Alliance One Receivables Mngmt, Gig Harbor, WA Rude, Incompetent, Dirty, Unethical crooks "above the law" Ripoff Gig Harbor Washington

Thank you AOI for proving my point.

Clarification RE: Tim's response...

If you would have read my initial complaint, you will see the statement says "my checking and savings account was completely cleaned out, along with my mothers account (of her social security disability money) I was her caregiver and paid her bills thru her account and hence my name was also on her account as a secondary account holder.

This means that the account that was garnished was in fact my mother's own account, NOT MINE. As my statement already said, I was listed as secondary on her account, not primary. The only reason I was on her account was because I was her caregiver and I paid all of her bills and signed her checks for her. I talked to the bank and they said it didn't matter that I was secondary on the account. They can garnish all monies on any account your name and soc are on.

As her caregiver, I was on a very limited income the state provided for me to care for her. The state made a lot of cut backs and one of the cutbacks was time alloted for people in need of care. Just because the state said she needed less hours didn't make that a god given fact. Now that she has passed away I have a job that pays more then the state did for caregiving plus more hours then the state alloted. Yippee I can finally begin paying some bills.

Further, AOI alludes to "sending out one bill and if you don't get it then that's not our fault" - but wait, Hey, I did get a bill, and it was for a miniscule amount and I did in fact pay that immediately. I was never given a bill for a larger amount so once again, they behave unethically. HELLO??

Tim, I have reviewed the laws and can find no laws pertaining to the business practices of AOI. You claim they are there, yet you in fact do not state which statute you are alluding to. Statute also clearly indicates that Social Security monies can not be garnished. I fail to find what you are alluding to.

Lastly, AOI completely fails to acknowledge the comment regarding the instance with my brother (Sean) who had a verbal agreement with their agency and was making monthly payments. Why they decided on a whim to garnish him was beyond me, but their approach to his debt caused him to file bankruptcy and they in turn got ZERO - Awww, to bad your precious lawyers are such scoundrals...

HEY - WE ALL FALL ON HARD TIMES FROM TIME TO TIME. DOES THAT MAKE US IRRESPONSIBLE? REALLY? SO WHEN THE OWNER OF A COMPANY RETIRES AND WE ARE LET GO BECAUSE OF DOWNSIZING WE ARE IRRESPONSIBLE? AND WHEN OUR CLIENT DIES AND WE HAVE NO ONE TO CARE FOR WE ARE YET AGAIN IRRESPONSIBLE?

HEY - WHY DO THEY HAVE TO BE SO EVIL AND VISCIOUS AND NASTY - OH WAIT I KNOW... AS SHE SO STATED... "ALLIANCEONE IN GIG HARBOR, WASHINGTON PRIMARILY WORKS FOR THE GOVERNMENT, I.E DISTRICT/SUPERIOR/MUNICIPAL COURTS." AND THE KICKER... "WE HAVE IN HOUSE ATTORNEYS"

Hey, you know what you get when you have a Attorney buried up to his neck in cement? NOT ENOUGH CEMENT...

They are like the devil, seeking to destroy another's life, never resting. "The court system"... well now we understand why more and more American's are choosing to live outside of the system...

Nothing further.

To the employee rebuttalist: I can't find any flaws in your rebuttals or your analyses, but I did find them a bit rude. I understand that you probably have to deal with uncooperative and angry debtors all day, but the reporter did present some valid concerns. And, might I add, you really didn't address most of those concerns individually, at least not in a very professional manner.

To the Reporter: unfortunately, the employee rebuttalist was pretty accurate. If their agency is collecting primarily on government debts, then they can do alot of things that they wouldn't be able to do if they were collecting, say, for medical or credit card bills. So many of the laws that you allude to likely don't apply to your accounts. And yes, Social Security funds ARE garnishable. However, it's not a good idea for you to be depositing your mother's Social Security money into your sole account. You would be wise to set up an account in her name with you as an authorized signatory, set up a trust account, or at least set up a joint account (which should shield her funds from garnishment, but it could be difficult for you to show which funds are yours and which are hers). Talk to your banker or, better yet, a local attorney on which method would best protect your mother's funds from your personal liabilities.

TO THE CONSUMERS: debt collection agencies are an unfortunate necessity in our economy. However, they are bound by many laws, primarily the FDCPA and the FCRA. And believe me, they routinely violate these laws (I'm not saying that the agency that is the subject of this report violates any laws, because I really have no idea). As an attorney, I have dealt with many cases wherein collection agencies are involved in one way or another, and I have yet to come across a single case where there wasn't at least one FDCPA or FCRA violation.

