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What Company Is Calling Me From 8333012857 And Why Are They Calling? Are They A Debt Collector?

The phone number 833-301-2857 belongs to SIMM Associates, a debt collection agency. They are reaching out to individuals in order to collect outstanding debts on behalf of creditors. It has been reported by multiple individuals that calls from this number can be aggressive and intimidating, often involving threats of legal action if payment is not made. It is crucial to verify the debt claimed by SIMM Associates before providing any payment or personal information, as it may be false or beyond the statute of limitations.

If you find yourself receiving a call from this number, it is strongly advised not to disclose any details or make any payments until you have confirmed the legitimacy of the debt. This can be done by requesting written validation. Additionally, if the calls become threatening or harassing, it is important to report them to various organizations such as the FTC, CFPB, BBB, and your state attorney general.

To help manage your debt effectively, one solution is to obtain your 3 bureau credit report through IdentityIQ. This will provide you with a comprehensive overview of your credit history, aiding in the understanding and management of your debts.

How Can I Block Or Stop Calls From 8333012857?

If you suspect that calls from the number 8333012857 are from a debt collector, there are steps you can take to block or stop these calls. Let unknown calls go to voicemail and avoid answering them directly. Debt collectors may leave messages indicating their intention to collect a debt. Once you have identified the caller as a debt collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya to automatically filter out these calls.

You can also set contacts not in your address book to go straight to voicemail or be blocked on smartphones. To request no further contact, send a cease and desist letter via certified mail, demanding that the collector stops calling. Keeping detailed records of all received calls, especially if they demonstrate a pattern of harassment, is important. Seek help from a non-profit credit counselor to negotiate resolution of the debt or consult with a consumer protection attorney if the collector violates regulations.

Remember, blocking calls does not eliminate any legitimate debts owed, but it can help in stopping harassment while addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8333012857, 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 8333012857. To determine if they are violating the FDCPA, keep a record of the date, time, frequency, and details of all calls from this number. If they call you outside of the allowed hours of 8am to 9pm in your time zone without your consent, it could be considered a violation. Additionally, repeated calls exceeding 2-3 times per week or the use of abusive language may also be violations.

To assert your rights, you can revoke any prior consent you may have given to be contacted outside of normal hours by providing a written notice. You also have the right to request that they refrain from contacting you at your workplace if it is prohibited by your employer. Sending a cease and desist letter via certified mail can further demand that they stop contacting you by phone. During any conversation with them, make sure to verbally ask them to stop calling you.

If you believe there are violations of the FDCPA, it is important to report them to the Consumer Financial Protection Bureau along with any documentation you have gathered. 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, you can reach out to your state Attorney General’s office. Additionally, speaking with an experienced credit counselor can assist you in addressing the debt without facing further collection calls.

By following the guidelines set forth by the FDCPA and standing up for your rights, you can protect yourself from harassment by debt collectors. Remember to keep detailed records of all communication and take appropriate actions to prevent further violations.

If Company From 8333012857 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company calling from 8333012857 is a debt collector, you have the right to validate the debt by requesting written validation through a debt validation letter. They must provide this information under the Fair Debt Collection Practices Act (FDCPA). Check the validation carefully, making sure all personal details, creditor name, account number, and amount owed are correct. If there are any mistakes or unfamiliar information, dispute it in writing and ask for removal from your credit report.

Once the debt has been validated, you have a few options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If you’re able to, you may offer partial payment of 30-50% of the balance and ask for deletion from your credit report in return. If the debt collector violates any regulations during the collection process, you can assert your rights under the FDCPA. Non-profit credit counseling agencies can provide guidance on negotiating debt resolution. It may also be helpful to consult with an attorney to explore options such as bankruptcy or legal action against the collector. Keep detailed records of all communication and calls in case you need to file a complaint, and consider revoking any prior consent to contact you outside of FDCPA guidelines.

Remember, never ignore a potential debt collector. Validate the debt and exercise your consumer rights under federal and state laws before deciding on the best approach to resolving the situation. Seeking assistance from professionals can ensure a fair outcome. As part of this process, obtaining a three-bureau credit report through IdentityIQ can give you a comprehensive overview of your credit history and help manage your debts effectively.

Can The Company From 8333012857 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8333012857 is a debt collector and the debt is legitimate, they have the potential to sue you and garnish your wages if they obtain a court judgment. To avoid legal action, it is advisable to negotiate with the debt collector for affordable lump-sum or installment payments in writing and seek guidance from a non-profit credit counselor. Additionally, hiring a consumer law attorney can help you understand your protections under the law.

Before agreeing to settle, carefully consider the proposed payment plan and ensure it is realistically affordable based on your budget. Always get any settlement terms or agreements in writing before making payments. It is important to note that a collector can still sue if you default on a settlement. Therefore, it is crucial to seek assistance to understand your options and rights before making any decisions. Pulling your 3 bureau credit report through IdentityIQ can provide valuable information about your debts and overall financial situation.

If 8333012857 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 8333012857 is a collection company, the first step is to validate the debt by requesting written confirmation and carefully reviewing it for accuracy. 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 its removal.

If the debt is verified as valid, you can consider negotiating a pay-for-delete agreement in writing. This means 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 goodwill gesture, although this is not guaranteed without a formal agreement. If you prefer, you can also hire a credit repair service to handle the dispute on your behalf and provide legal resources.

If none of these options work, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. Additionally, filing a complaint with the Consumer Financial Protection Bureau can be helpful if the collector violates any laws and refuses to remove inaccurate information. Consulting a consumer law attorney is also beneficial as they can determine if the collector has broken any laws that could enable you to sue for removal and damages.

Throughout this process, make sure to keep detailed written records of your efforts to resolve the disputed collection account. Being proactive and asserting your rights can aid in removing collections from your credit report. However, it is crucial to first determine if the debt is legitimate before proceeding with any further action.