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What Company Is Calling Me From 202-367-9779? Are They A Scam And Why Are They Calling Me?

The company calling from 202-367-9779 is Ic System, a debt collector. They might be contacting you to collect a debt that they either bought from the original creditor or are collecting on behalf of another company. Having a collections account on your credit report can lower your credit score and affect your credit approval chances. To stop Ic System from calling, you can reach out to a company specializing in debt collector assistance, such as a credit repair company. They can help review your credit report and guide you through the best options for removing Ic System without paying your debt. It’s essential to remember that Ic System is a legitimate debt collector, but they must follow the Fair Debt Collection Practices Act (FDCPA), which protects your rights and prohibits harassment or unfair practices.

How Can I Block Or Stop Calls From 202-367-9779?

First, let the unknown calls go to voicemail and don’t answer directly to identify if it’s a debt collector. Once identified, block further calls by contacting your phone carrier, using call blocking apps, or setting contacts not in your address book to go straight to voicemail.

Next, send a cease and desist letter via certified mail, demanding no further calls. Seek help from a non-profit credit counselor to negotiate debt resolution and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Remember, blocking calls won’t eliminate any legitimate debts, but taking these steps can stop harassment and help address any outstanding debts.

Is 202-367-9779 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from unfair treatment and harassment by debt collectors. If you’re receiving calls from 202-367-9779, it’s crucial to document the details of each call, including date, time, frequency, phone number, and any abusive language used. If calls are outside of the allowed hours of 8 am to 9 pm in your time zone, or if you receive repeated calls within a short period, these may indicate FDCPA violations.

To protect your rights, you can revoke any prior consent given for calls outside of regular hours, request that collectors cease contacting you at your workplace, and send a cease and desist letter via certified mail. You can also verbally request that they stop calling during any conversation.

If you believe your rights have been violated, report the debt collector to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. Alternatively, you can seek assistance from a credit counselor to address the debt without incurring further collection calls.

Ultimately, adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 202-367-9779 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 202-367-9779 and they claim to be a debt collector, it’s essential to validate the debt and explore your options. To do this, request written validation of the debt by sending a debt validation letter to the collector. They are legally obligated to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you’ve validated the debt, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before making any payment. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report. If the collector violates FDCPA regulations, formally assert your rights. Consult a non-profit credit counseling agency for assistance with debt resolution or seek legal advice from an attorney to explore bankruptcy or potential legal action against the collector.

Maintain detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to the collector if they contact you outside FDCPA guidelines. Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before deciding on the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 202-367-9779 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 202-367-9779 and they are a debt collector, they have the legal right to sue you if you owe a legitimate debt. In such a case, a court judgment could result in wage garnishment or seizure of your bank accounts. To avoid legal action, try negotiating an affordable lump-sum or installment payment plan in writing, asserting your inability to pay and requesting they cease contact. You can also seek guidance from a non-profit credit counselor or hire a consumer law attorney. Bankruptcy could be an option if your debts are overwhelming.

Before deciding to settle, ensure the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing, and be aware that the collector can still sue if you default on a settlement. Settling can be a practical solution to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights before making a decision.

If 202-367-9779 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’re dealing with a debt collection company like Ic System calling from 202-367-9779, it’s crucial to first validate the debt to ensure it’s legitimate. Request written confirmation of the debt, and review the validation 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 negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources to assist in getting it removed is another option.

Another strategy is waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another avenue to explore.

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 202-367-9779?

People often leave feedback about 202-367-9779, stating that it is associated with IC Systems, a debt collection agency. Common complaints include persistent calls without leaving messages and sometimes rude behavior from the callers. It is important to remember that debt collection agencies like IC Systems are following the Fair Debt Collection Practices Act (FDCPA). If you receive a call from this number or any other unknown debt collector, verify the legitimacy of the call and the debt being collected. To protect yourself from further calls, block the number and utilize phone carrier features, call blocking apps, or smartphone settings. If the calls continue, send a cease and desist letter and maintain detailed records for potential legal action. Additionally, request written validation of the debt through a debt validation letter and negotiate a settlement or payment plan with the debt collector. In some cases, legal action, bankruptcy, or credit repair services may be necessary to remove disputed collection accounts from your credit report.

You must check your credit report

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