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What Company Is Calling Me From 8002797951 And Why Are They Calling? Are They A Debt Collector?

Based on the search results, it seems that the phone number 800-279-7951 belongs to IC System, a debt collection agency located in Saint Paul, Minnesota. IC System has been in business since 1938 and focuses on accounts receivable management and debt collection services. They may be contacting you because a creditor has assigned them the task of collecting an unpaid debt. It is important to note that IC System is required to adhere to consumer protection laws like the Fair Debt Collection Practices Act, which prohibits harassment and false statements. If you doubt that you owe the debt or would like verification, you have the option of sending them a debt validation letter to request proof of the debt’s validity. Keep in mind that if the debt is too old and has surpassed the statute of limitations for collection in your state, you can ask them to cease contacting you, following the guidelines outlined in the FDCPA. In summary, it appears that IC System is a genuine debt collection agency calling you about a possible outstanding debt. Be sure to verify any debts and familiarize yourself with your rights when dealing with debt collectors. Please let me know if you require any further clarification or have additional questions!

How Can I Block Or Stop Calls From 8002797951?

If you are receiving unwanted calls from the number 8002797951, there are steps you can take to block or stop these calls. First, determine if the calls are from a debt collector by letting unknown calls go to voicemail. Debt collectors may leave messages about debt collection.

Once you confirm the calls are from a collector, contact your phone carrier to permanently block the number. Most major carriers offer call blocking services through customer support or your online account. You can also use call blocking apps like Nomorobo or Hiya to automatically 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.

To stop further contact from the debt collector, send a cease and desist letter via certified mail, demanding they stop calling you. Keep detailed records of all calls received to show a pattern of harassment if legal action is considered.

Address the underlying debt by consulting a non-profit credit counselor who can help negotiate a resolution. Speak to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations. Regularly check your voicemails as the collector may leave messages regarding the debt.

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

What Are My Rights As A Consumer Regarding Calls From 8002797951 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from 8002797951. If the caller violates the FDCPA, you can take action.

To determine if the caller is violating the FDCPA, make sure to document all calls from the number. This includes noting the date, time, frequency, and any details of the calls. Pay attention to calls that occur outside the allowed hours of 8am – 9pm in your time zone, unless you have agreed to other hours. Additionally, if the caller repeatedly contacts you over a short period or uses abusive language, this may also be considered a violation.

To assert your rights, it is important to revoke any prior consent you may have given for calls outside normal hours. This should be done in writing. You can also request that they do not contact you at your workplace if your employer prohibits such calls. In addition, send a certified cease and desist letter demanding no further contact by phone, and verbally ask them to stop calling during any conversation.

If you believe that the caller has violated the FDCPA, you should report them to the Consumer Financial Protection Bureau. It may also be helpful to seek assistance from a consumer protection attorney or your state Attorney General’s office. Another resource to consider is consulting with a credit counselor, who can help you address the debt without having to deal with further collection calls.

Remember, it is important to keep detailed records of all communication with the caller and assert your rights to prevent any harassment from debt collectors.

If Company From 8002797951 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you believe the company from 8002797951 is a debt collector, there are steps you can take to validate the debt and deal with it effectively. First, request a written validation of the debt through a debt validation letter, which the collector is legally required to provide. Carefully review the validation for any inaccuracies or unrecognized information. If you find any, dispute it in writing and request removal from your credit report.

Once the debt is validated, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan, but remember to have the agreement in writing before making any payment. If it’s affordable, you can offer a partial payment of 30-50% of the balance and request deletion from your credit report in return. If the debt collector violates regulations during collection, assert your rights under the Fair Debt Collection Practices Act (FDCPA). Seeking guidance from a non-profit credit counseling agency or consulting an attorney can be helpful in negotiating debt resolution or exploring other legal options.

Throughout the process, it’s important to keep detailed records of all correspondence and calls for potential complaints. Additionally, consider revoking any prior permission given to the debt collector to contact you outside FDCPA guidelines. Remember not to ignore a potential debt collector and take steps to confirm the validity of the debt. Exercise your consumer rights under federal and state laws before determining the best course of action for resolving the debt. Seeking assistance from professionals can ensure a fair outcome.

Can The Company From 8002797951 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you owe money to the company from 8002797951, it’s possible that they could take legal action and garnish your wages if they obtain a court judgment. To avoid this, it may be wise to settle the debt. However, before agreeing to a settlement, there are some important steps you should take. One option is to negotiate affordable lump-sum or installment payments and get this agreement in writing to demonstrate your commitment to paying off the debt. You can also inform the company that you are unable to pay and request that they stop contacting you, although this does not guarantee they won’t proceed with legal action. To protect yourself, seeking advice from a non-profit credit counselor or hiring a consumer law attorney can be beneficial. They can provide guidance and help defend against unfair lawsuits. It’s also crucial to keep thorough records of all communication regarding the debt. Finally, before making any payments, carefully review the proposed payment plan and ensure all settlement terms are put in writing. Settling for an unaffordable lump sum could potentially worsen your financial situation in the long term. So, it’s advisable to get assistance in understanding your options and rights before agreeing to any settlement.

If 8002797951 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 8002797951 is a collection company, the first step is to validate the debt. Request written confirmation and carefully review the validation for accuracy. If any information is incorrect, send a written dispute to the collection agency stating that the debt is inaccurate. Demand that they remove the collection from your credit file.

If the collector verifies the debt as valid, there are several options you can pursue to potentially have it removed. You can 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.

Hiring a credit repair service to dispute the debt on your behalf and provide legal resources can also help in getting it removed. Alternatively, you can 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 refuses to remove inaccurate information.

Consulting a consumer law attorney can be beneficial as well, as they can review if any laws were broken by the collector that would enable you to sue for removal and damages. Keep detailed records of your efforts to resolve the disputed collection account. By taking these proactive steps and asserting your rights, you can increase your chances of removing collections from your credit report. However, always ensure first if the debt is legitimate before taking any action.