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What Company Is Calling Me From 8008443919 And Why Are They Calling? Are They A Debt Collector?

The phone number 800-844-3919 is associated with a debt collection agency called Accounts Receivable Management Services (ARMS). They are a legitimate company based in Paris, Tennessee. ARMS calls to collect on outstanding debts that have been assigned to them by original creditors. These calls can be frequent and unwanted, often using robocalls or prerecorded messages. It is important to note that these tactics may violate debt collection laws.

If you are receiving calls from ARMS and believe they are abusive or illegal, there are steps you can take. You can ask for validation of the debt and only pay those you can confirm you owe. Additionally, it is recommended to report any violations to the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB). Sending a cease and desist letter to ARMS can help stop the calls, and consulting a consumer rights attorney can provide guidance on your options.

In summary, 800-844-3919 belongs to ARMS, a potentially aggressive debt collector known for using unwanted and frequent calls. It is important to be cautious when providing information over the phone, understand your rights, and consider reporting violations or seeking legal counsel if necessary. Let me know if you need any further clarification or have additional questions!

How Can I Block Or Stop Calls From 8008443919?

If you want to block calls from the number 8008443919, there are a few actions you can take. Firstly, let unknown calls go to voicemail and avoid answering them directly to avoid engaging with potential collectors. Once you identify the caller as a collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number. You can also set contacts not in your address book to go straight to voicemail or be blocked on smartphones.

To formally request no further contact, send a cease and desist letter via certified mail demanding no further calls. Keep detailed records of all calls to demonstrate a pattern of harassment if legal action becomes necessary. It’s recommended to consult a non-profit credit counselor to help negotiate resolution of the debt and consider speaking to a consumer protection attorney if the collector violates regulations. Remember to check voicemails regularly to monitor any messages from identified collectors and not avoid unknown calls altogether. Blocking calls does not eliminate any legitimate debts owed, but it can stop harassment while addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8008443919 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have rights as a consumer when it comes to receiving calls from the number 8008443919. To determine if they are violating the FDCPA, make sure you document the date, time, frequency, phone number, and details of each call. It’s important to note that if they call you outside of the allowed hours of 8am – 9pm in your time zone without your consent, this could be considered a violation. It’s also important to keep track of any repeated calls over a short period or the use of abusive language during the calls.

To assert your rights, you can revoke any prior consent that you may have given to be contacted outside of normal hours. Make sure to do this in writing. If your employer has prohibited you from receiving such calls at your workplace, you can formally request that they stop contacting you there. Sending a cease and desist letter through certified mail is another option to demand that they stop contacting you by phone. Additionally, it’s a good idea to verbally request during any conversation that they no longer call you.

If you believe that there are violations of the FDCPA, it’s important to report them to the Consumer Financial Protection Bureau. Make sure to provide them with any relevant documentation. Consulting with a consumer protection attorney can also help you understand your specific rights and options, including the possibility of suing for damages. For further guidance on FDCPA violations, reach out to your state Attorney General’s office. Finally, speaking with an experienced credit counselor can provide you with valuable advice on how to address the debt while minimizing further collection calls.

Remember, keeping detailed records of all interactions and asserting your rights is crucial in preventing further harassment from debt collectors.

If Company From 8008443919 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company with the phone number 8008443919 is a debt collector, it’s important to take steps to validate the debt and effectively deal with it. Start by sending a written debt validation letter to the collector, requesting formal validation of the debt as required by the FDCPA. Check the validation carefully for accuracy, making sure personal details, creditor name, account number, and amount owed are correct. If you find any incorrect or unrecognized information, dispute it in writing and ask for its removal from your credit report.

Once the debt is validated, you have several options to handle it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payment. If you can afford it, you may also offer a partial payment of 30-50% of the balance and request deletion from your credit report in exchange. If the collector violates regulations during collection, assert your rights under the FDCPA. Consider seeking guidance from a non-profit credit counseling agency to help negotiate debt resolution. If needed, consult an attorney to explore options like bankruptcy or legal action against the collector.

Throughout the process, keep detailed records of all correspondence and calls to potentially file complaints if necessary. You can also revoke any prior verbal or written permission given to the collector to contact you outside of FDCPA guidelines. Remember to never ignore a potential debt collector and make sure to verify the validity of the debt while exercising your consumer rights under federal and state laws. Seek assistance from professionals to help you achieve a fair resolution.

Can The Company From 8008443919 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8008443919 is a debt collector and the debt is legitimate, they have the potential to sue you and garnish your wages to recover the amount owed. It is important to take steps to avoid legal action.

First, negotiate affordable lump-sum or installment payments in writing to show that you are making a good faith effort to pay. You can also assert your inability to pay and request that the debt collector cease contact with you, although this may not prevent a lawsuit from being filed. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can also help you understand your rights and options.

Before agreeing to settle, carefully consider the proposed payment plan and make sure it is realistically affordable based on your budget. Get any settlement terms or agreements in writing before making payments. It is important to be aware that even if you settle, the collector can still sue if you default on the settlement. Settling for a lump sum payment that you cannot afford may end up causing more financial harm in the long run.

In order to protect yourself, it is crucial to thoroughly document all calls, letters, and your efforts to address the debt. This will provide a clear record of your attempts to resolve the situation. Additionally, consider pulling your credit report from IdentityIQ or a similar service to understand the full scope of your debts and financial situation.

In conclusion, while settling often makes sense to avoid legal action, it is important to carefully evaluate your options and seek assistance to understand your rights and obligations. Taking proactive steps to address the debt and communicate with the debt collector can help mitigate the risk of legal action.

If 8008443919 Is A Collection Company, How Can I Get It Removed From My Credit Report?

To remove a collection company, such as 8008443919, from your credit report, you need to follow certain steps. First, validate the debt by requesting written confirmation. Carefully review the validation for accuracy of personal details and debt information. If any information is incorrect, send a written dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act, and demand removal from your credit file.

If the debt is verified as valid, there are several active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing. This involves 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. However, this is not guaranteed without a formal agreement.

Hiring a credit repair service can be another avenue to explore. They can dispute the debt on your behalf and provide legal resources to assist in getting it removed. If you prefer to wait, the collection will automatically fall off your credit report after the 7-year credit reporting time limit. But if the collector violates laws and refuses to remove inaccurate information, it is advisable to file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney for potential legal action.

Throughout this process, it is crucial to maintain detailed written records of all communication and efforts made to resolve the disputed collection account. By taking proactive steps and documenting your efforts, you can increase the likelihood of successfully removing collections from your credit report. However, always make sure to determine the legitimacy of the debt before proceeding with any actions.