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What Company Is Calling Me From 6785804712 And Why Are They Calling? Are They A Debt Collector?

If you have recently received a call from the number 6785804712, chances are it is from Patient Accounts Bureau. This company is a medical debt collection agency based in Conyers, Georgia. Their main focus is on collecting unpaid medical bills or outstanding debts related to medical services.

It’s worth noting, however, that Patient Accounts Bureau has been known to employ questionable tactics when it comes to their collection efforts. This can include making threats of legal action or even pretending to be law enforcement. If you receive a call from them regarding a debt that you don’t recognize, it’s important to request verification of the debt before making any payments.

If you find these calls unwanted and unsolicited, it is advisable to report them to both the Federal Trade Commission (FTC) and the Federal Communications Commission (FCC). These organizations have the power to take action against unwanted calls and harassment.

To gain a better understanding of your financial situation and any potential debts, it may be helpful to obtain your three-bureau credit report. IdentityIQ is a reputable service that offers comprehensive credit reports. By obtaining this report, you can easily identify any outstanding debts and address them accordingly. Always remember to prioritize your financial well-being and seek assistance whenever necessary.

How Can I Block Or Stop Calls From 6785804712?

If you’re receiving calls from the number 6785804712 and want to stop them, here’s what you can do. First, let unknown calls go to voicemail and avoid answering them directly. Debt collectors might leave messages stating they’re trying to collect a debt.

To permanently block further calls from this number, contact your phone carrier and ask them to block it. Most major carriers provide call blocking services through customer support or online accounts. You can also use call blocking apps like Nomorobo or Hiya to automatically filter and block the number at the network level. For smartphones, you can set contacts not in your address book to go straight to voicemail or be blocked.

Besides blocking calls, it’s crucial to formally request no further contact from debt collectors. Send a cease and desist letter via certified mail, demanding that they stop calling you. Keep detailed records of all calls received to show a pattern of harassment if legal action is needed.

While dealing with unwanted calls, it may also be helpful to consult a non-profit credit counselor who can assist in negotiating a resolution for any outstanding debts. If the collector violates regulations or continues to harass you, consider talking to a consumer protection attorney to understand your rights and potential legal action.

Remember that blocking calls doesn’t eliminate any legitimate debts you may owe. Taking proactive steps can help stop harassment while allowing you to address outstanding debts in a more manageable way.

What Are My Rights As A Consumer Regarding Calls From 6785804712 And Are They Violating The Fair Debt Collection Practices Act?

If you receive calls from the number 6785804712, it is important to know your rights as a consumer under the Fair Debt Collection Practices Act (FDCPA). To determine if they are violating the FDCPA, you should document potential violations by recording the date, time, frequency, phone number, and details of all calls. Make note if they call outside the allowed hours of 8am – 9pm in your time zone and track if they repeatedly call over a short period. Additionally, keep a log of any abusive, threatening, or obscene language used on these calls.

To assert your rights, there are several steps you can take. In writing, you can revoke any prior consent given to call outside normal hours and formally request that they cease contact at your workplace if it is prohibited by your employer. Sending a cease and desist letter via certified mail can also demand no further contact by phone. Furthermore, during any conversation, you can verbally request that they stop calling.

If you need assistance with the next steps, it is advisable to report any violations, providing documentation, to the Consumer Financial Protection Bureau. They can open an investigation into the matter. Consulting with a consumer protection attorney who specializes in your specific rights and options is also recommended. This may include suing for damages. Moreover, you can reach out to your state Attorney General’s office for guidance if you believe there have been FDCPA violations. Seeking advice from an experienced credit counselor can also help

If Company From 6785804712 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company from the phone number 6785804712 is a debt collector, it’s crucial to take steps to validate the debt and explore your options for dealing with it. To validate the debt, you should send a debt validation letter to the collector, requesting written validation of the debt. The collector is legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Take the time to carefully review the validation they provide, checking for accuracy in your personal details, creditor name, account number, and amount owed. If you find any incorrect or unrecognized information, dispute it in writing and ask for removal from your credit report.

Once the debt has been verified, you have several avenues to pursue in order to handle it. You can negotiate a fair lump-sum settlement or a payment installment plan with the collector, but make sure you have the agreement in writing before making any payments. Another option is to offer a partial payment of 30-50% of the balance if it’s an affordable amount for you. In exchange for this payment, you can also request that the debt collector delete the debt from your credit report. If the debt collector violates any regulations during the collection process, it’s within your rights to assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can provide valuable insight into negotiating the resolution of your debt. Additionally, consulting an attorney can help you understand if bankruptcy or legal action against the debt

Can The Company From 6785804712 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 6785804712 is a debt collector, they have the potential to sue you or garnish your wages in order to collect the amount owed. To avoid legal action, it’s important to take certain steps.

Firstly, you can try negotiating affordable lump-sum or installment payments and put them in writing as a way to show your good faith effort in paying off the debt. By doing so, you may be able to prevent a lawsuit. Additionally, you can inform the debt collector of your inability to pay and request that they stop contacting you, although this doesn’t guarantee that they won’t proceed with legal action.

It can be beneficial to seek guidance from a non-profit credit counselor who can work with the collector on your behalf. You may also want to consider hiring a consumer law attorney who can inform you about your protections under the Fair Debt Collection Practices Act (FDCPA) and state laws that protect against unfair lawsuits. If your debts are overwhelming, bankruptcy might be an option worth considering, but it’s important to consult with an attorney to determine if it’s suitable for your specific situation.

Before agreeing to settle, carefully evaluate any proposed payment plan to ensure that it is realistically affordable within your budget. It’s crucial to have any settlement terms or agreements in writing before making any payments. Keep in mind that even if you settle, a collector can still sue you if you fail to meet the terms of the settlement. Settling for a lump sum that you cannot realistically afford could lead to long-term financial harm. It’s advisable to seek assistance and fully understand your options and rights before making any decisions.

If 6785804712 Is A Collection Company, How Can I Get It Removed From My Credit Report?

To get 6785804712 removed from your credit report if it is indeed a collection company, the first step is to validate the debt’s legitimacy. You should request written confirmation from the collector and carefully review the validation for accuracy. If you find any incorrect information, you can send a written dispute to the collection agency under the Fair Credit Reporting Act. In your dispute, state that the debt is inaccurate and demand its removal from your credit file.

In case the collector verifies the debt as valid, you have several active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing. This means settling the debt with a lump-sum payment and requesting removal in exchange. Alternatively, you can offer a good faith partial settlement payment and ask for deletion as a gesture of goodwill. However, it’s important to note that removal without a formal agreement is not guaranteed. Another option is to hire a credit repair service that can dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Waiting for the 7-year credit reporting time limit for the collection to automatically fall off your credit report is also an option. However, if the collector violates laws and refuses to remove inaccurate information, you can take action by filing a complaint with the Consumer Financial Protection Bureau. You may also want to consult a consumer law attorney who can review if the collector broke any laws. This could potentially enable you to sue for removal and damages. Remember to keep

You must check your credit report

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