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How to Settle With Alltran Financial

Dena Standley | October 27, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

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: Alltran Financial uses various methods to force debtors to pay their debt, even if it means violating your consumer rights. Luckily, SoloSuit offers powerful tools to help you settle your debt with Alltran Financial at any stage of the collections process, including debt validation, debt lawsuit, and debt settlement resources.

“Why is Alltran Financial calling me?”

This question might be familia if Alltran is calling you for the umpteenth time, and at this point, you might feel like you’d do anything to make the calls stop. This situation is all too common among consumers with outstanding debt with Alltran Financial.

So, what is Alltran Financial, and is it legitimate?

What is Alltran Financial?

Alltran Financial, formerly known as United Recovery Systems, is a legitimate and experienced debt collection agency that has been in the collection business since 1987. It operates across the United States, but its headquarter is in Houston, Texas. You may also encounter Alltran Health and Alltran Education, which are branches of the main company.

Below is the Alltran Financial phone number and other contact information:

  • Phone number: 888-446-4733
  • Address: 5800 N Course Dr, Houston, TX 77072-1613
  • Email: idmoperations@tsico.com
  • Website: Alltran Financial

Why is Alltran Financial calling me?

Being a debt collection company, Alltran Financial is calling you because they believe you owe a certain creditor some money. Most lenders do not like following up on debt that hasn't been paid for months or years. Hence they hire debt collection agencies like Alltran to remind you to pay.

Sometimes Alltran may say you owe them money directly, yet you have yet to have any transaction with them. Using this approach means they bought the debt from your original creditor and now have the right to follow up on it.

Who does Alltran Financial collect for?

Alltran Financial collects for various companies, both big and small, including:

  • Banks
  • Credit companies
  • Auto and mortgage lenders
  • Retailers
  • Online lenders

Therefore, if you have debts such as auto loans, student debt, mortgages, parking or toll fees, credit card debt, and personal and commercial loans, Alltran Financial can call you multiple times a day to coarse you to pay. You can stop their calls by sending a Debt Validation Letter if they do that. Learn more from George Simmon in this video.

Complaints against Alltran Financial

In their 35 years of business, Alltran has received several complaints on various platforms, including the Better Business Bureau and the Consumer Financial Protection Bureau. Here is an example of a real complaint against Alltran:

“United Recovery Systems (Alltran) and some other collection agency keep calling my phone, saying I owe them money for a 2000 Dodge Intrepid. The car in question has been paid for or traded in. No money is owed. It's been over 15 years, and I have had 3 or 4 car loans since then. I don't know why they are calling me. They harass and threaten me with lawsuits and become rude and disrespectful when I tell them I don't owe them any money.”

Exercise your rights when Alltran Financial contacts you

The example above shows how debt collection agencies can mistreat consumers due to debt. The Fair Debt Collection Practices Act was formed to supervise these companies and ensure there is a penalty when they mistreat consumers. The guidelines state that Alltran should not:

  • Leave countless messages or call a dozen times for the same debt
  • Threaten you with arrest or lawsuit
  • Say they will take your sensitive documents till you pay your debt
  • Use abusive language or treat you unprofessionally
  • Discuss your debt to family, friends, or workmates

Report Alltran to CFPB, BBB, Fair Trade Commission, and your state’s attorney general's office when they violate these laws.

Follow these steps to respond to Alltran Financial lawsuit

You may feel like your world is coming to an end after receiving a lawsuit from Alltran. You are not alone. You can beat any collection agency, even Alltran, using the following steps.

1- Answer each claim listed in the Complaint

Within the lawsuit, you will see a Complaint document that contains all the allegations Alltran has filed against you. The laws allow you to answer in three ways:

  • Admit: This response says that you agree with the allegations Alltran outlined against you.
  • Deny: With this response, you want Alltran to prove the allegation they listed is true.
  • Deny for lack of knowledge: Here, you tell the court you do not have enough information to answer accurately.

Debt counselors often advise consumers to deny most allegations to give Alltran the task of proving their case.

2- Assert your affirmative defenses

This section allows you to give your side of the story by explaining why you are not responsible for the debt or why you should not pay it as it is. Some affirmative defenses you can use to beat Alltran at this stage include:

  • The debt amount is inaccurate
  • Alltran hasn’t shown a legal standing to collect the debt
  • The debt collection period has expired
  • You paid the debt, or it was canceled
  • Alltran violated your consumer rights

Let SoloSuit help you draft your affirmative defenses using our Answer document.

3- File the Answer in court, and send a copy to Alltran Financial

This crucial step may determine if Alltran receives a default judgment. Why? If you file after the deadline in your state, the court will not accept or consider it in the decision. Check your state’s deadline here.

Once you finish drafting your Answer, make three copies, file one with the courts, send the second copy to Alltran lawyers, and keep the last one in your records.

Negotiate debt settlement with Alltran Financial

You may wonder if Alltran will consider negotiating with you after you ignored their attempts to collect. But they often agree to negotiations because the court process can be time-consuming and costly. In addition, they will warm up to the idea if you promise to pay a lump sum and clear the remaining amount within a short time.

SoloSettle can help you negotiate a settlement deal. Our software helps you send and receive settlement offers until you reach an agreement with Alltran. To learn more about how to settle your debt with Alltran Financial, check out this video:

What is SoloSuit?

SoloSuit can help you respond to debt collectors at any stage of the debt collections process.

Our software can help you draft legal documents to respond to debt collectors when they come knocking. These documents, including a Debt Validation Letter, Debt Answer, and more, can help you stand up for your rights and get collectors off your back.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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