704-998-2427

What Company Is Calling Me From 704-998-2427? Are They A Scam And Why Are They Calling Me?

The company calling from 704-998-2427 is Allied Interstate, a debt collection agency. There have been reports of this number being a scam, but the Better Business Bureau confirms that Allied Interstate has been in business for 64 years. Debt collectors often call multiple times a day and use different numbers. If they use abusive language or violate the Fair Debt Collection Practices Act, it may be a scam. In this specific case, Allied Interstate is calling because a former employee used the individual’s name as a reference for a loan and has not made any payments. The individual is not responsible for paying the debt and should work to have their number removed from Allied Interstate’s call list.

How Can I Block Or Stop Calls From 704-998-2427?

First, determine if the 704-998-2427 calls are from a debt collector. If so, contact your phone carrier to permanently block the number. You can also use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. If the calls continue, send a cease and desist letter via certified mail demanding no further calls. Consult a non-profit credit counselor to help negotiate resolution of the debt or consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 704-998-2427 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 704-998-2427 is associated with Allied Interstate, a debt collection agency that has faced allegations of potential scam calls. If you receive a call from this number, ensure that the collectors follow the Fair Debt Collection Practices Act (FDCPA). The call may be regarding an unpaid loan where you were a reference for a former employee, but you are not responsible for the debt.

To protect your rights as a consumer, work to have their number removed from Allied Interstate’s call list and document any violations. Consult a non-profit credit counselor or consumer protection attorney to address the debt and collector violations. Request written validation of the debt, dispute any inaccuracies, and negotiate a settlement or payment plan.

Legitimate debt collection may lead to legal action, so avoid long-term financial harm by documenting communication and seeking assistance. Validate the debt’s legitimacy, negotiate a pay-for-delete agreement, and consider filing a complaint with the CFPB. Allied Interstate has received negative feedback, with concerns over abusive collection tactics and out-of-hours calls.

If 704-998-2427 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, to validate the debt associated with 704-998-2427, which is a debt collector for Allied Interstate, you should request written validation of the debt by mailing a debt validation letter to the collector. This is required by the Fair Debt Collection Practices Act (FDCPA).

Once you receive the validation, carefully review it for accuracy. Ensure your personal details, the creditor name, account number, and amount owed are correct. If there are any incorrect or unrecognized details, dispute them in writing and request removal from your credit report.

After validating the debt, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

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 704-998-2427 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 704-998-2427 is a debt collector attempting to recover a legitimate debt, they have the legal right to sue you and potentially garnish your wages or bank accounts if they obtain a court judgment. To avoid such actions, consider these steps: negotiate an affordable payment plan in writing, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if your debts are overwhelming. Keep thorough documentation of all communication and your efforts to address the debt.

Before deciding to settle, ensure the proposed payment plan is within your budget, have any settlement terms or agreements 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. Seek help to understand your options and rights before making a decision.

If 704-998-2427 Is A Collection Company, How Can I Remove It From My Credit Report?

If 704-998-2427 is a collection company, you can remove it from your credit report by first validating the debt is legitimate. Request written confirmation from the collector and review it carefully to ensure 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.

If the collector verifies the debt is valid, consider these active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. 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 704-998-2427?

People often leave feedback and comments about the phone number 704-998-2427, which is associated with Allied Interstate, a debt collection agency. Many individuals report receiving numerous calls per week, often without a message left, and suspect the calls may be scams. Some people have been contacted about debts they don’t think they owe. There are also reports of Allied Interstate using different phone numbers and not informing consumers of their right to dispute the debt. Consumers express concerns about the company’s collection tactics, such as using profanity or abusive language, and contacting individuals outside of regular business hours. Overall, the feedback is primarily negative.