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Alliant Capital Management LLC

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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 12 Comments

    1. Christopher McKinney on November 11, 2014 at 12:48 pm

      I was called by a man calling himself David Masters several days ago. He identified himself was a member of Alliant Capital. He left two voice mails on my mobile phone. In those voice mails, he stated that I was under a review process in a claim against me, and that I needed to contact the Pre-Legal Dept at 855-977-2029 before action would be taken against me. He said to include the Tracking Number, and then corrected himself, and said Reference number 925583.

      I was called on Saturday by my mother and on returning her call Sunday, I learned that my Step Father, Bobby Henry, had been called by the same David Masters wanting to speak with me.

      I was then called today (11/11/14) shortly after 11 AM at work by David Masters. I asked what the call was concerning and he brought up a debt from a predatory lender, and stated that he had called all of my references demanding to speak to me. He asked if I had received the phone calls and papers he had sent to me. He spoke with an aggressive tone, nearly screaming at the phone. I then informed him that the number he had reached me at is a place of business and he was not permitted to call me for personal matters at that number. He became more agitated and said that it was because he could not get in touch with me any other way.

      Mr. Masters asked if it was right for me to call employees of a company at work asking them to send me money. He asked why if what I did was OK, then why would it not be okay for them to call me at work to collect it. I asked if he had called to talk about morality with me. At this point, I mentioned the term harassment, and what he was legally allowed to do concerning debt collections. At this, he said, “So you are telling me that you are not going to pay your debt and have no intention of doing so.” He continued on and I spoke over him to answer, “that is not what I said,’ but he could make up any story he cared to. He then threatened action and said I would not have to worry about another call, and hung up.

    2. William O. on March 29, 2015 at 10:03 pm

      Alliant Capital Management continues to leave voice mail messages at my place of business. I have asked Alliant Capital Management to cease and desist any and all contact except for debt validation via certified mail after receipt of their letter.

    3. Christina B. on April 13, 2015 at 8:57 pm

      I agreed to pay a debt to Alliant Capital Management and agreed to have the payments automatically withdrawn from my checking account. At the initiation of the agreement I was to receive in the mail the payment agreement from Alliant Capital Management. Once the payments were done, I contacted Alliant Capital Management to confirm the completion of my agreement, and they at that time verbally confirmed the agreement was paid in full. I never received any such documentation from Alliant Capital

    4. Allison D. on May 13, 2015 at 9:24 pm

      Alliant Capital Management left a message for me at my home number today and then contacted two family members. According to the Fair Debt Collection Practices, Alliant Capital Management are not legally authorized to contact a third party and tell them about my alleged debt.

    5. [anonymous] on May 30, 2015 at 9:54 pm

      Alliant Capital Management LLC is contacting me at home and work after I sent them a cease and desist letter was via certified mail. Not only am I being called by Alliant Capital Management LLC, I am also being threatened with legal action.

    6. Santos W. on June 12, 2015 at 12:01 am

      Getting phone calls at my place of employment from Alliant Capital Management LLC. Alliant Capital Management LLC threatened legal and criminal charges if I did not pay them.

    7. John on September 29, 2015 at 12:08 am

      Someone called me at work . I had never of them nor of said debt.they were aggressive in their tactics. I told them not too call me at work. They threatened to call my supervisor,. I have never received anything in the mail in regard to said debt . They threatened legal action.

    8. D. Smith on June 14, 2016 at 6:14 pm

      Received a call from someone purporting to be from ACM. But it wasn’t me they called. THey were calling everyone BUT me in my family. They had my address, SSN, but the phone number for my home was bogus. In fact, the info they gave me all pointed back to a case where someone tried to file a fraudulent loan online in my name. It was stopped. The lady I spoke with threatened me with legal action. When I explained the consumer protection laws, and that she must send me the information in writing, along with a copy of the consumer protection laws, and that she must provide me with their Professional License #, she said she did not and hung up on me. I knew there was no defaulted loan because I did a credit history check. Also, the 844 number they left on a voice mail on my inlaws phone didn’t match the local area code number they called from. I called that number back. The person was laughing and had a hard time saying “Alliant Capital Management” and when I asked for his professional license number, he stumbled over his answer and said “I don’t know what that is”. I then explained the phone number situation and he fumbled around not knowing how to answer. I then told him I reported them to the FTC, Consumer Financial Protection Agency and to my local AG, which I did do all of those things. So, if they do not give you anything in writing and refuse to give you their professional license number, hang up. It’s a scam.

