202-367-9070

What Company Is Calling Me From 202-367-9070? Are They A Scam And Why Are They Calling Me?

IC Systems is the company associated with the phone number 202-367-9070, and they are a debt collection agency. They may be calling to collect a debt, but it’s essential to validate the debt and ensure they’re not violating any debt collection laws, such as the Fair Debt Collection Practices Act (FDCPA). While not identified as a scam, it’s vital to protect your rights by requesting debt validation and being aware of your rights under the FDCPA.

In the end, when receiving a call from a debt collector, it’s crucial to understand your rights and take appropriate action. First, identify if the call is from a debt collector and block the number to avoid harassment. Second, familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and report any violations to the appropriate authorities.

To wrap things up, request debt validation from the collector and negotiate a settlement or payment plan to resolve the debt. If needed, consult a credit counselor or attorney for guidance on handling debt and potential legal action. Document call details, frequency, and potential violations, and seek help from credit counselors or attorneys to address the debt.

In a nutshell, being aware of your rights under the FDCPA and knowing how to handle calls from debt collectors can help protect you from scams and ensure your debt is resolved fairly and legally.

How Can I Block Or Stop Calls From 202-367-9070?

To block or stop calls from 202-367-9070, first, identify if the call is from a debt collector by letting unknown calls go to voicemail and checking for messages mentioning debt collection. Then, contact your phone carrier to permanently block the number through customer support or your online account. Additionally, use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked. If necessary, send a cease and desist letter via certified mail demanding no further calls. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Consult a non-profit credit counselor to help negotiate resolution of the debt or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Is 202-367-9070 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 202-367-9070, first identify if it is a debt collector violating the Fair Debt Collection Practices Act (FDCPA). Block the number and document the call details, including violations. Collectors cannot call outside the hours of 8 am to 9 pm in your time zone, call repeatedly, or use abusive language. To protect your rights, revoke consent for calls outside normal hours, request them to cease contact at work, and send a cease and desist letter. You can also verbally request them to stop calling. If violations occur, report them to the Consumer Financial Protection Bureau, consult an attorney, or contact your state Attorney General’s office. An experienced credit counselor can also help address the debt without further collection calls.

If 202-367-9070 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 202-367-9070 and it’s a debt collector, first ensure you’re dealing with a legitimate agency. Next, validate the debt by requesting written validation from the collector, as required by the FDCPA. Carefully review the validation for accuracy, disputing any incorrect or unrecognized information in writing and requesting removal from your credit report.

Once validated, consider negotiating a settlement or payment plan. Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. If the collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency or attorney for guidance on potential legal action. Keep detailed records of all correspondence and calls for potential complaints, and revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid, exercise your consumer rights under federal and state law, and seek help from professionals to ensure a fair outcome.

Can 202-367-9070 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like the one with the phone number 202-367-9070 is contacting you, they can indeed sue you to recover the owed amount. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to demonstrate your good faith effort to pay.
2. Assert your inability to pay and request they cease contact. This may prevent them from suing, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming. Consult an attorney to discuss if it’s appropriate.

Before agreeing to settle, make sure the proposed payment plan is affordable based on your budget. Get any settlement terms or agreements in writing before making payments. Be aware that a collector can still sue if you default on a settlement. Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 202-367-9070 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive calls from 202-367-9070 and suspect it is a debt collection company, start by verifying the debt’s legitimacy. Request written confirmation and review it carefully to ensure your personal details and the debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider these active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal. This requires paying a lump-sum settlement.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. But they are not obligated to remove it without a formal agreement.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. Keep detailed written records showing your efforts to resolve the disputed collection account.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 202-367-9070?

When it comes to feedback and comments about the phone number 202-367-9070, people often report negative experiences, with many receiving multiple calls daily. A common concern is the debt being collected, as there is often a lack of clarity regarding the specifics of these debts. People have also expressed dissatisfaction with the tactics used by the agency’s representatives, which are often perceived as aggressive and heavy-handed. To address these concerns, first identify if the call is from a debt collector and block the number to reduce disruption. Be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations. Request debt validation and negotiate a settlement or payment plan with the debt collector to resolve the issue more efficiently. In some cases, consulting a credit counselor or attorney for guidance on handling debt and potential legal action may be necessary. Document call details, frequency, and potential violations to assist in addressing the debt and seeking assistance from credit counselors or attorneys.