202-870-5858

What Company Is Calling Me From 202-870-5858? Are They A Scam And Why Are They Calling Me?

First, determine if the caller is from IC System, a debt collector. They may be calling to collect a debt that can negatively impact your credit score. IC System might have purchased your debt or is working on behalf of another company. To address this, reach out to a credit repair company that can review your credit report for free and help you navigate your options, such as removing IC System from your credit report without having to pay the debt.

Remember to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations. Sending a cease and desist letter can help stop the calls, and keeping records of calls can be useful for potential legal action. Consult a non-profit credit counselor or consumer protection attorney to help address the debt and negotiate a resolution. Request written validation of the debt and dispute any incorrect information to verify its legitimacy. If the debt is valid, be aware of the legal consequences and adopt healthy financial habits to avoid debt collectors in the future.

How Can I Block Or Stop Calls From 202-870-5858?

If you are receiving unwanted calls from 202-870-5858, it is essential to determine if it is a debt collector attempting to reach you. If it is, follow these steps to block the calls and address the situation:

1. Let unknown calls go to voicemail and do not answer them directly. Debt collectors may leave messages stating they are attempting to collect a debt.
2. Contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account.
3. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
4. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.
5. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.
6. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights.
7. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.
8. Consult a non-profit credit counselor to help negotiate resolution of the debt.
9. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.
10. Do not avoid unknown calls altogether. Check voicemail to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 202-870-5858 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from 202-870-5858, first determine if the caller is a debt collector from IC System. If so, you can take several steps to protect your rights and address the situation. Block the number, send a cease and desist letter, and keep detailed records of all calls. Consult a non-profit credit counselor or a consumer protection attorney for assistance. Be aware of your rights under the FDCPA and report any violations. If the collector is violating the FDCPA, you may be able to sue for damages. Request written validation of the debt and dispute any incorrect information. If the debt is legitimate, negotiate a settlement or payment plan, and maintain detailed records of all communication. Adopt healthy financial habits to avoid encountering debt collectors in the future.

If 202-870-5858 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 202-870-5858 and believe it’s a debt collector, start by identifying the company and verifying its legitimacy. Block the number and send a cease and desist letter to halt any further calls. Consult a non-profit credit counselor or consumer protection attorney for guidance on addressing the debt. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and report any violations. Request written validation of the debt and dispute any incorrect information. Negotiate a settlement or payment plan, and consider partial payment with debt removal request. Understand the consequences if the debt is legitimate and maintain detailed records. Seek credit repair services or attorney assistance if necessary, and adopt healthy financial habits to prevent future debt collector issues.

Can 202-870-5858 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector calling from 202-870-5858 is indeed a debt collector, they could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, it’s essential to take the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact. This may prevent suit, 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. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

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 202-870-5858 Is A Collection Company, How Can I Remove It From My Credit Report?

If 202-870-5858 is a collection company, you can remove it from your credit report by first validating the debt’s legitimacy. Request written confirmation from the collection agency and review it carefully to ensure your personal details and debt information are accurate. If any information is incorrect, send a written dispute 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.

You can also wait for the 7-year credit reporting time limit for the collection to automatically fall off your report or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another consideration.

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 202-870-5858?

People often leave feedback about the phone number 202-870-5858, which is associated with IC System, a debt collection agency. They report receiving multiple calls from this number, usually related to bill collection. Some have even filed complaints with the State Attorney General’s Office. As IC System follows the Fair Debt Collection Practices Act, they are required to send a validation letter within five days of contacting you.

To prevent debt collectors from bothering you, it’s essential to pay your bills on time and maintain a budget. For assistance, consider consulting credit repair companies to understand your consumer rights and negotiate payment plans. If you’re still receiving calls, block the number through your phone carrier or use call blocking apps.

Sending a cease and desist letter can help stop the calls, and keeping records of the calls may be useful for potential legal action. Seek help from non-profit credit counselors or consumer protection attorneys to address the debt and negotiate resolutions. Remember to understand and assert your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations.

Request written validation of the debt and dispute any inaccurate information. Negotiate a settlement or payment plan, and be aware that partial payment may result in debt removal. Verify the debt’s legitimacy and consider the legal consequences if it’s true. Maintain detailed records and think about seeking credit repair services or attorney assistance. Lastly, adopt healthy financial habits to avoid debt collectors in the future.