678-776-6174

What Company Is Calling Me From 678-776-6174? Are They A Scam And Why Are They Calling Me?

The company calling from 678-776-6174 is most likely NEXTEL COMMUNICATIONS, INC. The call is categorized as a telemarketer, scam call, and unsolicited call, with a negative rating from 22 users. The call is likely to originate from MARIETTA, COBB, Georgia, with the zip code 30062. It is crucial to be cautious and avoid sharing personal information with this number, as it is likely to be a scam or an unsolicited call. To prevent unwanted calls, consider installing a free security application on your mobile phone.

In essence, it is important to be vigilant and not engage with unknown callers, especially those with negative ratings. By using a security app, you can protect yourself from potential scams and unwanted calls.

How Can I Block Or Stop Calls From 678-776-6174?

To stop calls from the number 678-776-6174, first identify if it is a debt collector or a scam. Contact your phone carrier to request a permanent block on the number. Alternatively, use call blocking apps like Nomorobo or Hiya, which automatically block and filter unwanted numbers. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

If the caller is a debt collector, send a cease and desist letter via certified mail, demanding no further calls. Check your state’s laws for any additional regulations and send a letter invoking those rights. Keep detailed records of all calls to show a pattern of harassment if considering legal action.

To handle any underlying debt, consult a non-profit credit counselor to negotiate a resolution. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 678-776-6174 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. If you receive a call from 678-776-6174, document the details, such as the date, time, frequency, and any abusive language used. If the collector is calling outside of allowed hours or using abusive language, they may be violating the FDCPA.

To protect your rights, you can revoke consent for calls outside of normal hours, request they stop calling your workplace, send a cease and desist letter, or verbally request they stop calling during a conversation. If you suspect a violation, report it to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Always be cautious of unsolicited calls and avoid sharing personal information. To prevent unwanted calls, consider installing a free security application on your mobile phone.

If 678-776-6174 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 678-776-6174 is a debt collector, it’s crucial to validate the debt and understand your options. To start, mail a debt validation letter to the collector, who is legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, and dispute any incorrect or unrecognized information in writing, requesting removal from your credit report.

Once validated, consider negotiating a reasonable settlement or payment installment plan in writing. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. Assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on debt resolution or contact an attorney to explore bankruptcy or legal action against the collector.

Keep detailed records of all correspondence and calls, and revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. The key is to never ignore 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 678-776-6174 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is calling about a legitimate debt, they can potentially sue you and garnish your wages if a court judgment is obtained. To avoid legal action, you can negotiate payment plans, assert your inability to pay, seek help from a credit counselor, hire an attorney, or consider bankruptcy.

Before deciding to settle, ensure the payment plan is affordable based on your budget, get any settlement terms in writing, be aware that a collector can still sue if you default on a settlement, and don’t agree to payments you can’t maintain. Seeking guidance to understand your options and rights is essential before making any decisions.

If 678-776-6174 Is A Collection Company, How Can I Remove It From My Credit Report?

If 678-776-6174 is a debt collection company, you can take several steps to remove it from your credit report. First, validate the debt by requesting written confirmation and reviewing it carefully for accuracy. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal, or offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Alternatively, hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.

You can also wait for the 7-year credit reporting time limit for the collection to automatically fall off your report or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. 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. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 678-776-6174?

When people leave feedback about the phone number 678-776-6174, they commonly report it as a source of telemarketing and potentially fraudulent calls, such as those from the IRS. The number is registered to Nextel Communications in Marietta, Georgia. Users have given this number a poor rating and suggest utilizing a free security app to block undesired calls. To ensure your safety, it’s crucial to exercise caution and refrain from disclosing personal information to this number, as it is likely to be a scam or unwanted call.