I knew it but I lost my husband earlier this year and they were truly understanding why I got behind. Got most of the interest knocked off and I will be making my last payment in 3 days. Thank you so much for working with me.”

Rachel’s example shows the value of honesty. Tell debt collectors the truth about your financial circumstances. Explain why you missed payments. You may receive empathy and understanding. You could save money on debt payments.

What Should You Do When Alliant Capital Contacts You?

Ask that all communication take place in writing. You need proof of every correspondence. Any agreements you make should be on record.

Always ask for debt validation, whether you think the debt is yours or not. Send a Debt Validation Letter to Alliant Capital Management. The debt gets reported as disputed. Alliant should provide proof of the debt.

They should answer these questions:

Who is the original creditor?
What’s the debt payment history?
Which interests apply?
What’s the current status of the account?

Check your credit report regularly to prevent inaccuracies. Dispute each error immediately. Contact the bureau that reported the error. Also contact the company that provided the wrong information.

Will Alliant Capital Management Sue You?

Alliant Capital Management states they don’t usually sue. The threat of a debt collection lawsuit still exists when they contact you. Your original creditor might file a lawsuit instead.

You may have options even after your creditor takes you to court. If you’re being sued for a debt, act quickly.

Three Steps to Respond to a Debt Collection Lawsuit

Answer every claim on the Complaint document. Read the Complaint carefully and respond to each claim. You can deny, agree, or deny for lack of knowledge. Denying a claim means you need proof. Agreeing means accepting liability. Denying for lack of knowledge means you need clarification.
Submit your affirmative defenses. State your case and explain why you believe you’re not guilty. You can argue there’s no basis for the lawsuit. The creditor may not have mentioned the law you violated.
Send the Answer to the court and the creditor’s attorney. Make sure your Answer reaches the court on time. You have 14 to 35 days to respond. Act immediately. Our partner Solo can help you create an Answer document in 15 minutes. An attorney will review your Answer and file it with the court.

Responding to a debt collection lawsuit can save you from a default judgment. Here’s an example:

Example: Amanda receives a court Summons for a debt collection lawsuit. Her first instinct is to ignore it. After researching online, she creates her response with Solo. The creditor later drops the lawsuit. The debt was already time-barred.

How to Settle Debt With Alliant Capital Management

Settling a debt helps you avoid a lawsuit. Even if you’ve been sued, it’s not too late. Follow these steps to settle your debt.

Step 1: Assess Your Finances

Take stock of your financial situation. Determine how much you can afford to offer as a lump-sum payment. Be realistic about your budget.

Step 2: Make a Settlement Offer

Initiate the negotiation process by sending a debt settlement offer. Explain why you need to settle the debt. State the amount you’re offering to pay. Include the date you can make the payment. You can send a written letter or discuss it over the phone.

Step 3: Negotiate the Terms

Expect a counteroffer and be prepared to negotiate. Alliant Capital Management may reject your initial offer. They might propose a different amount or payment schedule. Stay firm but flexible.

Step 4: Get the Agreement in Writing

Once you’ve reached an agreed-upon amount, request a settlement agreement. Both parties should sign the agreement. The document should memorialize the terms you agreed to. Never make a payment without a written agreement.

Step 5: Make the Payment on Time

Make the payment exactly as outlined in the agreement. Pay on time to avoid any issues. Keep records of your payment.

You can work with our partner Solo to negotiate and settle your debt online. The process is simple and effective.

Know Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collection practices. Alliant Capital Management must follow these rules:

They cannot call before 8 a.m. or after 9 p.m.
They cannot harass, oppress, or abuse you
They cannot use false or misleading statements
They cannot contact you at work if you tell them not to
They must validate the debt if you request it

You have the right to request that they stop contacting you. Send a written cease and desist letter. They can only contact you to confirm they received your letter or to inform you of specific actions.

What Happens If You Ignore Alliant Capital Management?

Ignoring debt collectors makes things worse. The debt doesn’t disappear. Interest and fees continue to accumulate. Your credit score will suffer.

Alliant Capital Management can report the debt to credit bureaus. The negative mark stays on your credit report for seven years. Your original creditor might file a lawsuit. You could face wage garnishment or bank account levies.

Taking action protects your financial future. Respond to collection attempts promptly. Negotiate a settlement or payment plan you can afford.

Frequently Asked Questions

What is Alliant Capital Management?

Alliant Capital Management LLC is a legitimate third-party debt collection company in business since 2013. Companies hire them to collect unpaid debts from various lenders, retail credit providers, and other creditors.

How do I validate a debt with Alliant Capital Management?

Send a written Debt Validation Letter to Alliant Capital Management requesting proof of the debt. They must provide information about the original creditor, payment history, applicable interest, and current account status. Always request validation before making any payment.

Can Alliant Capital Management sue me?

Alliant Capital Management states they don't usually sue consumers. However, your original creditor can still file a lawsuit if collection efforts fail. If you're sued, you must respond within 14-35 days to avoid a default judgment.

How do I settle my debt with Alliant Capital Management?

First, assess your finances and determine what lump-sum payment you can afford. Make a written settlement offer explaining your circumstances and proposed amount. Negotiate with Alliant Capital Management until you reach an agreement. Always get the settlement terms in writing before making any payment.

What happens if I ignore Alliant Capital Management?

Ignoring debt collectors makes things worse. The debt continues to accumulate interest and fees. Alliant Capital Management can report the debt to credit bureaus, damaging your credit score for seven years. Your original creditor might file a lawsuit, leading to wage garnishment or bank account levies.