480-376-8947

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What Company Is Calling Me From 480-376-8947? Are They A Scam And Why Are They Calling Me?

Firstly, the number 480-376-8947 belongs to a company called IEPAC, a political organization situated in Arizona. They are known to conduct political surveys and request donations.

However, there are suspicions that this could be a scam or spam call. Many users have reported that the callers inquire about their opinion on Trump’s job performance, which some might consider an unsolicited call.

In order to prevent receiving such calls, you have two options: you can either block the specific number or block the entire 480 area code. This way, you can protect yourself from potential scams or unwanted calls.

How Can I Block Or Stop Calls From 480-376-8947?

To block or stop calls from 480-376-8947, follow these steps:

1. Let unknown calls go to voicemail and see if it’s a debt collector.
2. Block the number through your phone carrier or call blocking apps like Nomorobo or Hiya.
3. Set contacts not in your address book to go straight to voicemail or block them.
4. Send a cease and desist letter via certified mail, demanding no further calls.
5. Check your state laws for any additional regulations beyond the FDCPA.
6. Keep records of all calls as evidence of harassment.
7. Consult a non-profit credit counselor to negotiate debt resolution.
8. Seek help from a consumer protection attorney if the collector violates regulations.

Taking these steps can stop harassment while addressing any outstanding debts.

Is 480-376-8947 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair, abusive, or deceptive debt collection practices. If you are receiving calls from the number 480-376-8947, you should be aware of your rights under the FDCPA and take necessary steps to protect yourself.

Firstly, keep track of all call details, such as date, time, frequency, phone number, and specific information shared during the conversation. This record can help you identify potential FDCPA violations, like calls outside the allowed hours of 8 am to 9 pm in your time zone, excessive calling frequency, or inappropriate language.

To enforce your rights, you can revoke any prior consent given for calls outside regular hours, request that the collector stop calling your workplace if prohibited, and send a cease and desist letter via certified mail demanding no further contact. Additionally, you can verbally ask the collector to stop calling during any conversation.

If you think the calls are violating the FDCPA, you can report the violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. You might also want to seek assistance from a knowledgeable credit counselor on how to handle the debt without facing additional collection calls.

By adhering to the FDCPA and asserting your rights, you can prevent further harassment from debt collectors and protect yourself from potential violations.

If 480-376-8947 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt from 480-376-8947, first determine if the caller is indeed a debt collector. If so, follow these steps:

1. Request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable. Request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if they violate regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring 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 480-376-8947 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 480-376-8947 and believe it to be a debt collector, you should first ensure that the debt is legitimate. If it is, they could potentially sue you to recover the amount owed, and if they obtain a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert your inability to pay and request they cease contact.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider the following:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 480-376-8947 Is A Collection Company, How Can I Remove It From My Credit Report?

First, you should confirm if the debt is legitimate by requesting written confirmation from the collection agency. Carefully review the validation letter to ensure your personal information and the debt details are accurate. If any information is incorrect, send a written dispute to the collection agency, stating that the debt is inaccurate as per the Fair Credit Reporting Act.

If the debt is valid, you can take several active steps to potentially remove it from your credit report:

1. Negotiate a pay-for-delete agreement in writing with the collector, where you settle the debt in exchange for removing it from your report.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, they are not obligated to remove it without a formal agreement.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to help in getting it removed.
4. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.
7. Keep detailed written records of your efforts to resolve the disputed collection account.

It’s crucial to first verify the debt’s legitimacy before taking action. Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 480-376-8947?

When people receive calls from 480-376-8947, they often report that no message is left and that the calls seem unsolicited and suspicious. These calls are frequently identified as spam or scams, with some recipients even suspecting that they are scam activities. The lack of a message, use of different caller IDs, and unsolicited nature of the calls have led people to view these calls as spam. Robocall blocking services have been helpful in managing these unwanted calls. It is important to remember that the organization behind these calls, iepac, is a political organization that makes calls related to political surveys and donation requests. If you receive a call from this number, it is recommended to block the number through your phone carrier or use call blocking apps. If you are unsure if the call is from a debt collector, check your voicemail messages and reference state laws. If you believe you may be dealing with a debt collector, consult a non-profit credit counselor, consumer protection attorney, or state attorney general’s office. It is crucial to validate the debt through a debt validation letter and be aware of the legal consequences, such as wage or bank account garnishment, if the debt collector pursues legal action. If the debt is found to be legitimate, work to remove it from your credit report by negotiating a pay-for-delete agreement or filing a complaint with the Consumer Financial Protection Bureau. Ultimately, all things considered, it is essential to be cautious when receiving calls from unknown numbers like 480-376-8947 and take appropriate action to protect yourself from potential scams and unwanted calls.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE