678-293-9657

What Company Is Calling Me From 678-293-9657? Are They A Scam And Why Are They Calling Me?

The company calling you from 678-293-9657 is Nationwide Credit, Inc, a debt collection agency. They may use different phone numbers to contact debtors and have been reported as unwanted and harassing. To avoid these calls, block the number and use call-blocking services like Nomorobo. Be cautious when sharing personal information over the phone, especially if you’re unsure who’s calling.

Remember, it’s essential to know your rights under the Fair Debt Collection Practices Act (FDCPA) and take necessary steps to protect yourself from harassment and potential scams. Make sure you only provide personal information to trusted sources and verify the legitimacy of any debt owed.

How Can I Block Or Stop Calls From 678-293-9657?

To block or stop calls from 678-293-9657, first determine if the call is from a debt collector. Let unknown calls go to voicemail and do not answer directly. If you recognize the number as a debt collector, contact your phone carrier to permanently block the number. You can also use call-blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

Next, send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice and send a cease and desist letter invoking those rights. Keep detailed records of all 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 help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Do not avoid unknown calls altogether; check voicemails to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 678-293-9657 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 678-293-9657, it is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA). Debt collectors must follow specific guidelines to avoid violating your rights. If you believe that a collector is violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Note if they call outside of the allowed hours (8 am – 9 pm in your time zone), repeatedly call over a short period, or use abusive, threatening, or obscene language.

To assert your rights, revoke any prior consent given to call outside normal hours, request they cease contact at your workplace if prohibited, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation.

If you suspect a debt collector is violating the FDCPA, report the violations to the Consumer Financial Protection Bureau and consider consulting a consumer protection attorney for guidance. Additionally, you can contact your state Attorney General’s office for further assistance. In the meantime, block the number using call-blocking services like Nomorobo and be cautious when providing personal information over the phone.

If 678-293-9657 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 678-293-9657 and suspect it’s a debt collector, it’s crucial to validate the debt and learn your options. Start by requesting written proof of the debt by sending a debt validation letter to the collector. They must provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, thoroughly review it for accuracy. Dispute any incorrect or unknown information in writing and ask for it to be removed from your credit report. If the debt is valid, consider negotiating a settlement or installment plan in writing before making any payment. Offer a partial payment of 30-50% if possible, and request the debt’s removal from your credit report in exchange.

Exercise your rights under the FDCPA if the collector breaks regulations during collection. Consult a non-profit credit counseling agency for guidance on debt resolution. If needed, contact a lawyer to discuss bankruptcy or legal action against the collector. 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.

Always confirm if a debt is valid and use your consumer rights under federal and state law to determine the best course of action. Seek help from professionals to ensure a fair outcome.

Can 678-293-9657 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector from 678-293-9657 is calling, it’s crucial to know your rights and options. If the debt is genuine, they could potentially sue you and garnish your wages if they obtain a court judgment. To prevent legal action, you can negotiate a lump-sum or installment payment, assert your inability to pay and request they stop contacting you, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are unmanageable.

Before settling, ensure the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing before making payments, and be aware a collector can still sue if you default on a settlement. Settling can make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 678-293-9657 Is A Collection Company, How Can I Remove It From My Credit Report?

If 678-293-9657 is a collection company, the first step to remove it from your credit report is to validate if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is 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. Demand they remove the collection tradeline from your credit file.

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 formally 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 678-293-9657?

678-293-9657 is a phone number that has received numerous negative comments and feedback, primarily associated with Nationwide Credit, Inc., a debt collection agency. People have reported experiencing robocalls, repeated calls, and false claims of being affiliated with American Express. Some comments even suggest that no one speaks when the call is answered.

Nationwide Credit, Inc. is a debt collection agency that has been reported for harassment and is not associated with American Express. To protect yourself from such calls, consider using call-blocking services like Nomorobo. It is also important to be cautious when providing personal information over the phone.

If you receive a call from an unknown number, do not answer it. Instead, send a cease and desist letter or request that the debt collector only communicate with you through written correspondence. If the calls persist, consult a non-profit credit counselor or attorney for help addressing the underlying debt.

Understand the Fair Debt Collection Practices Act (FDCPA) protections and rights, and document any potential violations. Request debt validation and negotiate a settlement or payment plan with the debt collector. If necessary, seek legal action or bankruptcy, and maintain detailed records of communication.

Validate the legitimacy of the debt by requesting written confirmation and consider credit repair services. If you continue to receive negative feedback and reports associated with 678-293-9657 and Nationwide Credit, Inc., be aware of the potential issues and take the necessary steps to protect yourself from any further harassment.