773-227-6843

What Company Is Calling Me From 773-227-6843? Are They A Scam And Why Are They Calling Me?

When you get a call from 773-227-6843, it is likely from ATG Credit, a debt collection agency based in Illinois. They are not a scam but have faced complaints regarding their behavior. ATG Credit calls to collect a debt you owe to one of their clients.

Under the Fair Debt Collection Practices Act (FDCPA), you have rights when dealing with debt collectors like ATG Credit. If you receive a call from this number, first determine if the unknown number is a debt collector. If it is, consider blocking the number and preventing further calls. You can also send a cease and desist letter and maintain records of the calls.

It is crucial to know your rights under the FDCPA and assert them when dealing with debt collection calls. Document any potential FDCPA violations and seek assistance from a non-profit credit counselor or attorney to help address the debt and understand your rights during the debt collection process.

How Can I Block Or Stop Calls From 773-227-6843?

To block or stop calls from 773-227-6843, follow these steps:

1. Identify if it is a debt collector: Let unknown calls go to voicemail. Debt collectors may leave messages stating they are attempting to collect a debt. Do not answer any unknown calls directly.

2. Once identified as a collector, block further calls: Contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

3. Formally request no further contact: Send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. 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.

4. Get help addressing the underlying debt: Consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 773-227-6843 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 773-227-6843 belongs to ATG Credit, a debt collection agency operating in Illinois. As a consumer, you are protected by the Fair Debt Collection Practices Act (FDCPA), which outlines your rights when it comes to debt collection calls, including those from ATG Credit. To ensure your rights are not being violated, keep track of the dates, times, frequency, phone number, and details of all calls. Make note if they call outside the allowed hours of 8 am to 9 pm in your time zone, call repeatedly within a short period, or use abusive, threatening, or obscene language.

To assert your rights, revoke any prior consent given for calls outside of normal hours, request they cease contacting you at work if prohibited, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation. If you believe the FDCPA has been violated, report the issue to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, contact your state Attorney General’s office, or seek advice from a credit counselor on how to address the debt without further collection calls.

If 773-227-6843 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt from 773-227-6843, which is ATG Credit, you should first request written validation by mailing a debt validation letter. This is legally required under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy and dispute any incorrect or unrecognized information. Request removal from your credit report if necessary.

Once the debt is validated, consider negotiating a settlement or payment plan. Offer a reasonable partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. If ATG Credit violates FDCPA regulations, assert your rights. Consult a non-profit credit counseling agency for guidance on debt resolution. Legal action or bankruptcy might be options if necessary, but keep detailed records of all correspondence and calls for potential complaints.

Remember, 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 773-227-6843 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 773-227-6843, a debt collector associated with ATG Credit, contacts you, ensure the debt is legitimate before taking any action. If it is, they could sue you, leading to wage garnishment. To avoid legal action, negotiate a payment plan, assert your inability to pay, request them to cease contact, seek credit counseling, or consult an attorney.

Before settling, ensure the payment plan is affordable, get any agreements in writing, be aware of the potential for further legal action if you default, and only agree to payments you can maintain. Always seek assistance to understand your rights and options.

If 773-227-6843 Is A Collection Company, How Can I Remove It From My Credit Report?

If 773-227-6843 is a collection company, the first step is to validate if the debt is legitimate by requesting written confirmation from the collection agency. Review the validation carefully to ensure your personal details and 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 and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf can also be an option.

Another way to potentially remove the collection is to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. In case of collector violations, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney can help 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. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 773-227-6843?

People often leave feedback and comments about the phone number 773-227-6843, associating it with debt collection calls. They report receiving repeated calls related to debts they claim they do not owe. Some individuals have requested to be removed from the caller’s list, but the calls have continued. The Federal Trade Commission (FTC) enforces the Telemarketing Sales Rule, but debt collectors are not covered by this regulation. The Fair Debt Collection Practices Act (FDCPA) protects consumers’ rights in debt collection, and individuals may be awarded up to $1,000 per FDCPA violation claim. It is essential to understand the guidelines surrounding phone harassment and debt collection practices, and to seek legal advice if rights have been violated.