“How to Delete Allied Interstate Inc From Your Credit Reports and Regain The Credit Score You Are Entitled too”

Has Your Debt Been Bought by a Collections Agency like Allied Interstate Inc? Fight Back Like I Did With Help From Lexington Law

Financial problems can happen to anyone, no matter who frugal or responsible you think you’re being. It only takes one huge, unpredictable expense to derail all your careful budgets and financial planning.

If you’ve fallen behind on your loan payments, credit card bills, or medical fees, your creditors may eventually sell your debt to a collection agency like Allied Interstate Inc. If that happens, you need to take action immediately! Don’t let Allied Interstate pump up your bill with added interest and fees. Don’t let them report your debt to the credit bureaus and ruin your credit scores either. Instead, take action against them, and take back control of your life.

I hope that my experience will teach you a few things about debt collection agencies like Allied Interstate Inc and inspire you to get the help you need to repair your credit now.

As a result of personal circumstances that I won’t go into here, I ended up owing a large debt to one of my creditors. This debt was then sold to Allied Interstate Inc. After buying my debt for pennies on the dollar, Allied Interstate Inc proceeded to aggressively pursue repayment of the debt. I don’t know why they thought I would suddenly be able to pay them a larger amount, when I hadn’t been able to pay the original amount to my first creditor!

Shortly after the weekly letters and daily phone calls from Allied Interstate Inc began, I received notices from all three credit bureaus showing that I now had several collection items from Allied Interstate Inc in my credit history. Something called a “civil judgment” had also been entered onto my credit report!

At first I didn’t understand what that was, but eventually I figured out that a civil judgment is another type of collection item. However, because it is a ruling it is the WORST type of entry to have on your credit report. In my case, my credit score had dropped 250 points because of this civil judgment.

Unfortunately, a civil judgment can remain on your credit history for 10 to 12 years. During this time, ANYONE who requests your credit report can see it, because judgments are public record. I knew that if I ever wanted to apply for a new job, my potential employer would look at my credit report to see if I was a reliable individual.

Same story for a potential new landlord or any type of lender. With a terrible credit score like mine, I was labeled a bad investment and I wouldn’t be getting any chances at new credit of any kind.

It seemed completely illogical–Allied Interstate Inc wanted me to pay them, but in order to do that I had to earn more money. By ruining my credit they’d just made that nearly impossible!

Still, I had an adequate job at the time, and I didn’t expect to need a new car or a new apartment any time soon. So it was very tempting to just ignore my credit problems. I threw away the letters from Allied Interstate Inc unopened, and I learned to ignore the harassing phone calls from their representatives.

This was the WRONG tactic! In fact, it was the opposite of what I should have done. Instead of ignoring the problem and letting Allied Interstate Inc add more and more interest and fees to my balance, I should have been taking measures to free myself from their grasp.

Fortunately, I soon learned some scary facts about credit judgments that broke me out of my inertia:

1. If you have an unresolved credit judgment on your record, your creditors may be able to seize your assets and sell them as a means of recouping their investment. This is really awful because the creditors will sell all your hard-earned belongings at rock bottom prices.

2. If your creditors manage to place a lien on your home or property, and you still don’t pay your debt, they can force you to sell and give them all the money.

3. In extreme cases, a judgment can lead to creditors taking money directly from your paychecks or bank account via wage garnishment.

When I learned about these potential consequences, I finally sprang into action. I couldn’t have the possibility of liens, asset seizures, and wage garnishments hanging over my head for the 10 to 12 years it would take for the judgment to fall off of my credit history!

I felt like I knew plenty about the problem, so I started researching a solution. I found several credit repair services online, and I compared them based on prices, services offered, and their ratings on the Better Business Bureau website. A company called Lexington Law stood head and shoulders above all the rest.

I was really impressed by Lexington Law’s track record of helping people just like me repair their credit. In an average quarter, Lexington Law got 1,700 collection items deleted for their clients! They routinely raise credit scores 200 points or more. Best of all, the service takes only a few months to complete, and results are often seen in just 30 days.

I called Lexington Law for a free consultation. The woman that I spoke to was very professional, as well as kind and understanding. She confirmed everything I’d learned during the course of my research, plus she taught me a few new things.

First of all, she told me that it was actually good that I’d never engaged directly with Allied Interstate Inc. She said that many people make the mistake of thinking that they can reason with the debt collector assigned to their case and sway him or her with sad stories or appeals to human sympathy. In fact, debt collectors are immune to this tactic. Talking to them on the phone just gives them an opportunity to pressure or guilt you into agreeing to a payment plan that is not in your best interests.

She also said that people who try to be their own lawyers often end up ruining their chances of successfully disputing their debts. For example, if you write too many letters to a collection agency, they will probably flag your complaint as “frivolous” and start ignoring you. Seems unfair to me! For every letter that Allied Interstate Inc writes to a client, they should have to read one in return!

Also, the Lexington Law rep congratulated me on not having made any payments to Allied Interstate Inc before consulting with a lawyer. She said that making a payment can restart the statute of limitations and admit responsibility for the debt, two factors which can really hurt your chances of successful debt dispute in the future.

According to Lexington Law, the first thing we needed to do was make Allied Interstate prove that I owed the debt in question via the debt validation process. Next, we would check the statute of limitations and also make sure that Allied Interstate Inc had not violated the Fair Debt Collection Practices Act at any point.

I was very glad to have Lexington Law take over for me and handle these complex legal issues on my behalf. I felt a great sense of relief and satisfaction that I had finally chosen a good course of action. I no longer believed that I was going to have to live with bad credit for the next 10 to 12 years.

Lexington Law did not disappoint. Within 30 days, they got my judgment deleted from the credit history. Plus, they got several other outstanding collection items removed. You can’t imagine how proud I was of my new, clean credit report! Within a few months, my credit score had bounced back, and I felt confident enough to go buy a new car. Well, a car that’s new to me, that is! Thanks to Lexington Law, I was able to get a decent rate on my auto loan.

If you’re dealing with obnoxious debt collectors and terrible credit scores, remember these key points from my experience:

-Don’t ignore the problem.

-Don’t engage with the debt collectors on your own.

-Don’t pay unless you’re sure you have to.

-Hire a lawyer from Lexington Law!

With help from Lexington Law, you can get control of the situation for once and for all!