Help with debt collectors?

I had a CC and it was turned over to Alliance One collections. I did some research on the company and found a site called RipOff.com and there were many people who have been treated disrespectfully and have complained about how this company treats consumers. Is there anyway once its been turned over to call your cc company and make payments to them or see if they use any other collectors? After reading what others have gone through, I really don't want to deal with Alliance One in getting my debt paid.

Help with debt collectors?
First of all ask for a valaditon of debt from Alliance one Collections and ask for proof they own the debt.
Reply:One dispute the debt, then they have to prove it is really yours. Is it a small amount or a Large? How old is the debt? If the last payment ie when you went into default is 5-6 years and the debt was only a couple of hundred ignore them it will fall off your record after 7 years. Yes folks tacky but we are dealing with a substandard company
Reply:You can actually "fire" a collection company and tell them that you want to deal with the original creditor. You have to send them a letter stating so. Good Luck!
Reply:I believe that Alliance One has bought your debt. The reason that they are nasty is because the only way they will make any money is to get more from you than they paid the credit card company. My past experience has been that once it is sent to a collection company the cc company will no longer deal with you, they got their money. Make a call to your cc company and see what they say, but most likely you will need to deal with the disrespectful people at Alliance One. Good Luck.
Reply:Visit the below website
Reply:First off most of these answers so far are iffy at best. You know you owe the money right? So you are going to have to pay it. The good thing about it being turned over to a collection agency is your interest rate just went down a bunch. Your "Default Rate" on your card was probably 29.9% and the most a collection agency can charge you is between 12 and 18% on the debt.





Alliance One DID NOT BUY YOUR DEBT. It was assigned to them by the Original creditor and now the original creditor has no authority to settle or take payments.





Now the Statute of limitations runs from 3 to 15 years on credit card accounts depending on your state. Visit this site:


http://www.bankrate.com/brm/news/cc/2004...


Your credit card debt falls under the "Written Contract" category.





Most collection agencies will sue for a few hundred bucks because they make more from the creditor and they will add attorneys fees and court costs and other fees that THEY KEEP%26gt; So it is in their best interest to sue you so they can add fees. If your account is reduced to judgment, the statue of limitations can now be extended and the judgment renewed, for instance in Washington State where I live, a judgment can be renewed 4 times, which is 40 years, plus the original 6 years from date of LAST CHARGE OR LAST PAYMENT so you could be looking at over 50 year that they could legally collect this debt. So the waiting game is not the best option.





Also keep in mind that the "rip off report" s a bunch of angry people that are in debt and they are being sued, wages being garnished, cars being towed etc, they are mad and they are going to take it out on the bill collector and then rant about it on the internet. Every collection agency is on there.





The best thing you can do is this-





Call the agency, VERY NICELY talk to the Collector and offer a payment plan. DO NOT tell him that you work or were you work, or were you bank. Tell him you are on unemployment or something; tell them you do not bank. Send those MONEY ORDERS from the post office or Wal-Mart or where ever EVERY MONTH AS YOU AGREED. If you do this you will have no problem paying you debt off.





Good luck





MISS E HAS SOME GOOD INFO!!
Reply:It is going to be really hard to deal with anyone other then Allince One, they have a contract with your credit card company and part of the tems is that you deal with them(alliance one). They do not purchase debt. My best advice to you is to try contacting them, you dont have to give your address or even your phone number you can work out a payment plan with them. If you are able to pay a lump sum to get it taken care of call around the end of the month they will be more willing to give you more off of the total balance that is owed but they cant go lower then 30%. Just make sure you get your agreement faxed or emailed to you.
Reply:From my experiences working in credit Alliance One Collections is not bad. They are pushy to get there money put not disrespectful. When it comes down to it you owe them money, by not paying them you are hurting your credit. Call the better business bereau on them or go to www.bbb.com and check them out if you are nervous. Get in a payment plan with them, something your comfortable paying monthly and they will stay off your back!





Also, your credit card company will not deal with you in any way now that they handed your account over to a collection company. I worked at one, and people would call in and I would have to turn them away because collections was handling the account.











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you need to get those payments up to date.. if you are late and they move it you honestly have no control. THey can move it at any time with you choice... keep doing on time payments and call the company you currently have and work out a payment plan something you are comfortable with.. that's the only way to really avoid a collection agency to sell it to an EVEN WORSE collection agency.

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