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What Company Is Calling Me From 678-580-6904? Are They A Scam And Why Are They Calling Me?

The company calling from 678-580-6904 is Patient Accounts Bureau, a debt collector that focuses on medical debts. Though the number has been reported as potentially being a scam, there is no concrete evidence to confirm this. The user was contacted for a debt collection attempt, not a sales call. It is important to know if the call is from a debt collector and be aware of the Fair Debt Collection Practices Act (FDCPA) protections.

To maintain control over the situation, block the number, send cease and desist letters, and keep detailed records of calls. Request debt validation and dispute any inaccuracies. Additionally, negotiate a settlement or payment plan, assert rights, and seek legal assistance for violations. Address potential wage garnishment and credit report removal options. Finally, verify the debt collector’s identity and exercise caution when receiving calls.



If 678-580-6904 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, ascertain if the caller is indeed a debt collector. Once confirmed, understand your rights under the Fair Debt Collection Practices Act (FDCPA). To validate the debt, send a debt validation letter by mail, requesting written proof of the debt. Examine the validation carefully, checking for accuracy in personal details, creditor name, account number, and amount owed. Dispute any inaccuracies in writing and request their removal from your credit report.

When validated, negotiate a settlement or payment installment plan, keeping in mind that debt collectors are more likely to accept partial payment of 30-50% of the balance if it’s affordable. You may request deletion from your credit report in exchange. If the debt collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency for guidance on debt resolution. Additionally, you can contact an attorney to explore options such as bankruptcy or legal action against the collector.

Never ignore a potential debt collector, but always confirm if the debt is valid and exercise your consumer rights under federal and state law to determine the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 678-580-6904 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 678-580-6904 is attempting to collect a legitimate debt, they could potentially sue you to recover the amount owed. 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 demonstrate your good faith effort to pay.
2. Assert your inability to pay and request the collector to cease contact. This may prevent them from suing, but they could still proceed.
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. Consult with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt to have 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 that 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 678-580-6904 Is A Collection Company, How Can I Remove It From My Credit Report?

First, ensure the debt is legitimate by requesting written confirmation from the collection agency. If any information is incorrect, dispute the debt in writing. If the debt is valid, consider negotiating a pay-for-delete agreement to settle the debt and have the collection tradeline removed. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and seeking legal assistance can also help. Waiting for the debt to fall off your report after seven years is another option. If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau. Keep detailed records of your efforts to resolve the disputed collection account. 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 678-580-6904?

People have left various feedback and comments about the phone number 678-580-6904, stating that it is a spam call and a debt collector. Robokiller users have reported this number as a medical debt collector, and the last call was on June 22, 2023. In total, there have been 4,027 calls. This phone number is attempting to collect a debt and may use any information provided for that purpose. To protect oneself, it is essential to be cautious when receiving calls from this number and verify the identity of the caller before providing any personal information.

To address the situation, individuals should first identify if the call is from a debt collector, such as Patient Accounts Bureau, and familiarize themselves with the Fair Debt Collection Practices Act (FDCPA) protections. Next, consider blocking the number, sending a cease and desist letter, and maintaining detailed records of calls. Requesting debt validation and disputing any inaccuracies is another crucial step.

Individuals can also negotiate a settlement or payment plan while asserting their rights. In cases of debt collector violations, seeking legal assistance is advisable. Additionally, addressing potential wage garnishment and credit report removal options may help in resolving the situation.

Lastly, always verify the debt collector’s identity and exercise caution when receiving calls from unknown numbers, such as 678-580-6904.

You must check your credit report

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