FDCPA Cease & Desist
Why Is Alliant Capital Calling Me?
Alliant Capital Management is a debt collection agency in Buffalo, New York. If they are calling, they say you owe a debt they are collecting for a bank, card issuer, phone company or medical provider. Below is what to do before you pay anything, your rights under federal law, and how to make the calls stop in writing.
Alliant Capital Management is a real collection agency, not a scam caller. That does not mean the debt they are calling about is accurate, or that you have to keep taking their calls.
Free preview, pay only to unlock and mail
Who is Alliant Capital Management?
Alliant Capital Management is a third party debt collection agency based in Buffalo, New York. It collects on behalf of banks, credit card companies, telecom providers, and healthcare companies, and in some cases buys the debt outright before collecting on it. It is said to operate in many states. Check your state's licensing database. You may also see them listed as Alliant Capital or Alliant Capital Management LLC on your credit report or caller ID.
Company type
collection agency
Commonly collects
credit cards · personal loans · telecom bills · medical bills
Phone numbers consumers report for Alliant Capital Management
If you got a call or text from one of these numbers, it may have been Alliant Capital Management. You are not required to answer. A written cease and desist letter under 15 U.S.C. Section 1692c generally limits further contact, which is what the letter below does.
Numbers reported by consumers online. Scammers can fake caller ID, so verify before you share any information.
You can check any collector's complaint history in the CFPB's public complaint database at consumerfinance.gov before you engage with them.
Your rights when Alliant Capital Management calls
Two federal rules control how Alliant Capital Management may contact you. The FDCPA (15 U.S.C. Section 1692c) gives you the right to cut off contact entirely with a written request. Regulation F, in force since 2021, presumes a collector is harassing you if it calls more than 7 times in 7 days about a single debt, or calls again within 7 days after speaking with you about that debt.
- Validate first. Within 30 days of first contact you can demand proof of the debt. If you dispute the debt in writing within the validation period, the collector must pause collection until it sends verification.
- Then send a written cease and desist. Cite 15 U.S.C. Section 1692c(c) and send it by USPS Certified Mail with return receipt. Phone requests do not trigger the law. It has to be in writing.
- Keep everything. Save the receipt, the green card, and a log of any call after delivery. Each violation is worth up to $1,000 in statutory damages plus attorney fees, and consumer attorneys take these cases on contingency.
Stop Alliant Capital Management From Calling
We draft your cease and desist letter, citing 15 U.S.C. Section 1692c(c) and your state's debt collection law, with Alliant Capital Management's name pre-filled. Add USPS Certified Mail with proof of delivery so you have evidence if they call again.
Stop The Calls: Start My LetterFree preview, pay only to unlock and mail
Alliant Capital Management FAQs
What should I do when Alliant Capital contacts me?
Do not confirm the debt or pay on the first call. Note the date, the number and the caller's name. Ask for the validation notice in writing. If you dispute the debt in writing within 30 days of that notice, Alliant must pause collection until it sends verification. Check the balance against your own records and your credit report. If you want the calls to stop, send a written cease and desist by certified mail.
Should I pay Alliant Capital online?
Alliant runs an online payment portal. Paying is your choice, but only pay after you have the written validation notice and have confirmed the debt is yours and the amount is right. In some states a payment on an old debt can restart the statute of limitations. If you agree to a settlement, get the terms in writing before you pay.
Is a call from 877-957-8122 really Alliant Capital?
Consumers report 877-957-8122, 716-362-0907 and 877-923-2069 as Alliant Capital numbers. Caller ID can be faked, so never give your Social Security number or bank details on a call you did not place. Call back using the number on the written notice or on Alliant's own website.
Is Alliant Capital Management a legitimate company or a scam?
Alliant Capital Management is a real collection agency based in Buffalo, New York, not a scam operation. But legitimate company does not mean accurate debt. Collectors regularly pursue balances that are wrong, already paid, past the statute of limitations, or belong to someone else. Ask for written validation of the debt before you pay or even acknowledge it.
Why is Alliant Capital Management calling me?
Alliant Capital Management typically collects credit cards, personal loans, telecom bills, medical bills. As a third party agency, they were hired by the original creditor to collect on its behalf. If you do not recognize the debt, request validation in writing within 30 days of their first contact.
How do I make Alliant Capital Management stop calling?
Send a written cease and desist letter citing 15 U.S.C. Section 1692c(c), the FDCPA cease communication provision. Send it by certified mail with return receipt so you have proof of delivery. Once Alliant Capital Management receives it, they may only contact you to confirm they are stopping or to notify you of a specific legal action. Any other contact is a violation worth up to $1,000 in statutory damages plus attorney fees.
Can Alliant Capital Management still sue me after I send a cease and desist?
Yes, a cease and desist stops contact, it does not erase the debt. If the debt is valid and within the statute of limitations, Alliant Capital Management could still file suit. In practice, most accounts are never litigated. If you are served with court papers, respond by the deadline, because ignoring a lawsuit leads to a default judgment.
Dealing with a different collector?
Want the full legal background? Read our guide on how to stop debt collector calls under the FDCPA or check your state's cease and desist rules.
Company details are provided for general information and may change. This page is not legal advice and kweldoc is not affiliated with Alliant Capital Management. kweldoc is a document drafting tool, not a law firm.