704-280-8701

What Company Is Calling Me From 704-280-8701? Are They A Scam And Why Are They Calling Me?

The phone number 704-280-8701 is associated with Medicredit and Healthcare Receivables Group, which are debt collectors. These calls are likely related to medical debt collection. Although some people have reported the calls as spam, they are not a scam or a telemarketer. If you think the calls are unwarranted or you have settled the debt, you may have legal rights under the Fair Debt Collection Practices Act (FDCPA).

To handle this situation, determine if the unknown number is a debt collector, block the number, send a cease and desist letter, and consult a non-profit credit counselor or attorney. Request debt validation, negotiate settlements, and exercise your FDCPA rights. Keep in mind that potential legal action may lead to wage or bank account garnishment, so avoid legal action by negotiating affordable payments.

Verify the debt’s authenticity, review the validation for accuracy, and seek assistance in resolving disputes. Users have reported unfavorable experiences with 704-280-8701, often related to debt collection, and some have even contacted the district attorney’s office to report the issue.

How Can I Block Or Stop Calls From 704-280-8701?

To block or stop calls from 704-280-8701, first determine if the calls are from a debt collector. If so, do not answer unknown calls and let them go to voicemail. 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.

Next, formally request no further contact by sending a cease and desist letter via certified mail. Check if your state has additional laws regarding collection calls 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.

Address the underlying debt by consulting a non-profit credit counselor to help negotiate resolution and speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 704-280-8701 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 704-280-8701 is associated with Medicredit and Healthcare Receivables Group, which are debt collectors. These calls are typically related to medical debt, and while they are likely legitimate, some users report spam calls. If you are receiving unwanted calls or have already settled the debt, you have rights under the Fair Debt Collection Practices Act (FDCPA).

To protect yourself from potential FDCPA violations, document the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8 am – 9 pm in your time zone, if they call repeatedly over a short period, or if they use abusive, threatening, or obscene language.

Assert your rights by revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter, or verbally requesting they stop calling during any conversation.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. Additionally, you can ask an experienced credit counselor how to address the debt without incurring further collection calls. Adhering to the FDCPA is required for any collector contacting you, so keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 704-280-8701 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 704-280-8701 is a debt collector, it is likely associated with Medicredit and Healthcare Receivables Group. Medical debt collectors are generally legitimate, but some users report spam calls. To validate the debt, request written validation from the collector and review the information for accuracy. Dispute any incorrect or unrecognized details in writing and request removal from your credit report.

Once validated, consider negotiating a settlement or payment installment plan in writing. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report. 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 for potential complaints. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines. Always communicate with collectors and exercise your consumer rights under federal and state law to determine the best path to debt resolution. Seek help from professionals to ensure a fair outcome.

Can 704-280-8701 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 704-280-8701, it is likely associated with Medicredit or Healthcare Receivables Group, which are debt collectors. The calls are typically related to medical debt and are considered legitimate. However, some users report spam calls from this number. If you wish to avoid these calls, you can block the number, send a cease and desist letter, and consult a non-profit credit counselor or attorney for guidance.

If the debt is legitimate, the collector 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, negotiate affordable lump-sum or installment payments in writing, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor to work with the collector on your behalf, hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits, or consider bankruptcy if debts are truly overwhelming.

Before agreeing to settle, carefully consider the proposed payment plan’s affordability based on your budget, get any settlement terms or agreements in writing before making payments, be aware a collector can still sue if you default on a settlement, and ensure you don’t agree to payments you realistically can’t maintain. Seeking assistance to understand your options and rights is crucial before making any decisions.

If 704-280-8701 Is A Collection Company, How Can I Remove It From My Credit Report?

If 704-280-8701 is a debt collection company, the first step is to verify if the debt is legitimate by requesting written confirmation from the collector. Review the validation carefully to ensure your personal details and the 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 (FCRA) and 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, or wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.

Alternatively, 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. Keep detailed written records showing your efforts to resolve the disputed collection account.

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 704-280-8701?

People often leave negative feedback and comments about the phone number 704-280-8701, associating it with debt collection activities and harassment. Users report receiving calls even after setting up automatic payments, and some have reported the matter to the District Attorney’s office. Additionally, Robokiller users report receiving spam calls from this number, indicating a negative user reputation.

In a nutshell, 704-280-8701 is associated with Medicredit and Healthcare Receivables Group, debt collectors. Calls are related to medical debt and are likely legitimate, but some users report spam. If calls are unwanted or debts have been settled, the Fair Debt Collection Practices Act (FDCPA) may provide legal protection.

To wrap things up, identify if the unknown number is a debt collector, block the number, send cease and desist letters, and consult a non-profit credit counselor or attorney. Request debt validation, negotiate settlements, and assert FDCPA rights. Potential legal action may lead to wage or bank account garnishment, so avoid legal action by negotiating affordable payments. Validate debt legitimacy, review validation for accuracy, and seek assistance in resolving disputes.

Ultimately, users report negative experiences with 704-280-8701, often related to debt collection, and some users have contacted the district attorney’s office to report the issue.