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What Company Is Calling Me From 6789697840 And Why Are They Calling? Are They A Debt Collector?

The company calling from 678-969-7840 is Patient Accounts Bureau, also known as Hollis Cobb Associates. They are a debt collection agency based in Norcross, Georgia. They are reaching out to you because you have an outstanding debt that has been assigned to them for collection by the original creditor. Patient Accounts Bureau is a legitimate debt collector and they are committed to following consumer protection laws, including the Fair Debt Collection Practices Act. If you don’t recognize the debt or believe that you don’t owe it, you have the right to ask for written validation and proof of the debt from Patient Accounts Bureau. You can let them know that you decline to pay or make arrangements over the phone and request that all further communication be done through mail. Should the calls become excessive or harassing, you have the option to send them a cease and desist letter, which legally obligates them to stop contacting you. However, it’s important to note that ignoring valid collection efforts may lead to further escalation, potentially including legal action. It is advisable to collaborate with Patient Accounts Bureau in good faith to resolve the debt if it is indeed valid.

How Can I Block Or Stop Calls From 6789697840?

If you want to block or stop calls from the number 6789697840, here’s what you can do. First, let any unknown calls go to voicemail and avoid answering them directly. This way, you can avoid engaging with potential debt collectors.

Next, take steps to block further calls. You can contact your phone carrier and ask them to permanently block the number. Another option is to use call blocking apps like Nomorobo or Hiya. These apps can automatically filter out the number so that you won’t receive any more calls. If you have a smartphone, you can also set contacts not in your address book to go straight to voicemail or be blocked.

Additionally, consider formally requesting no further contact from the caller. You can send a cease and desist letter via certified mail, clearly stating that you do not wish to receive any more calls. If your state has specific laws regarding debt collection beyond the Fair Debt Collection Practices Act (FDCPA), you can mention those rights in your letter as well. Make sure to keep detailed records of all calls in case you need them for potential legal action.

Finally, seek help in addressing the underlying debt. Consult a non-profit credit counselor who can assist you in negotiating a resolution for the debt. If the collector violates any regulations, it may be advisable to speak with a consumer protection attorney. Keep an eye on your voicemails for any messages from an identified collector.

Remember, blocking calls does not eliminate any legitimate debts you may owe, but it can help stop harassment while you address any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 6789697840 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it’s important to know your rights under the Fair Debt Collection Practices Act (FDCPA) when receiving calls from 6789697840. To determine if they are violating the FDCPA, document the date, time, frequency, and details of the calls. Be sure to take note if they call outside the allowed hours of 8am – 9pm in your time zone. If they repeatedly call within a short period or use abusive language, this may also be considered a violation.

To assert your rights, you can revoke any prior consent given to call outside normal hours in writing. If your workplace prohibits calls, formally request that they stop contacting you there. You can also send a cease and desist letter via certified mail, demanding no further contact by phone. During any conversation, you have the right to verbally request that they stop calling.

If you believe there are violations of the FDCPA, it’s important to report them to the Consumer Financial Protection Bureau with proper documentation for investigation. It may be helpful to consult with a consumer protection attorney to fully understand your rights and explore potential options, such as suing for damages. If you need further guidance, consider reaching out to your state Attorney General’s office. Additionally, seeking advice from an experienced credit counselor can provide helpful insights on how to address the debt without incurring additional collection calls.

Remember, keeping detailed records and asserting your rights are crucial steps to prevent further harassment from debt collectors. Stay informed and take proactive measures to protect yourself as a consumer.

If Company From 6789697840 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from the phone number 6789697840 is a debt collector, you have options to validate the debt and address it effectively. Start by requesting written validation of the debt through a debt validation letter. The collector is obligated to provide this under the Fair Debt Collection Practices Act (FDCPA). Review the validation carefully, checking for accuracy in personal details, creditor name, account number, and amount owed. If you find any incorrect or unrecognized information, dispute it in writing and request its removal from your credit report.

Once the debt has been validated, you can consider various options for dealing with it. You may negotiate a reasonable lump-sum settlement or create a payment installment plan, but make sure to get any agreements in writing before making any payments. Another option is offering a partial payment of 30-50% of the balance if it’s affordable, while requesting the debt’s deletion from your credit report. If the debt collector violates any regulations during the collection process, you have the right to assert your rights under the FDCPA. It can be helpful to consult a non-profit credit counseling agency for guidance on negotiating debt resolution. You may also seek advice from an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints, and remember that you can revoke any prior permission given to contact you outside of FDCPA guidelines.

Never ignore a potential debt collector. Validate the debt and exercise your consumer rights under federal and state law before deciding on the best course of action. Seeking assistance from professionals can ensure a fair resolution to your debt issue.

Can The Company From 6789697840 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 6789697840 is a debt collector and the debt is legitimate, they have the potential to sue you to recover the owed amount. In the event that they obtain a court judgment, they can then proceed to garnish your wages or bank accounts. To prevent legal action, it is advisable to negotiate affordable lump-sum or installment payments in writing, as this demonstrates your willingness to pay. Additionally, if you are unable to pay, you can request that they stop contacting you, but be aware that this may not necessarily prevent a lawsuit. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can provide valuable insights into your rights and protections. If your debts become overwhelming, bankruptcy may be an option worth considering, but always consult with an attorney first. Prior to agreeing to a settlement, carefully evaluate the proposed payment plan to ensure it aligns with your budget. Obtain any settlement terms in writing, and keep in mind that a collector can still initiate legal action if you default on the settlement. Settling is often a sensible choice to avoid legal consequences, but it is crucial to commit to payments that you can sustain in the long run.

If 6789697840 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 6789697840 is a collection company, the first step to getting it removed from your credit report is to validate the debt. Request written confirmation of the debt and carefully review the validation for any inaccuracies. If you find any incorrect information, send a written dispute to the collection agency stating that the debt is inaccurate under the Fair Credit Reporting Act and demand removal from your credit file.

If the collector verifies the validity of the debt, you have several options. 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 option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill. You can also consider hiring a credit repair service to dispute the debt on your behalf and provide legal resources for removal.

Waiting for the 7-year credit reporting time limit is another option. After this time period, the collection should automatically fall off your credit report. If the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. In some cases, consulting a consumer law attorney may be necessary to determine if you can sue for removal and damages if the collector has broken laws.

Throughout this process, remember to keep detailed records of all your efforts to resolve the disputed collection account. By taking proactive steps, such as validating debts, negotiating with collectors, and asserting your rights, you can increase your chances of successfully removing collections from your credit report. Always prioritize determining the legitimacy of the debt before taking any further actions.