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What Company Is Calling Me From 8002881179 And Why Are They Calling? Are They A Debt Collector?

The number 800-288-1179 belongs to a debt collection agency called Associated Receivable Consultant, a division of Contract Callers Inc. located in Augusta, Georgia. They are calling you because you have an outstanding debt that has been placed with them for collection by the original creditor. Associated Receivable Consultant is a debt collector and is required to comply with consumer protection laws, such as the Fair Debt Collection Practices Act. If you do not recognize the debt or dispute owing it, you have the right to request written validation and proof of the debt from them. Simply let them know that you refuse to pay or make arrangements over the phone and ask that they only contact you by mail. If the calls become excessive or harassing, you can send them a cease and desist letter, which legally requires them to stop contacting you. However, please be aware that this information is based on online sources and may not be entirely up to date. It is always recommended to exercise caution and consult with legal professionals for specific advice regarding your situation.

How Can I Block Or Stop Calls From 8002881179?

If you’re getting calls from the number 8002881179 and want to stop them, there are a few things you can do. First, figure out if the calls are from a debt collector by letting unknown calls go to voicemail and not answering them directly. Once you confirm it’s a collector, contact your phone carrier to permanently block the number or use call-blocking apps like Nomorobo or Hiya. For smartphones, you can set contacts not in your address book to go straight to voicemail or be blocked.

To formally request that they stop contacting you, send a cease and desist letter through certified mail demanding no more calls. You can also check if your state has additional laws apart from the Fair Debt Collection Practices Act (FDCPA) that prevent collection calls without written notice, and include those rights in your letter. Make sure to keep detailed records of all calls as evidence of harassment if you decide to take legal action.

It’s important to address the underlying debt as well. Seek help from a non-profit credit counselor to negotiate a resolution, and reach out to a consumer protection attorney if the collector violates any regulations. Remember to regularly check your voicemails for messages from the identified collector, as blocking calls doesn’t make legitimate debts disappear. By taking these proactive steps, you can put an end to harassment while also addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8002881179 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 the number 8002881179. To ensure your rights are protected, it’s important to document any potential violations, including the date, time, frequency, phone number, and details of all calls. Violations may occur if they call you outside the permitted hours of 8am – 9pm in your time zone without your consent or if they repeatedly call you over a short period using abusive or threatening language.

To assert your rights, there are several actions you can take. You can revoke any previous consent given to be contacted outside normal hours by providing a written request. If your workplace prohibits such calls, you can formally request that they cease contact there as well. Another option is to send a cease and desist letter via certified mail, explicitly demanding no further contact by phone. During any conversation, it’s also recommended to verbally request that they stop calling.

If you believe the debt collector is violating the FDCPA, seek assistance to determine next steps. You can report any violations, along with your documentation, to the Consumer Financial Protection Bureau for investigation. Consulting with a consumer protection attorney can provide guidance on your specific rights and options, including the possibility of suing for damages. Contacting your state Attorney General’s office can also offer further guidance if you suspect FDCPA violations. Lastly, an experienced credit counselor can help address the debt and prevent future collection calls.

By understanding and asserting your rights under the FDCPA, you can safeguard yourself from continued harassment by debt collectors.

If Company From 8002881179 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from the number 8002881179 is a debt collector, you can validate the debt by sending a debt validation letter. Request written validation, including your personal details, creditor name, account number, and amount owed. Check for any incorrect information and dispute it in writing. Ask for its removal from your credit report if necessary.

Once the debt is validated, you have options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan. Offer a partial payment of 30-50% of the balance and request deletion from your credit report. If the collector violates regulations, assert your rights under the FDCPA. Seek guidance from a non-profit credit counseling agency or consult an attorney for further assistance, such as exploring bankruptcy or legal action.

Throughout this process, keep records of all correspondence and calls. Revoke any previous permission given to contact you outside FDCPA guidelines. Remember not to ignore a potential debt collector. Validate the debt and exercise your consumer rights before deciding on the best course of action. Seeking professional help can ensure a fair resolution for your debt.

Can The Company From 8002881179 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8002881179 is a debt collector, they have the potential to sue you and garnish your wages if they obtain a court judgment. To avoid legal action, it is recommended to explore alternatives. Negotiating affordable lump-sum or installment payments in writing shows a good faith effort to pay. If paying is not feasible, communicate your inability and request that they stop contacting you. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can also help safeguard your rights. Bankruptcy may be an option if your debts are overwhelming.

Before agreeing to settle, carefully evaluate whether the proposed payment plan fits within your budget. Make sure to obtain written settlement terms or agreements before making any payments. Remember, a collector can still sue if you fail to meet the terms of a settlement. Settling for a lump sum that you cannot afford can have long-term financial consequences. It is crucial to thoroughly document all communication and efforts made to address the debt for a clear record of your actions. Seek assistance and understanding of your options and rights before making any decisions.

If 8002881179 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8002881179 is a collection company, the first step is to request written confirmation of the debt to ensure its accuracy. If there are any inaccuracies, you should send a written dispute to the collection agency, stating that the debt is incorrect under the Fair Credit Reporting Act and demanding its removal from your credit file.

If the debt is verified as valid, you have a few options to potentially remove it from your credit report. One option is to negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for its removal. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although this is not guaranteed without a formal agreement.

You can also consider hiring a credit repair service to dispute the debt on your behalf and provide legal resources to help get it removed. Alternatively, you can wait for the 7-year credit reporting time limit, after which the collection should automatically fall off your report. In cases where the collector refuses to remove inaccurate information despite violating laws, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to explore the possibility of a lawsuit.

Throughout the process, it is essential to maintain detailed written records of your attempts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you increase your chances of successfully removing collections from your credit report. However, always prioritize confirming the legitimacy of the debt before taking any further action.

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