I urge my clients, friends, and loved ones to familiarize themselves with the laws regarding collection agencies when they are contacted. The FTC's website has loads of useful information, including the full text of the FDCPA and FCRA, that can help you figure out whether a collection agency is acting in violation of the law. And the only way these laws can mean anything is if consumers take advantage of them. If you think you have been a victim of illegal activity on the part of a collection agency, try to find an attorney who is experienced in such matters. Both the FDCPA and the FCRA provide for actual damages, statutory damages of up to $1000 per violation, and, here's the good part (for me, at least): attorney's fees! (so THEY pay your lawyer, not you!).

Best of luck to the original reporter, I hope you can get your matters straightened out, but I'm not too sure that you have any valid claims against this agency. For the employee rebuttalist, settle down! Stop writing in all caps, and don't feel like you're being personally attacked! Your comments are valued, and I'm sure you have some good insight on this matter, but let's keep things congenial here!

WE ARE NOT HERE TO ACCOMMODATE YOU OR DO YOU ANY FAVORS. WE DO NOT HAVE TO APPEASE YOU OR HAVE A "THE CUSTOMERS ALWAYS RIGHT" ATTITUDE. YOU HAD OPPORTUNITY WHILE THE DEBT WAS STILL WITH THE ORIGINAL CREDITOR TO RESOLVE AND FAILED TO DO SO.

HOWEVER, IT IS COMMON COURTESY TO BE POLITE AND RESPECTFUL WHILE CORRESPONDING WITH A CONSUMER. AND MY APOLOGIES IF YOU FELT DISRESPECTED.

A LOT OF CONSUMERS THINK THAT A COLLECTION AGENCY WORKS MUCH LIKE A BILLING AGENCY. HOWEVER, WE DO NOT. WE ARE NOT REQUIRED BY ANY STATE OR FEDERAL LAW TO CONTINUALLY SEND OUT LETTER AFTER LETTER. THE FDCPA REQUIRES US TO SEND OUT ONE NOTICE AND MAKE ONE CALL. A LOT OF TIMES THE ADDRESS OUR CLIENT SENDS US IS NO LONGER VALID AND THE PHONE NUMBERS ARE EITHER DISCONNECTED OR WRONG NUMBERS. WE DO OUR BEST TO SKIPTRACE TO LOCATE UPDATED INFORMATION BUT ARE NOT ALWAYS SUCCESSFUL IN OUR ATTEMPTS. AND OTHER TIMES, WE MAKE SEVERAL ATTEMPTS AND SEND OUT SEVERAL LETTERS AND GET NO RESPONSE. WHAT ARE WE LEFT TO DO?

I LOVE HOW ITS ALWAYS OUR FAULT THAT CONSUMERS DIDN'T KNOW ABOUT THE DEBT. IN MOST CASES, YOU WERE COMPLETELY AWARE OF THE DEBT AT ONE TIME, BECAUSE YOU SIGNED THE TICKET, OR THOSE SERVICES WERE RENDERED TO YOU, BUT IT SLIPPED YOUR MIND. ITS NOT OUR JOB OR THE CLIENTS JOB TO BABYSIT YOUR BILLS. ITS YOUR RESPONSIBILITY TO MAKE ARRANGEMENTS TO AVOID COMING TO COLLECTIONS. ONCE YOU'RE HERE - YOU SUFFER THE CONSEQUENCES.
ALLIANCEONE IN GIG HARBOR, WASHINGTON PRIMARILY WORKS FOR THE GOVERNMENT, I.E DISTRICT/SUPERIOR/MUNICIPAL COURTS.

WHEN YOU ARE ISSUED A TICKET, YOU HAVE 14 DAYS TO PAY, DISPUTE OR RESPOND IF YOU FAIL TO COMPLY WITHIN THE TIME FRAME THE COURT HAS GIVEN YOU, YOU ARE THEN HELD ACCOUNTABLE FOR LATE FEES AND SUBJECT TO BEING SENT TO COLLECTIONS. IT STATES THIS RIGHT ON YOUR TICKET.

A COMMON MISCONCEPTION IS THAT WE HAVE TO SERVE YOU WITH COURT PAPERWORK WHEN ATTEMPTING TO LEVY A BANK ACCOUNT OR GARNISHMENT YOUR WAGES. WHEN IN FACT, A TICKET IS A JUDGEMENT, YOU WERE SERVED THE DAY YOU WERE CITED.

