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How to Settle Debt With Alliant Capital Management

George Simons | January 15, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: To settle debt with Alliant Capital Management, validate the debt, assess your finances, and propose a settlement offer, be prepared to negotiate, and get the agreement in writing. Use Solo to streamline the process.

Alliant Capital Management is a debt collector. So, a call from them means one thing: you are in debt, and the account is past due. Occasionally, the call is misplaced, so the debt may not even be yours.

Even though Alliant Capital Management LLC says they do not sue consumers, your original creditor can take you to court if the recovery is unsuccessful. Even if you are not facing a lawsuit, you may prefer ending the persistent calls and collection letters. Also, if the company decides to report your delinquent account to the credit reporting bureaus, your credit score can take a serious hit, which no one wants.

This article will answer your most pressing questions about Alliant Capital Management LLC and provide insight into dealing with debt collection. First, who is Alliant Capital Management?

Sued for by Alliant Capital Management? Settle your debt and move on.

Settle debt with Alliant Capital Management

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Alliant Capital Management?

Alliant Capital Management LLC is a legitimate third-party debt collection company that has been in business since 2013.

To contact the company, use the Alliant Capital Management phone number or contact info below:

Is Alliant Capital Management a legit company?

Yes, Alliant Capital Management is a real company that specializes in debt collection. This means that companies hire Alliant Capital Management to help them collect unpaid debts.

Who does Alliant Capital Management collect for?

Alliant Capital Management collects for various lenders, retail credit providers, and a host of other creditors. You should confirm your original creditor and determine when the company transferred your account to Alliant Capital to verify that the account is indeed yours.

Read Alliant Capital Management reviews to learn more about the company

If you want to know more about the company, read the Alliant Capital Management reviews to learn more about how to engage with them to resolve your debts.

These Alliant Capital Management reviews document real individual’s experiences when working with the company and its collections agents.

As with all online reviews, it is important to remember that consumers are far less likely to leave reviews when they’ve had a positive experience. It’s human nature to go on about your day without thinking of leaving a review for a company until you have a negative interaction, which you then want to report.

That being said, several people give raving reviews for Alliant Capital Management. Many of these stories show that communicating openly with debt collectors is often the best route to saving money on interest costs and fees and ultimately resolving the debt. Let’s look at a real Alliant Capital Management review from Rachel:

“When I received a call from them the person was very nice and gave me a chance to make payments at a fair amount to pay. I owed the money and I knew it but I lost my husband earlier this year and they were truly understanding why I got behind. Got most of the interest knocked off and I will be making my last payment in 3 days. Thank you so much for working with me.”

As you can see from Rachel’s example, telling debt collectors like Alliant Capital the truth about your financial circumstances and why you missed payments can lead to empathy and understanding, and in turn, could help you save money on the debt payments and get back on track.

What should I do when Alliant Capital contacts me?

It's wise to ask that all communication take place in writing. That way, you have proof of every correspondence, and any agreements you make are on record.

Whether you think the debt is yours or not, you should always ask for validation. Sending a Debt Validation Letter to Alliant Capital Management reports the debt as disputed. Alliant should provide proof of the debt—for example, who is the original creditor? What’s the debt payment history? Which interests apply? What’s the current status of the account?

To protect your financial health, check your credit report regularly to prevent inaccuracies. Dispute each error immediately with the bureau that reported the error and the company that provided the erroneous information.

Will Alliant Capital Management sue me?

Alliant Capital Management states on its website that they don't usually sue. However, the threat of a debt collection lawsuit is often close by when a collection agency contacts you.

You may still have a way out even after your creditor takes you to court. The graphic below outlines the different routes a debt lawsuit can typically take:

If you’re being sued for a debt, you must act quickly. Follow these three steps to respond to a debt collection lawsuit:

  1. Answer every claim on the Complaint document: Read the Complaint document carefully and respond to each claim. You may deny, agree, or deny for lack of knowledge. By denying a claim, you are saying you need proof. If you agree, then you are accepting liability. Denying a claim for lack of knowledge says you don't understand and may need further clarification.
  2. Submit your affirmative defenses: Submitting or asserting your affirmative defenses is simply stating your case (why you believe you are not guilty of the claims). For example, you can argue that there's no basis for the lawsuit because the creditor has not mentioned the law you allegedly violated.
  3. Send the Answer to the court and the creditor's attorney: Making sure your Answer reaches the court in time is paramount. You don't have too long (14 - 35 days), so respond immediately. Creating an Answer document may be daunting if it's your first time. If that's the case, you can conveniently use Solo to make one in 15 minutes. Your answers to a few direct questions are all that we need to generate your legal response. Solo will have an attorney review your Answer and file it with the court for a small fee.

You can learn more about these three steps in this video:

You can draft and file an Answer with SoloSuit in all 50 states.

Here's an example of how responding to a debt collection lawsuit can be a lifesaver.

Example: Amanda receives a court Summons to answer a debt collection lawsuit. Her first instinct is to ignore the Summons. A few days later and after doing some research online, she decides to create her response in less than 20 minutes with SoloSuit and have the company file it for her. Later, Amanda learns that the creditor dropped the lawsuit. It turns out the debt was already time-barred.


Settle the debt with Alliant Capital Management

Settling a debt is one of the best ways to avoid being involved in a lawsuit with a debt collector. However, even if you’ve been sued, it’s not too late. The following steps outline what you need to know to settle a debt.

  • Take stock of your finances and determine how much you can afford to offer as a lump-sum payment.
  • Initiate the negotiation process by sending a debt settlement offer. Explain the circumstances for why you need to settle the debt, the amount you’re offering to pay, and the date you can make the payment. You can send a written letter, discuss it over a phone call, or use SoloSettle to make an offer online.
  • Expect a counteroffer and be prepared to negotiate.
  • Once you’ve reached an agreed-upon amount, then request a settlement agreement signed by both parties. This agreement memorializes the terms you and Alliant Capital Management agreed to.
  • Make the payment on time, as outlined in the agreement.

SoloSettle may be the perfect tool if you owe Alliant Capital Management more than you can afford and are willing to pay a lump-sum amount to settle the debt.

Settle a debt for less outside court.

Learn more about how debt settlement can benefit you and how to reach a settlement agreement in the following video:

The points discussed here can help you deal with Alliant Capital Management at every step—from when they first contact you to settling the debt out of court. Solo can help you each step of the way.

Settle with SoloSettle

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