770-213-0012

What Company Is Calling Me From 770-213-0012? Are They A Scam And Why Are They Calling Me?

The phone number 770-213-0012 is most likely a scam call, as it has received negative reviews from six users. There is no clear information about the company or entity calling from this number. It is advised not to engage with the caller, provide any personal information, or call the number back. Block the number and report it as spam or a scam to the appropriate authorities. To avoid falling victim to scams, be cautious, verify the identity of the caller, and report any suspicious calls to law enforcement and the FTC. Ultimately, the best course of action is to stay vigilant and prioritize your own safety and well-being.

How Can I Block Or Stop Calls From 770-213-0012?

To stop calls from 770-213-0012, first identify if it’s a debt collector. Let unknown calls go to voicemail and check for messages. If it’s a debt collector, contact your phone carrier to block the number, use call blocking apps, and set contacts not in your address book to go straight to voicemail or be blocked. Send a cease and desist letter via certified mail demanding no further calls. Check your state laws for any additional protections beyond the FDCPA. Keep records of all calls to show a pattern of harassment if needed. Consult a non-profit credit counselor to negotiate debt resolution and consider speaking to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations. Monitor voicemail messages from the identified collector, but don’t avoid unknown calls altogether. Blocking calls doesn’t eliminate any debts owed, but taking proactive steps can stop harassment while addressing outstanding debts.

Is 770-213-0012 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from the number 770-213-0012 and believe it’s violating the Fair Debt Collection Practices Act (FDCPA), remember that you have rights as a consumer. Document all details of the call, such as the date, time, frequency, and any abusive language used. If they call outside of the allowed hours of 8 am – 9 pm in your time zone, keep track of this as well.

To protect yourself, revoke any prior consent for calls outside normal hours, request they cease contact at your workplace if prohibited, and send a cease and desist letter via certified mail. You can also verbally request they stop calling during any conversation. If you think the calls are violating the FDCPA, report the violations with documentation to the Consumer Financial Protection Bureau and consult with a consumer protection attorney for guidance.

Additionally, contact your state Attorney General’s office for assistance if you believe FDCPA violations have occurred. Lastly, seek advice from an experienced credit counselor on how to address the debt without incurring further collection calls. By asserting your rights and keeping detailed records, you can prevent harassment from debt collectors who may be violating the FDCPA.

If 770-213-0012 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 770-213-0012 is a debt collector, the first step is to validate the debt they are claiming. To do this, you must request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, carefully review it for accuracy. Check your personal details, the creditor name, account number, and amount owed. If there are any discrepancies or unrecognized information, dispute it in writing and request removal from your credit report.

After validating the debt, consider your options. You can negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if the collector violates regulations during collection.

Consult a non-profit credit counseling agency for guidance negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints.

In conclusion, 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 770-213-0012 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 770-213-0012 is a debt collector, they have the legal right to sue you for the outstanding debt and potentially garnish your wages if they obtain a court judgment. To avoid such consequences, you can negotiate a reasonable payment plan, assert your inability to pay, seek advice from a credit counselor, or hire an attorney. If debts become overwhelming, consider bankruptcy, but always consult with an attorney first.

Before deciding to settle, ensure the payment plan is manageable and get any settlement terms in writing. Remember that a collector can still sue if you fail to meet the settlement terms. Settling may be a practical option to avoid legal action, but never agree to payments you can’t maintain. Seek guidance to understand your options and rights before making any decisions.

If 770-213-0012 Is A Collection Company, How Can I Remove It From My Credit Report?

If 770-213-0012 is a debt collection company, the first step is to verify if the debt is legitimate by requesting written confirmation from the collector. Carefully review the validation letter to ensure your personal details and 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 and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider the following actions 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 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 770-213-0012?

770-213-0012 is a phone number that has received predominantly negative feedback from users, who report it as a scam or unsolicited call. The number is connected to ETC Communications, L.L.C. in Atlanta, DeKalb, Georgia. Users have reported receiving scam calls and unsolicited calls, which is why it’s essential to install a security application to block such calls. To protect yourself, do not engage with the caller, provide personal information, or call back. Instead, block the number, report it as spam or a scam, and stay cautious to avoid falling victim to scams.

It’s also crucial to identify unknown calls as potential debt collectors and block and filter them using your phone carrier and apps. In some cases, you may need to send cease and desist letters and follow state laws to prevent further contact. Consulting credit counselors and attorneys can help address underlying debt issues, and monitoring voicemails and keeping records can be useful for potential legal action.