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What Company Is Calling Me From 6786065537 And Why Are They Calling? Are They A Debt Collector?

If you’ve received a call from 678-606-5537, it’s likely Hollis Cobb Associates reaching out to you. They are a debt collection agency located in Duluth, Georgia. Their purpose is to contact individuals regarding overdue or defaulted debts on behalf of creditors and debt buyers. However, it’s important to be cautious as there have been reports of aggressive tactics used by this company.

If you find yourself being contacted by Hollis Cobb Associates, it is crucial to verify the validity of the debt. If you dispute owing the debt, you can request written validation. Additionally, familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and consider asking them to stop contacting you. Should the debt be legitimate, you have the option to negotiate a settlement or establish a payment plan. Remember, if you encounter any illegal or abusive practices, it is advisable to report them to the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).

In summary, if 678-606-5537 is calling you, it is likely Hollis Cobb Associates, a genuine debt collection agency. Make sure you take the necessary steps to verify the debt, understand your rights, and appropriately handle any aggressive tactics. If you need further clarification or have additional questions, please don’t hesitate to reach out.

How Can I Block Or Stop Calls From 6786065537?

To block or stop calls from the number 6786065537, follow these steps:

First, it’s important to identify if the call is from a debt collector. To do this, let unknown calls go to voicemail and avoid answering them directly. Debt collectors may leave messages regarding debt collection.

Next, block further calls by taking the following measures. Contact your phone carrier and request to permanently block the number. Alternatively, you can use call blocking apps such as Nomorobo or Hiya. Another option is to set contacts not in your address book to either go straight to voicemail or be blocked.

In addition, it can be helpful to formally request no further contact. To do this, send a cease and desist letter via certified mail, demanding that the caller stops making any more calls. It’s also important to check if your state has additional laws on collection calls without written notice and exercise your rights accordingly.

Lastly, consider seeking assistance in addressing any underlying debt. Consult a non-profit credit counselor who can provide guidance and assistance with debt resolution. If the collector violates regulations, it may also be worth speaking to a consumer protection attorney for further advice.

Remember, blocking calls does not eliminate any legitimate debts owed. However, it can provide relief from harassment while you work towards resolving any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 6786065537, And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have specific rights and protections as a consumer regarding calls from the number 6786065537. To determine if they are violating the FDCPA, keep track of the call details such as date, time, frequency, and phone number. Pay attention to calls made outside the allowed hours of 8am – 9pm in your time zone and repeated calls over a short period. Also, make note of any abusive, threatening, or obscene language used during the calls.

To exercise your rights, you can revoke any previous consent given to contact you outside normal hours by sending a written notice. If your workplace prohibits such calls, you can formally request that they stop contacting you there. Another option is to send a cease and desist letter via certified mail, demanding no further contact by phone. Additionally, during any conversation, you can verbally ask them to stop calling.

If you need assistance in taking further steps, report any violations with documented evidence to the Consumer Financial Protection Bureau to initiate an investigation. It is advisable to consult with a consumer protection attorney to fully understand your rights and explore options such as pursuing damages through a lawsuit. Contact your state Attorney General’s office for guidance if you believe the FDCPA has been violated. Lastly, seek advice from an experienced credit counselor on how to address the debt without inviting more collection calls.

It is crucial for debt collectors to abide by the FDCPA guidelines when reaching out to consumers. By keeping detailed records and asserting your rights, you can take steps towards preventing further harassment from debt collectors.

If Company From 6786065537 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company from 6786065537 is a debt collector, you have options to validate the debt and address it. The first step is to formally request written validation of the debt through a debt validation letter, as mandated by the FDCPA. Carefully review the validation provided, checking for accuracy in your personal details, creditor name, account number, and amount owed. Should you come across any errors or unfamiliar information, dispute it in writing and request its removal from your credit report.

After the debt has been validated, you can explore various options. Negotiating a lump-sum settlement or a payment installment plan in writing before making any payment is one possibility. Another option is to offer a partial payment of 30-50% of the balance, if affordable, while requesting deletion from your credit report in exchange. If the debt collector violates any regulations outlined by the FDCPA during collection, assert your rights under this act. Seek assistance from a non-profit credit counseling agency for guidance in negotiating debt resolution. It may also be beneficial to consult with an attorney to explore alternatives such as bankruptcy or legal action against the collector.

To protect your interests, keep meticulous records of all correspondence and calls, as these may be useful for potential complaints. Additionally, you have the right to revoke any previous permission granted to contact you outside the guidelines established by the FDCPA. It is crucial not to overlook a potential debt collector. Confirm the validity of the debt and exercise your consumer rights under both federal and state law before determining the best course of action. Seeking help from professionals can help ensure a fair resolution.

Can The Company From 6786065537 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 6786065537 is a legitimate debt collector, they have the potential to sue you and garnish your wages to recover the owed amount. They may obtain a court judgment that gives them the legal authority to take such actions. To avoid this, you can take several steps.

First, negotiate affordable lump-sum or installment payments with the debt collector in writing to demonstrate your willingness to pay. You can also state your inability to pay and request that the collector cease contact, although this may not guarantee they won’t proceed with legal action. Seeking guidance from a non-profit credit counselor who can work with the debt collector on your behalf is another option. Additionally, you can consider hiring a consumer law attorney to understand your protections under the Fair Debt Collection Practices Act (FDCPA) and state laws against unreasonable lawsuits. If your debts are overwhelming, exploring the option of bankruptcy and consulting with an attorney can help you determine if it’s the right path for you.

Before agreeing to settle, carefully consider several factors. Make sure the proposed payment plan is realistically affordable based on your budget. Obtain written settlement terms or agreements before making any payments. Remember that a collector can still sue if you default on a settlement. Avoid settling for a lump sum that you cannot realistically afford, as it may cause more financial harm in the long run.

Ultimately, settling can often be a sensible option to avoid legal action, but it’s crucial to fully understand your options and rights before making any decisions. Seek assistance from professionals to ensure you make informed choices.

If 6786065537 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 6786065537 is a collection company, the first step is to validate the legitimacy of the debt. Request written confirmation and carefully review the validation for accuracy. If any information is incorrect, dispute the debt in writing, citing the Fair Credit Reporting Act. You have the right to demand the removal of the collection tradeline from your credit file.

If the debt is confirmed as valid, there are several active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, settling the debt in exchange for its removal from your credit report. Another approach is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Seeking assistance from a credit repair service or consulting a consumer law attorney can provide guidance in disputing the debt or taking legal action for removal and potential damages.

Alternatively, you can choose to wait for the 7-year credit reporting time limit for the collection to automatically fall off your credit report. However, if the collector violates laws or refuses to remove inaccurate information, you have the option to file a complaint with the Consumer Financial Protection Bureau. It’s important to maintain meticulous written records of all your efforts to resolve the disputed collection account throughout the process.

Remember that by validating debts, negotiating with collectors, and asserting your rights, you can persistently work towards removing collections from your credit report. However, it is crucial to determine the legitimacy of the debt before taking any action.