• Report: #258541

Complaint Review: Alliance One Receivables Mngmt, Gig Harbor, WA

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  • Submitted: Tue, July 03, 2007
  • Updated: Sat, August 11, 2007

  • Reported By:Rainier Washington
Alliance One Receivables Mngmt, Gig Harbor, WA
Pob931 Rainier, Washington U.S.A.

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

*Author of original report: Clarification and Comments

*Consumer Suggestion: Advice, etc.

*UPDATE Employee: AND SECONDLY!

*UPDATE Employee: FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

*UPDATE Employee: FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

*UPDATE Employee: FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

*UPDATE Employee: FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

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Submitted to AG on 7/3/07

Over a year and a half ago I submitted a complaint about this company to your office. I understand you closed that complaint as you somehow found nothing wrong with Alliance one, but I wonder if perhaps you were not given the true facts in some mysteriously (hidden) response to my complaint directly from Alliance One?

The gist of that complaint was that I received a miniscule bill (under five dollars) and I wrote out a check, as I did with all of my bills, and paid it right away. Other then this one miniscule bill, I had never received any other bill or statement or notice or any piece of mail or notification from Alliance one that I had any bill assigned to their company. One day I went to gas up my car and found that my checking and savings account was completely cleaned out, along with my mothers account (of her social security disability money illegal to seize an account that read the RCWs) 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.

I went to my bank and learned for the first time that my bank was served with a notice of garnishment. Hence, they trick you by sending you a small bill, we pay it, and then they have our banking information to seize all of our money. I was never given any court service of any court hearing of any agency seeking any garnishment against me. Alliance one did not mail me the garnishment papers UNTIL AFTER they stole all of my money.

Pursuant to statute, I am entitled to notification of any and all legal matters involving myself BEFORE any judgment is entered.

I am going to request that your office re-open my complaint, and I would very much like to add to it:

I currently have 3 accounts with Alliance One, 2- separate account numbers for unpaid traffic citations and one for an overdraft check.

How do I know this? Because I was pulled over today and informed that my license was suspended, and hence, the research to restore it begins.

I was never notified by Alliance One that I had any bill in collection with them, yet they turned it into credit reporting agencies. Can I in turn submit damaging reports into the credit reporting agencies on a whim?

When I called Alliance One to begin the process of correcting the current problem, I was asked a serious of personal questions to include my social security number, my DOB, my place of employment, etc' They didn't want to answer my direct questions, i' how much do I owe?, how can I take care of the matter?, what are the account or reference numbers relating to these accounts?, Why was I not notified of this bill?

I called their office 3 times today to collect the information. I spoke to 2 men, and one women. The first man was decent and gave me some information that was helpful. The last two times I called back, I spoke to both a woman and a man that were incompetent, unprofessional, and down right rude.
The second time I called the office and the woman answered, she wanted my soc. I don't give it out to anyone, especially an unethical dirty underhanded corrupt collection agency such as theirs. I was placed on hold for over 10 minutes. I then called back and the third time spoke with a man who asked the same questions, again I would not relinquish my social security number as I never do, and was again put on hold for a long period of time. When he picked up the phone finally, he answered my questions. I asked if they had a way to notify DOL via the Internet that the bill was paid. He said I had to drive to Gig Harbor to collect it and they would not mail it out. I told him other collection agencies did that and asked why his firm did not. He said 'well la ti da, we have our rules'. He then began to mock me and provoke me to anger. I hung up the phone. He then called back and I fail to understand how it is that he got my number after I had dialed *67 to block him from harassing me further by phone.

I fail to understand why it is that our government (courts) hire such unprofessional and immature agencies such as Alliance one. I am beginning to wonder why it is that they are allowed to behave in such a manner; perhaps they are above the law? Perhaps I should mail a large box of pampers into their office?

I know I'm not their only complaint. Over a year ago my brother had a contract (verbal agreement) with them and he was making his payments on time. Without warning, his bank account was seized as well. He filed bankruptcy and pulled his account away from them. What a dirty move they did. I know he's not their only complaint. I see more complaints on this company online.

Today, because I have to once again do business with unprofessional, immature individuals, I am suffering with anxiety and stress, not to mention emotional duress. I should not be going thru this for just trying to get information to pay off the debt. I am scared to death to make any payment arrangement with them. Are you going to do anything this time around?

I hope that you will contact their office, and pretend to be a consumer (or me) and see exactly what I am speaking about. Or, send them a cake and send me away once again!

Sincerely, FRUSTRATED AND AFRAID

Lynda
Rainier, Washington
U.S.A.

This report was posted on Ripoff Report on 07/03/2007 05:08 PM and is a permanent record located here: http://www.ripoffreport.com/r/Alliance-One-Receivables-Mngmt-Gig-Harbor-WA/Rainier-Washington-98576/Alliance-One-Receivables-Mngmt-Gig-Harbor-WA-Rude-Incompetent-Dirty-Unethical-crooks-258541. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Author of original report

Clarification and Comments

AUTHOR: Lynda - (U.S.A.)

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.
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#2 Consumer Suggestion

Advice, etc.

AUTHOR: Tim - (U.S.A.)

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!
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#3 UPDATE Employee

AND SECONDLY!

AUTHOR: Aoi Emp - (U.S.A.)

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.
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#4 UPDATE Employee

FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

AUTHOR: Aoi Emp - (U.S.A.)

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.
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#5 UPDATE Employee

FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

AUTHOR: Aoi Emp - (U.S.A.)

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.
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#6 UPDATE Employee

FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

AUTHOR: Aoi Emp - (U.S.A.)

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.
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#7 UPDATE Employee

FOR ALL OF YOU MISLED CONSUMERS ... PLEASE READ!

AUTHOR: Aoi Emp - (U.S.A.)

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.
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