Why Is Alltran Financial Calling Me? What You Need to Know

Alltran Financial is calling because they claim you owe a debt. They want payment, and they want it now.

Debt collectors like Alltran want you to panic and pay immediately. But you have options, and you have rights.

You might not legally owe what they claim. Here’s how to find out.

What Is Alltran Financial?

Alltran Financial LP is a debt collection agency based in Houston, Texas. The company operates from 5800 N Course Drive, Houston, TX 77072-1613.

Their main number is 800-568-0399. However, representatives often call from different phone numbers.

TSI recently acquired Alltran Financial. Despite 36 years in business, Alltran is not BBB-accredited.

Alltran’s Reputation and Complaints

The company’s BBB profile reveals numerous consumer complaints over the past three years. The reviews paint a concerning picture:

• Multiple calls per day to the same consumers
• Rude and disrespectful representatives
• Harassment over debts paid decades ago
• Lack of transparency in responding to complaints

Alltran only responds to BBB complaints with a generic copy-pasted message. They claim to protect privacy by mailing letters instead of public responses.

The CFPB database shows only one complaint against Alltran between 2011 and 2023. The complaint involved repeated calls, and Alltran failed to respond in a timely manner.

Google reviews average just 1.9 out of 5 stars. Consumers consistently report negative experiences.

What Types of Debt Does Alltran Collect?

Alltran primarily collects on:

• Delinquent credit card accounts
• Student loans
• Personal loans

Their parent company TSI collects for healthcare providers, small businesses, and financial institutions.

Your Rights Under the Fair Debt Collection Practices Act

The FDCPA protects you from abusive debt collection practices. You have powerful rights under this federal law.

Debt collectors must prove you actually owe the debt. They can only continue collection efforts after validating the debt.

Here’s the catch: they only have to verify if you ask them to. Many consumers don’t know this crucial fact.

Don’t Pay Without Proof

Never pay a debt collector without requesting validation first. Even if the debt seems legitimate, always verify.

Some collectors lack proper documentation. If they can’t prove the debt, you don’t have to pay.

Alltran might not have the legal right to collect from you. The debt might be too old, already paid, or belong to someone else.

How to Request Debt Validation from Alltran

You need to send a formal Debt Validation Letter. Don’t just ask over the phone—put it in writing.

Your letter should request six specific pieces of information:

• The name of the original creditor
• A copy of your original contract with that creditor
• The exact amount you allegedly owe
• The date of the last transaction on the account
• Alltran’s license number to collect in your state
• Proof that Alltran has legal authority to collect this debt

Once Alltran receives your validation letter, they must stop contacting you. They cannot resume collection efforts until they provide proof.

Our partner Solo can help you create and send a proper debt validation letter.

What Happens After You Send the Letter

Alltran has three possible responses to your validation request:

They validate the debt: If they provide all required documentation, the debt is likely legitimate. You’ll need to address it through payment, settlement, or negotiation.

They provide incomplete validation: Missing documentation means they haven’t met their legal obligation. You can dispute the debt again.

They never respond: Many collectors simply stop contacting consumers who request validation. They may lack proper documentation or decide you’re not worth pursuing.

What If Alltran Validates Your Debt?

Valid debt doesn’t mean you’re out of options. You can still negotiate better terms.

Negotiation Strategies That Work

Consider these approaches when dealing with validated debt:

Request a payment plan: Ask Alltran to break the debt into manageable monthly installments. Many collectors prefer steady payments over nothing.

Offer a settlement: Propose paying a lump sum that’s less than the full amount. Collectors often accept 40-60% of the original debt.

Ask for deletion: Request that Alltran remove the collection from your credit report in exchange for payment. Get this in writing before paying.

Document every conversation with Alltran. Keep records of dates, times, and what was discussed.

Settling Debt with Alltran Financial

Settlement negotiations require strategy and documentation. Start with a low offer, typically 30-40% of the debt.

Always get settlement agreements in writing before making payment. The agreement should specify the exact amount and confirm full satisfaction of the debt.

Our partner Solo guides you through the entire settlement process from initial offer to final payment.

When Alltran Violates Your Rights

Debt collectors must follow strict rules. Alltran cannot legally engage in these practices:

• Calling before 8 AM or after 9 PM
• Contacting you at work after you’ve told them not to
• Using threatening or abusive language
• Calling repeatedly to harass you
• Discussing your debt with third parties
• Continuing collection efforts after receiving a validation request

How to Report FDCPA Violations

Document every violation with dates, times, and details. Record phone calls if your state allows it.

File complaints with these agencies:

• Consumer Financial Protection Bureau (CFPB)
• Federal Trade Commission (FTC)
• Your state’s Attorney General office

You can also sue collectors who violate the FDCPA. You may recover up to $1,000 plus actual damages and attorney fees.

What to Do If Alltran Sues You

If Alltran files a lawsuit, you must respond. Ignoring a lawsuit guarantees you’ll lose.

You have 20-30 days to file an Answer to the complaint. The exact deadline appears on your court summons.

Your Answer should address each claim in the lawsuit. Deny claims you dispute and assert your affirmative defenses.

Common Defenses Against Debt Collection Lawsuits

Several legal defenses can defeat a collection lawsuit:

• Statute of limitations has expired
• Lack of documentation proving the debt
• You already paid the debt
• The debt belongs to someone else
• Alltran doesn’t have legal standing to sue

Our partner Solo helps you draft a proper Answer and respond to debt collection lawsuits.

Protecting Your Credit Report

Collections damage your credit score significantly. A single collection account can drop your score by 100 points or more.

Check your credit reports from all three bureaus. You’re entitled to free reports annually at AnnualCreditReport.com.

Disputing Inaccurate Collection Accounts

If Alltran appears on your credit report incorrectly, dispute it. Send dispute letters to the credit bureaus and to Alltran.

Credit bureaus must investigate disputes within 30 days. If they can’t verify the debt, they must remove it.

Common reasons to dispute collection accounts include:

• The debt isn’t yours
• The amount is incorrect
• The debt is too old to report
• You already paid the debt

Stopping Alltran’s Phone Calls

You have the right to stop collection calls. Send Alltran a cease and desist letter.

The letter must state clearly that you want all phone contact to stop. Send it via certified mail with return receipt.

After receiving your letter, Alltran can only contact you to:

• Confirm they received your letter
• Notify you they’re closing your file
• Inform you of specific legal action they’re taking

Note that stopping calls doesn’t make the debt disappear. Alltran can still sue you.

Understanding the Statute of Limitations

Every debt has a statute of limitations. After this period expires, collectors cannot sue you.

The statute varies by state and debt type. Most states set limits between three and six years.

Don’t Reset the Clock

Certain actions can restart the statute of limitations:

• Making a payment on the debt
• Promising to pay
• Acknowledging you owe the debt

Be careful what you say to Alltran. Don’t acknowledge the debt without reviewing your records first.

Alternatives If You Can’t Pay

If you’re overwhelmed by debt, you have options beyond dealing with Alltran.

Credit Counseling

Nonprofit credit counseling agencies can help you create a debt management plan. These plans consolidate payments and may reduce interest rates.

Bankruptcy Protection

Bankruptcy eliminates most unsecured debts, including collection accounts. Chapter 7 bankruptcy can discharge debts in as little as four months.

Chapter 13 bankruptcy creates a repayment plan based on your income. You pay what you can afford over three to five years.

Consider consulting with a bankruptcy attorney to explore your options. Many offer free consultations to review your situation.