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What Company Is Calling Me From 615-255-9255? Are They A Scam And Why Are They Calling Me?

The company calling from 615-255-9255 is Payment America Systems, a debt collection agency. They focus on collecting debts for healthcare, education, government, and utilities sectors. If you’re concerned about the legitimacy of the call or feel they are violating the Fair Debt Collection Practices Act (FDCPA), you have options. You can send a cease and desist letter, file a complaint with the Better Business Bureau, or consult an attorney. If the debt is valid and within the statute of limitations, it’s best to address it to avoid additional collection attempts and potential harm to your credit score.

How Can I Block Or Stop Calls From 615-255-9255?

To block or stop calls from 615-255-9255, first identify if it’s a debt collector. Let unknown calls go to voicemail and don’t answer directly. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

If calls continue, send a cease and desist letter via certified mail demanding no further calls. Check your state’s laws for additional regulations beyond the FDCPA. Keep detailed records of calls to demonstrate a pattern of harassment if considering legal action.

Get help addressing the underlying debt by consulting a non-profit credit counselor to negotiate debt resolution or speak to a consumer protection attorney regarding rights and potential lawsuits if the collector violates regulations. Blocking calls doesn’t eliminate debts, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 615-255-9255 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 615-255-9255 is connected to Payment America Systems, a debt collection agency dealing with healthcare, education, government, and utilities debts. If you think this number is breaching the Fair Debt Collection Practices Act (FDCPA), document the date, time, frequency, phone number, and details of all calls. Note if they call outside the permitted hours of 8 am to 9 pm in your time zone or repeatedly call over a short period. Keep track of any abusive, threatening, or obscene language used during the calls.

To protect your rights, revoke any prior consent given to call outside normal hours, request them to stop contacting you at your workplace if prohibited, send a cease and desist letter, and verbally request they stop calling during any conversation. Report any violations with documentation to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Engaging a skilled credit counselor can help resolve the debt without further collection calls. Adhering to the FDCPA is crucial for collectors contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 615-255-9255 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 615-255-9255 is a debt collector, you must first validate the debt to ensure its authenticity. 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).

Once the debt is 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 and request deletion from your credit report.
3. Assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance on 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 615-255-9255 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a debt collector could potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, you can:

1. Negotiate affordable lump-sum or installment payments in writing.
2. Assert your inability to pay and request they cease contact.
3. Seek guidance from a non-profit credit counselor.
4. Hire a consumer law attorney.
5. Consider bankruptcy if debts are overwhelming.

Before agreeing to settle, make sure:

1. The payment plan is realistically affordable based on your budget.
2. You have any settlement terms or agreements in writing.
3. You’re aware that a collector can still sue if you default on a settlement.
4. Settling for a lump sum you can’t afford may do more long-term financial harm.

Seek assistance to understand your options and rights before making any decisions.

If 615-255-9255 Is A Collection Company, How Can I Remove It From My Credit Report?

If 615-255-9255 is a collection company, start by verifying the debt’s legitimacy by requesting written confirmation. Carefully review the validation to ensure your personal details and debt information 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.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, hire a credit repair service to dispute the debt on your behalf, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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

What Feedback And Comments Do People Leave About 615-255-9255?

People often leave feedback about the phone number 615-255-9255, stating that they receive calls from Payment America Systems, a debt collection agency in Nashville, Tennessee. These calls are usually automated and about debts that they do not recognize or owe. To address this issue, some individuals suggest sending a cease and desist letter or filing a complaint with the Better Business Bureau. It’s important to verify if the unknown call is from a debt collector and understand your rights under the Fair Debt Collection Practices Act (FDCPA). If the call violates the FDCPA, you can take action accordingly. To block the number, contact your phone carrier or use call blocking apps. Seeking help from credit counselors or attorneys to address underlying debt issues is also recommended. Understanding your rights under the FDCPA and asserting them is crucial in resolving this situation. Requesting written validation of the debt and negotiating a settlement can be helpful. Maintaining detailed records of your efforts to resolve the disputed collection account is essential. If necessary, consider filing complaints with the Consumer Financial Protection Bureau or consulting an attorney for legal action.

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