Alpine Credit Inc
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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:
If any of these things occur, your best option is to consult with a consumer protection attorney.
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Alpine Credit Inc demanded full payment and I was threatened with Court. Antoinette Gonzales from Alpine Credit Inc requested bank statements showing the checks I wrote when I told them I had already paid the debt. Alpine Credit Inc said, and I quote, “I am just trying to help you, but if you don’t want my help, I will see you in court.”
Someone is calling my home saying they have a pay day loan that we took out and Alpine Services is the collection agency trying to recoup this money. We do not take out payday loans and haven’t live at the address for over 20 years. I am calling my attorney generals office and reporting this.