Average auto loan debt: $23,792. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
Common Allied Interstate Violations
Misrepresenting consequences of non-payment
Calling workplaces after being told not to
Failing to properly identify themselves on calls
Auto Loan Debt Dispute Strategies
1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA
Tips Against Allied Interstate
Allied collects for healthcare and financial institutions — verify with original provider
Tell them your employer prohibits personal calls — they must stop under FDCPA
Record all calls if you're in a one-party consent state