YOU HAVE 30 DAYS FROM THE DAY THE ACCOUNT WAS ASSIGNED IN COLLECTIONS TO RESOLVE YOUR DEBT BEFORE IT WOULD REFLECT ON YOUR CREDIT REPORT, AND BEFORE WE COULD ATTACH AN ASSET.
ITS NOT CROOKED, ITS NOT UNDERHANDED AND ITS CERTAINLY NOT CORRUPT. WE FOLLOW AND ABIDE BY THE LAWS! WE HAVE IN HOUSE ATTORNEYS MAKING SURE WE ARE CROSSING EVERY T AND DOTTING EVERY I.

AND DON'T THINK FOR A SECOND THAT THE COURTS AREN'T AWARE OF WHAT IS GOING ON IN OUR OFFICE. THEY ARE FULLY AWARE OF THE ACTIONS WE ARE TAKING AND IT ALL HAS TO BE APPROVED BY THE COURT IN ORDER FOR US TO CONTINUE WITH THE LEGAL PROCESS.

IT'S SAD ITS COME TO A POINT WHERE SOCIETY WOULD RATHER BLAME AND ATTACK DEBT COLLECTION AGENCIES FOR DOING THEIR JOB! THEN ACTUALLY ACCEPT RESPONSIBILITY, AND ACCEPT THE CONSEQUENCES ... AND DON'T MAKE THE MISTAKE AGAIN.

A LOT OF CONSUMERS THINK THAT A COLLECTION AGENCY WORKS MUCH LIKE A BILLING AGENCY. HOWEVER, WE DO NOT. WE ARE NOT REQUIRED BY ANY STATE OR FEDERAL LAW TO CONTINUALLY SEND OUT LETTER AFTER LETTER. THE FDCPA REQUIRES US TO SEND OUT ONE NOTICE AND MAKE ONE CALL. A LOT OF TIMES THE ADDRESS OUR CLIENT SENDS US IS NO LONGER VALID AND THE PHONE NUMBERS ARE EITHER DISCONNECTED OR WRONG NUMBERS. WE DO OUR BEST TO SKIPTRACE TO LOCATE UPDATED INFORMATION BUT ARE NOT ALWAYS SUCCESSFUL IN OUR ATTEMPTS. AND OTHER TIMES, WE MAKE SEVERAL ATTEMPTS AND SEND OUT SEVERAL LETTERS AND GET NO RESPONSE. WHAT ARE WE LEFT TO DO?

I LOVE HOW ITS ALWAYS OUR FAULT THAT CONSUMERS DIDN'T KNOW ABOUT THE DEBT. IN MOST CASES, YOU WERE COMPLETELY AWARE OF THE DEBT AT ONE TIME, BECAUSE YOU SIGNED THE TICKET, OR THOSE SERVICES WERE RENDERED TO YOU, BUT IT SLIPPED YOUR MIND. ITS NOT OUR JOB OR THE CLIENTS JOB TO BABYSIT YOUR BILLS. ITS YOUR RESPONSIBILITY TO MAKE ARRANGEMENTS TO AVOID COMING TO COLLECTIONS. ONCE YOU'RE HERE - YOU SUFFER THE CONSEQUENCES.
ALLIANCEONE IN GIG HARBOR, WASHINGTON PRIMARILY WORKS FOR THE GOVERNMENT, I.E DISTRICT/SUPERIOR/MUNICIPAL COURTS.

WHEN YOU ARE ISSUED A TICKET, YOU HAVE 14 DAYS TO PAY, DISPUTE OR RESPOND IF YOU FAIL TO COMPLY WITHIN THE TIME FRAME THE COURT HAS GIVEN YOU, YOU ARE THEN HELD ACCOUNTABLE FOR LATE FEES AND SUBJECT TO BEING SENT TO COLLECTIONS. IT STATES THIS RIGHT ON YOUR TICKET.

A COMMON MISCONCEPTION IS THAT WE HAVE TO SERVE YOU WITH COURT PAPERWORK WHEN ATTEMPTING TO LEVY A BANK ACCOUNT OR GARNISHMENT YOUR WAGES. WHEN IN FACT, A TICKET IS A JUDGEMENT, YOU WERE SERVED THE DAY YOU WERE CITED.

YOU HAVE 30 DAYS FROM THE DAY THE ACCOUNT WAS ASSIGNED IN COLLECTIONS TO RESOLVE YOUR DEBT BEFORE IT WOULD REFLECT ON YOUR CREDIT REPORT, AND BEFORE WE COULD ATTACH AN ASSET.
ITS NOT CROOKED, ITS NOT UNDERHANDED AND ITS CERTAINLY NOT CORRUPT. WE FOLLOW AND ABIDE BY THE LAWS! WE HAVE IN HOUSE ATTORNEYS MAKING SURE WE ARE CROSSING EVERY T AND DOTTING EVERY I.

