Yes, Allied Account Services is a legitimate entity, holding a Better Business Bureau (BBB) accreditation that underscores its commitment to ethical business practices.
Understanding Legitimacy in Debt Collection
When assessing the legitimacy of any company, particularly a debt collection agency, it's crucial to look for adherence to industry standards, transparent operations, and consumer protection. A legitimate collection agency operates within the bounds of federal and state laws, most notably the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive debt collection practices.
Allied Account Services' BBB Accreditation
Allied Account Services Inc. has achieved accreditation with the Better Business Bureau (BBB). This accreditation signifies their commitment to upholding the BBB Standards for Trust, a comprehensive set of principles designed to foster ethical business practices and build consumer confidence. These standards cover aspects such as:
- Build Trust: Establish and maintain a positive marketplace reputation.
- Advertise Honestly: Adhere to truth in advertising.
- Tell the Truth: Be transparent in all business dealings.
- Be Transparent: Openly disclose company policies and practices.
- Honor Promises: Fulfill all agreements and representations.
- Be Responsive: Address marketplace disputes quickly and professionally.
- Safeguard Privacy: Protect consumer data.
- Embody Integrity: Approach all business dealings with integrity.
For more detailed information, you can review their profile directly on the BBB website:
Quick Facts About Allied Account Services
To provide a quick overview of their legitimacy indicators:
| Aspect | Details |
|---|---|
| BBB Accreditation | Yes |
| Commitment to Standards | Upholds BBB Standards for Trust |
| Primary Business Type | Collections Agency |
| Location | Bethpage, NY (as per BBB profile) |
Key Factors for Assessing a Collection Agency
When you encounter a debt collection agency, beyond just their BBB status, here are other factors to consider:
- Compliance with FDCPA: Ensure they comply with the Fair Debt Collection Practices Act. This means they cannot harass you, make false statements, or engage in unfair practices.
- Clear Communication: A legitimate agency will clearly identify themselves and the debt they are attempting to collect.
- Validation of Debt: You have the right to request validation of the debt, which means they must provide written proof that you owe the debt and that they have the right to collect it.
- Online Reviews and Complaints: While BBB accreditation is strong, it's also wise to check other consumer review sites for patterns of complaints, particularly regarding FDCPA violations.
How to Verify a Collection Agency
If you're contacted by any collection agency, including Allied Account Services, and want to confirm their legitimacy or the validity of the debt:
- Check their BBB Profile: Use the provided link to verify their accreditation, rating, and customer reviews/complaints.
- Request Debt Validation: Ask the agency to send you a written "debt validation notice" within 30 days of their initial contact. This notice should include:
- The amount of the debt.
- The name of the creditor to whom the debt is owed.
- A statement that unless you dispute the debt within 30 days, the debt will be assumed to be valid.
- A statement that if you notify them in writing within the 30-day period that you dispute the debt, the agency will obtain verification of the debt.
- Know Your Rights: Familiarize yourself with your rights under the FDCPA. The Consumer Financial Protection Bureau (CFPB) website is an excellent resource.
- Do Not Pay Without Validation: Never provide payment or financial details until you have validated the debt and are certain it is legitimate and belongs to you.
By being accredited and committing to the BBB Standards for Trust, Allied Account Services demonstrates a recognized level of legitimacy in the debt collection industry.
