Alliance One Receivables Management Inc. Alliance One Deceptive Debt Settlement Tactics Trevose, Pennsylvania

It is clear from your report that you dont understand how the credit collection system works. you wanted to do the right thing, but they screwed you over.

When you default on a payment and dont catch up the account goes into default and they harass you with phone calls until you pay or 90 days goes by. After 180 days they charge it off their books. Once they do that you cannot make any payments- the account is closed.

Then they sell it to at debt collector like AllianceOne Receivables. That is when you get a Dunning letter - an attempt to collect a debt. Many times a debt collector will call you first, but by law they have to notify you in writing within 5 days. If they dont they are in violation of Federal law, FDCPA ( 15 USC 1692 et sec. )

Once you have the Dunning letter you have 30 days to send them a letter disputing the debt and demanding they validate it, according to the FDCPA. If they do not validate after that, and continue to collect by calling you again, sending more letters, or try to sue you for it, they are again in violation of the FDCPA.

If they do nothing and you never hear from them again, fine, let it go. But you better check your credit reports, because most of the time they illegally pull your credit, or start reporting the debt as if you have a credit card account with them. These are violations of the FCRA - 15 USC 1681

Now if they do anything like the above you can sue them and make them pay you: $1,000 for FDCPA violation, plus More money for your state's consumer laws (Calif is another $1,000), $1,000 per violation of the Fair Credit Reporting Act (15 USC 1681 et sec), for pulling your credit, and for falsely reporting the account... and every phone call is a violation of the TCPA - Telecommunication Consumer Protection Act, in the amount of $500 for the first call and $1,500 for every call after that.

To learn how to sue them - without a lawyer - and make money while cleaning up your credit reports, Check out whatliesinyourdebt.com.

Hope this helps