AND DON'T THINK FOR A SECOND THAT THE COURTS AREN'T AWARE OF WHAT IS GOING ON IN OUR OFFICE. THEY ARE FULLY AWARE OF THE ACTIONS WE ARE TAKING AND IT ALL HAS TO BE APPROVED BY THE COURT IN ORDER FOR US TO CONTINUE WITH THE LEGAL PROCESS.

IT'S SAD ITS COME TO A POINT WHERE SOCIETY WOULD RATHER BLAME AND ATTACK DEBT COLLECTION AGENCIES FOR DOING THEIR JOB! THEN ACTUALLY ACCEPT RESPONSIBILITY, AND ACCEPT THE CONSEQUENCES ... AND DON'T MAKE THE MISTAKE AGAIN.

A LOT OF CONSUMERS THINK THAT A COLLECTION AGENCY WORKS MUCH LIKE A BILLING AGENCY. HOWEVER, WE DO NOT. WE ARE NOT REQUIRED BY ANY STATE OR FEDERAL LAW TO CONTINUALLY SEND OUT LETTER AFTER LETTER. THE FDCPA REQUIRES US TO SEND OUT ONE NOTICE AND MAKE ONE CALL. A LOT OF TIMES THE ADDRESS OUR CLIENT SENDS US IS NO LONGER VALID AND THE PHONE NUMBERS ARE EITHER DISCONNECTED OR WRONG NUMBERS. WE DO OUR BEST TO SKIPTRACE TO LOCATE UPDATED INFORMATION BUT ARE NOT ALWAYS SUCCESSFUL IN OUR ATTEMPTS. AND OTHER TIMES, WE MAKE SEVERAL ATTEMPTS AND SEND OUT SEVERAL LETTERS AND GET NO RESPONSE. WHAT ARE WE LEFT TO DO?

I LOVE HOW ITS ALWAYS OUR FAULT THAT CONSUMERS DIDN'T KNOW ABOUT THE DEBT. IN MOST CASES, YOU WERE COMPLETELY AWARE OF THE DEBT AT ONE TIME, BECAUSE YOU SIGNED THE TICKET, OR THOSE SERVICES WERE RENDERED TO YOU, BUT IT SLIPPED YOUR MIND. ITS NOT OUR JOB OR THE CLIENTS JOB TO BABYSIT YOUR BILLS. ITS YOUR RESPONSIBILITY TO MAKE ARRANGEMENTS TO AVOID COMING TO COLLECTIONS. ONCE YOU'RE HERE - YOU SUFFER THE CONSEQUENCES.
ALLIANCEONE IN GIG HARBOR, WASHINGTON PRIMARILY WORKS FOR THE GOVERNMENT, I.E DISTRICT/SUPERIOR/MUNICIPAL COURTS.

WHEN YOU ARE ISSUED A TICKET, YOU HAVE 14 DAYS TO PAY, DISPUTE OR RESPOND IF YOU FAIL TO COMPLY WITHIN THE TIME FRAME THE COURT HAS GIVEN YOU, YOU ARE THEN HELD ACCOUNTABLE FOR LATE FEES AND SUBJECT TO BEING SENT TO COLLECTIONS. IT STATES THIS RIGHT ON YOUR TICKET.

A COMMON MISCONCEPTION IS THAT WE HAVE TO SERVE YOU WITH COURT PAPERWORK WHEN ATTEMPTING TO LEVY A BANK ACCOUNT OR GARNISHMENT YOUR WAGES. WHEN IN FACT, A TICKET IS A JUDGEMENT, YOU WERE SERVED THE DAY YOU WERE CITED.

YOU HAVE 30 DAYS FROM THE DAY THE ACCOUNT WAS ASSIGNED IN COLLECTIONS TO RESOLVE YOUR DEBT BEFORE IT WOULD REFLECT ON YOUR CREDIT REPORT, AND BEFORE WE COULD ATTACH AN ASSET.
ITS NOT CROOKED, ITS NOT UNDERHANDED AND ITS CERTAINLY NOT CORRUPT. WE FOLLOW AND ABIDE BY THE LAWS! WE HAVE IN HOUSE ATTORNEYS MAKING SURE WE ARE CROSSING EVERY T AND DOTTING EVERY I.

AND DON'T THINK FOR A SECOND THAT THE COURTS AREN'T AWARE OF WHAT IS GOING ON IN OUR OFFICE. THEY ARE FULLY AWARE OF THE ACTIONS WE ARE TAKING AND IT ALL HAS TO BE APPROVED BY THE COURT IN ORDER FOR US TO CONTINUE WITH THE LEGAL PROCESS.

