Average personal loan debt: $8,018. Personal loans are unsecured debt governed by the original loan agreement and state law. If in collections, FDCPA applies. Many collection agencies lack original documentation.
Common Allied Interstate Violations
Misrepresenting consequences of non-payment
Calling workplaces after being told not to
Failing to properly identify themselves on calls
Personal Loan Debt Dispute Strategies
1
Demand debt validation under FDCPA
2
Check statute of limitations in your state
3
Verify the amount is correct
4
Negotiate settlement if valid
5
Dispute credit reporting errors under FCRA
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