Allegiant Capital Recovery is a small debt collection agency in Buffalo, New York. Its website lists medical collections, pre-collection programs, post-judgment recovery and small-business invoice collection.
- Type
- Collection agency
- Also known as
- Allegiant Capital Recovery LLC; Allegiant Capital Recovery Services, LLC
- Headquarters
- Buffalo, NY
- Collects
- medical bills, post-judgment balances, small business invoices
- Phone numbers it lists
- (833) 678-1344
- Website
- allegiantcapitalrecovery.com
16 debt collection complaints were sent to the Consumer Financial Protection Bureau about Allegiant Capital Recovery LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Allegiant Capital Recovery?
Allegiant Capital Recovery is a debt collection agency at 3280 South Park Avenue, Suite 1, in Buffalo, New York. Its website uses the name Allegiant Capital Recovery Services, LLC in its contact block and debt collector notice, while the copyright line reads Allegiant Capital Recovery, LLC. The site lists an NMLS number, which you can look up in the NMLS Consumer Access database to see the states where it holds licenses.
The company describes a small operation, citing eight employees on its home page. We did not find a CFPB enforcement action against Allegiant Capital Recovery. Do not confuse it with other companies that use the name "Allegiant."
Why Allegiant Capital Recovery May Be Contacting You
According to its services page, Allegiant handles:
- medical collections, which it says it provides for medical facilities nationally;
- pre-collection or early-placement programs, which aim to resolve accounts before they go further;
- post-judgment recovery, meaning collection of court judgments a creditor has already won; and
- outsourced follow-up on unpaid small-business invoices.
So a call or letter from Allegiant may concern a medical bill, a balance a business recently placed with it, or a judgment entered against you. The company encourages consumers to pay through its online portal.
How to Check a Debt Allegiant Capital Recovery Says You Owe
- Before paying online, get the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It must name the current creditor, itemize the debt and state your dispute deadline.
- Dispute in writing within that period if you do not recognize the creditor or the amount, and keep a copy.
- Ask who owns the account and whether Allegiant is collecting for the original business, a later owner or a judgment holder.
- For a judgment, get the court and case number and confirm it exists before paying.
- Check the age of the debt. In Texas, the general deadline to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). New York and other states have different rules.
What Allegiant Capital Recovery Can and Can't Do
Allegiant collects debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Key limits:
- It may not report a debt to a credit bureau before communicating with you about it (12 C.F.R. § 1006.30(a)), and paid medical collections or those under $500 should not appear under the bureaus' policies; see our medical debt reporting note.
- It may not charge a fee for paying online or by phone unless the law or your agreement allows it (15 U.S.C. § 1692f(1)); see our note on pay-to-pay fees.
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- It may not threaten action, such as garnishment, that it cannot or will not take (15 U.S.C. § 1692e(5)).
See how to dispute a debt or our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Allegiant Capital Recovery or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Allegiant Capital Recovery: home page
- Allegiant Capital Recovery: services
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Allegiant Capital Recovery LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Allegiant Capital Recovery has violated any law. Company details change; tell us if something here is out of date.