IT'S SAD ITS COME TO A POINT WHERE SOCIETY WOULD RATHER BLAME AND ATTACK DEBT COLLECTION AGENCIES FOR DOING THEIR JOB! THEN ACTUALLY ACCEPT RESPONSIBILITY, AND ACCEPT THE CONSEQUENCES ... AND DON'T MAKE THE MISTAKE AGAIN.

A LOT OF CONSUMERS THINK THAT A COLLECTION AGENCY WORKS MUCH LIKE A BILLING AGENCY. HOWEVER, WE DO NOT. WE ARE NOT REQUIRED BY ANY STATE OR FEDERAL LAW TO CONTINUALLY SEND OUT LETTER AFTER LETTER. THE FDCPA REQUIRES US TO SEND OUT ONE NOTICE AND MAKE ONE CALL. A LOT OF TIMES THE ADDRESS OUR CLIENT SENDS US IS NO LONGER VALID AND THE PHONE NUMBERS ARE EITHER DISCONNECTED OR WRONG NUMBERS. WE DO OUR BEST TO SKIPTRACE TO LOCATE UPDATED INFORMATION BUT ARE NOT ALWAYS SUCCESSFUL IN OUR ATTEMPTS. AND OTHER TIMES, WE MAKE SEVERAL ATTEMPTS AND SEND OUT SEVERAL LETTERS AND GET NO RESPONSE. WHAT ARE WE LEFT TO DO?

I LOVE HOW ITS ALWAYS OUR FAULT THAT CONSUMERS DIDN'T KNOW ABOUT THE DEBT. IN MOST CASES, YOU WERE COMPLETELY AWARE OF THE DEBT AT ONE TIME, BECAUSE YOU SIGNED THE TICKET, OR THOSE SERVICES WERE RENDERED TO YOU, BUT IT SLIPPED YOUR MIND. ITS NOT OUR JOB OR THE CLIENTS JOB TO BABYSIT YOUR BILLS. ITS YOUR RESPONSIBILITY TO MAKE ARRANGEMENTS TO AVOID COMING TO COLLECTIONS. ONCE YOU'RE HERE - YOU SUFFER THE CONSEQUENCES.
ALLIANCEONE IN GIG HARBOR, WASHINGTON PRIMARILY WORKS FOR THE GOVERNMENT, I.E DISTRICT/SUPERIOR/MUNICIPAL COURTS.

WHEN YOU ARE ISSUED A TICKET, YOU HAVE 14 DAYS TO PAY, DISPUTE OR RESPOND IF YOU FAIL TO COMPLY WITHIN THE TIME FRAME THE COURT HAS GIVEN YOU, YOU ARE THEN HELD ACCOUNTABLE FOR LATE FEES AND SUBJECT TO BEING SENT TO COLLECTIONS. IT STATES THIS RIGHT ON YOUR TICKET.

A COMMON MISCONCEPTION IS THAT WE HAVE TO SERVE YOU WITH COURT PAPERWORK WHEN ATTEMPTING TO LEVY A BANK ACCOUNT OR GARNISHMENT YOUR WAGES. WHEN IN FACT, A TICKET IS A JUDGEMENT, YOU WERE SERVED THE DAY YOU WERE CITED.

YOU HAVE 30 DAYS FROM THE DAY THE ACCOUNT WAS ASSIGNED IN COLLECTIONS TO RESOLVE YOUR DEBT BEFORE IT WOULD REFLECT ON YOUR CREDIT REPORT, AND BEFORE WE COULD ATTACH AN ASSET.
ITS NOT CROOKED, ITS NOT UNDERHANDED AND ITS CERTAINLY NOT CORRUPT. WE FOLLOW AND ABIDE BY THE LAWS! WE HAVE IN HOUSE ATTORNEYS MAKING SURE WE ARE CROSSING EVERY T AND DOTTING EVERY I.

AND DON'T THINK FOR A SECOND THAT THE COURTS AREN'T AWARE OF WHAT IS GOING ON IN OUR OFFICE. THEY ARE FULLY AWARE OF THE ACTIONS WE ARE TAKING AND IT ALL HAS TO BE APPROVED BY THE COURT IN ORDER FOR US TO CONTINUE WITH THE LEGAL PROCESS.

IT'S SAD ITS COME TO A POINT WHERE SOCIETY WOULD RATHER BLAME AND ATTACK DEBT COLLECTION AGENCIES FOR DOING THEIR JOB! THEN ACTUALLY ACCEPT RESPONSIBILITY, AND ACCEPT THE CONSEQUENCES ... AND DON'T MAKE THE MISTAKE AGAIN.