470-204-6827

What Company Is Calling Me From 470-204-6827? Are They A Scam And Why Are They Calling Me?

The company calling from 470-204-6827 is a legal firm offering debt settlement programs. However, due to the robocall nature, it is difficult to confirm its legitimacy. Be cautious when receiving such calls and verify the company’s legitimacy before providing any personal information. If you receive an unknown call, identify if it is from a debt collector by letting it go to voicemail, blocking the number, and sending a cease and desist letter. The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair debt collection practices, and you should report any violations to the appropriate authorities. Request debt validation, negotiate a settlement, and seek assistance to understand your options and rights before agreeing to any settlement. Additionally, be aware that 470-204-6827 is associated with employment scams, so verify the legitimacy of unsolicited calls and never share sensitive information without confirming the identity of the contact.

How Can I Block Or Stop Calls From 470-204-6827?

If you’re receiving calls from 470-204-6827, first determine if it’s a debt collector. Let unknown calls go to voicemail and don’t answer directly. If it’s a debt collector, take action to block the number. Contact your phone carrier to permanently block the number, or use call blocking apps. Set contacts not in your address book to go straight to voicemail.

To stop contact, send a cease and desist letter via certified mail and follow any state laws regarding written notice. Keep detailed records of calls as evidence of harassment. Consider getting help with your debt by consulting a non-profit credit counselor or speaking to a consumer protection attorney. Blocking calls won’t eliminate debts, but it can stop harassment while addressing any outstanding debts.

Is 470-204-6827 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 470-204-6827 may be associated with a debt collection agency offering debt settlement programs. However, due to its robocall nature, it is difficult to confirm its legitimacy. It is crucial to be cautious when receiving such calls and verify the company’s legitimacy before providing any personal information. If you suspect a debt collector is violating the Fair Debt Collection Practices Act (FDCPA), document the date, time, frequency, phone number, and details of the calls, and report any violations to the Consumer Financial Protection Bureau. You can also consult with a consumer protection attorney or contact your state Attorney General’s office for guidance. Keep in mind that under the FDCPA, you have rights to protect yourself from unfair debt collection practices.

If 470-204-6827 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you suspect that a call from 470-204-6827 is from a debt collector, it’s crucial to validate the debt and understand your options. First, request written validation of the debt by sending a debt validation letter to the collector. They must provide this information under the Fair Debt Collection Practices Act (FDCPA).

Next, carefully review the validation for accuracy. Ensure your personal details, the creditor’s name, account number, and amount owed are correct. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider the following options:

– Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
– Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
– Formally assert your rights under the FDCPA if the collector violates regulations during collection.
– Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
– Contact 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.
– Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 470-204-6827 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 470-204-6827 is a debt collector, they have the legal right to 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, try negotiating affordable lump-sum or installment payments in writing, asserting your inability to pay, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy if debts are overwhelming.

Before agreeing to settle, ensure the proposed payment plan is affordable, get any settlement terms or agreements in writing, be aware that collectors can still sue if you default on a settlement, and avoid agreeing to payments you can’t maintain. Seek assistance to understand your options and rights before settling to avoid long-term financial harm.

Be cautious when receiving calls from unknown numbers, verify the legitimacy of the company, and report any violations of the FDCPA. Remember to request debt validation, negotiate a settlement, and always prioritize your financial well-being when dealing with debt collectors.

If 470-204-6827 Is A Collection Company, How Can I Remove It From My Credit Report?

If 470-204-6827 is a debt collection company, the first step is to validate the debt by requesting written confirmation from the collector. Review the validation carefully to ensure the debt information and your personal details are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If 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.

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

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 470-204-6827?

People often leave comments about 470-204-6827, claiming it to be a phone number associated with employment scams. Users have reported receiving calls about job opportunities, with the caller introducing themselves as Jeremy from the company’s employment staffing department. However, this number is not known to have any legitimate job-related communications. There are no public comments or feedback specifically about this number. Another similar number, 470-204-0997, has been linked to loan approval scams. To avoid falling victim to such scams, it is crucial to verify the legitimacy of unsolicited calls and never share sensitive information without confirming the identity of the contact. Report suspected scam numbers to protect others.