    9. kerry on September 21, 2016 at 2:13 pm

      This company (Alliant) uses illegal and abusive collection practices. They also go by the name APG claiming to be some sort of legal mediation company. They will refuse to identify themselves as a debt collector. Please do your research on this company before giving in to there demands. They are not taking any legal action and they use terms such as “stop action” and “pre legal” to scare you into paying.

    10. Sandy on October 28, 2016 at 12:37 pm

      I was called several times, I was threatened that i needed to contact them back with in an hour or else. Which i have voice messages of. I was told that i did not want to pay it, WHICH IS NOT TRUE. I do not owe any amount that they are requesting. I have asked for proof, I have never received. I was told what i did was stealing and i could go to jail. I was also asked my personal business who i live with, what i do for money etc.

      • Amanda Moreland on October 12, 2018 at 12:32 pm

        This company continues to contact me telling me that I will be arrested and someone is coming to my house. I had been making payments for what I thought was a debt and they started double charging my account and charging amounts that I did not authorize. My bank cancelled my card and sent me a new debit card. I called today to try and resolve and the guy from their firm called me a liar and started screaming sharing the Sheriff was coming to arrest me. This is very abusive behavior. What can I do to get this matter resolved and get them to leave me alone?

    11. Deborah Palmeri on November 18, 2016 at 12:12 pm

      I was called repeatedly demanding repayment of a loan. I told him I had spoken to the company. He said I was not allowed to call them about the loan. I contacted the company on my own. After calling them, I called the number I was given again,. When I asked for his full name – company name and address. He asked me if I always start conversations like that . When I stated when someone is trying to scam me I do – he repeated what I stated and I again asked him for the information – he hung up on me.

    12. Alan on September 2, 2018 at 1:49 pm

      A man calling me at work calling himself David Masters about 12 days ago, saying i owe about $1650 dollars from a loan I had,
      but they would settle for about $758.00 ? He stated/implied he was representing a firm/loan company called BCI – aka Balance Credit.
      I do NOT owe Alliant Capital Mgm. any funds as I never had a contract/loan with them; AND FURTHER, I tried to make arrangements
      with BCI several months ago to pay back the loan, but their E-mail to me said my loan was “written off”;
      So, I know it is not collectible as I DO NOT owe Alliant. This is “phone communications fraudulent practices” by Alliant as normal
      business practices, so it appears.

    13. Surreal on October 9, 2018 at 2:39 pm

      This company, apparently Alliant capital, called me from 716-242-8596 at 12:42 on September 18, 2018. The call came from area code 657, which is northern Orange County or southern Los Angeles county, roughly where I live. Oddly, that time was on my landline. I left this comment here because it’s the same company that called me today without a message from New York. The number he previously called from was 657-999-5201. They left a voice mail that time.
      “Garrett Baker, I am Scott Benidict with Alliant Capital. I’m trying to reach out to you to inform you that today I received an unresolved business matter in my office directly pertaining to yourself. I was asked to make recommendations concerning the situation and I wanted the opportunity to go over the details with you directly. It’s imperative that if you’d like your input considered, get in touch with my office. I am here today until 6 o’clock Eastern. You can reach me at 877-905-7044. Thank you.”
      I don’t know anyone by that name, so there is no way that someone left me as a reference. I did not call back. When I first moved to this house, the number I had ported from my prior residence was serially called for school truancy and child support payment problems with someone I’ve never known who lived in the same area because it was the schools there. I called those back to tell them it was a wrong number, but clearly somebody didn’t remove that from the Internet. I think that might possibly have been the name. I have no late outstanding debt, so no one from that company could be calling me legally.

    14. Kevin on October 25, 2018 at 3:13 am

      Besides the seemingly overhwleming belligerence they try to force down debtors throats, they did jump through the required hoops for me and after providing proof of the debt I agreed to pay.

      What i agreed to pay was a monthly amount for 12 months on a set day every month. Last month ACM attempted to collect 3 times using the same authorization number each time. . Thankfully I put the payment onto a prepaid card so that they couldn’t do exactly that. When I called to question them about “odd charge attempts” they never answered my phone call.

      I owe(d) the debt for sure but still an underhanded thing to do.

    15. Pat on November 8, 2018 at 3:18 pm

      Same here with me some tanner from the same company has called me saying I owe a debt which I do but when I did make the first payment the loan company I got the loan from said that they never received any payment so I canceled the transaction and blocked that alliant capitol from taking any more payments is that all they do to scam?

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