781-694-9000

What Company Is Calling Me From 781-694-9000? Are They A Scam And Why Are They Calling Me?

The company calling from 781-694-9000 is Credit Control Services (CCS), a debt collection agency. Be cautious, as this number has been reported for scam calls. They may be contacting you for unpaid debt, either purchased from a bank or collected on behalf of the bank. To ensure the caller is legitimate, ask for verification of the debt and their identity. Under the Fair Credit and Reporting Act (FCRA), you have the right to request the debt collector to stop contacting you, and they are required by law to comply. If you believe the contact is based on false information, file a complaint. Ignoring the issue may lead to further legal action.

How Can I Block Or Stop Calls From 781-694-9000?

If you’re receiving calls from an unknown number that might be a debt collector, follow these steps: First, let the calls go to voicemail and check for messages stating they are attempting to collect a debt. Once you’ve identified the caller as a debt collector, block their number by contacting your phone carrier, using call blocking apps like Nomorobo or Hiya, or setting contacts not in your address book to go straight to voicemail.

Next, send a cease and desist letter via certified mail, demanding no further calls from the collector. Seek help from a non-profit credit counselor to negotiate the resolution of the debt, or consult a consumer protection attorney to discuss your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls doesn’t eliminate any legitimate debts you owe, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 781-694-9000 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 781-694-9000 is associated with Credit Control Services (CCS), a debt collection agency. Under the Fair Debt Collection Practices Act (FDCPA), you have certain rights as a consumer when dealing with debt collectors, including those from CCS.

If you receive a call from this number, verify the legitimacy of the caller and the debt they claim you owe. Keep records of the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours (8am – 9pm in your time zone), repeatedly call over a short period, or use abusive, threatening, or obscene language.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace if prohibited by your employer, and send a cease and desist letter via certified mail demanding no further contact by phone. You can also verbally request they stop calling during any conversation.

If you believe the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. 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. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 781-694-9000 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 781-694-9000 and it is a debt collector, it is crucial to validate the debt and explore your options. To do this, follow these steps:

1. Request written validation of the debt by sending a debt validation letter to the collector. They are required to provide this under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy, ensuring your personal details, creditor name, account number, and amount owed are correct.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once you have confirmed the debt, consider these options:

– Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
– Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
– Assert your rights under the FDCPA if the collector violates regulations during collection.
– Consult a non-profit credit counseling agency for guidance on debt resolution.
– 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.
– 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 781-694-9000 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 781-694-9000 is a debt collector, they have the legal right to sue you to recover the debt. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider negotiating affordable lump-sum or installment payments in writing, asserting your inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy. Before agreeing to settle, ensure the payment plan is affordable, get any settlement terms in writing, be aware of the potential for legal action if you default on a settlement, and avoid agreeing to payments you can’t maintain. Always document your efforts and communications with the collector.

If 781-694-9000 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive a call from 781-694-9000 and suspect it’s from a debt collection company, it’s essential to verify the legitimacy of the debt first. Request written confirmation, review it carefully, and dispute any inaccuracies under the Fair Credit Reporting Act (FCRA). If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment, or hiring a credit repair service to dispute the debt on your behalf.

Alternatively, wait for the debt to fall off your credit report after 7 years or file a complaint with the Consumer Financial Protection Bureau if the collector breaks laws. Consulting a consumer law attorney may also be helpful if the collector violates laws, allowing you to sue for removal and damages. Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation. Remember, focus on determining the debt’s legitimacy before taking action.

What Feedback And Comments Do People Leave About 781-694-9000?

People have left various feedback and comments about the phone number 781-694-9000, which is associated with Credit Control Services (CCS), a debt collection agency. Some experiences include calls at inconvenient times, being asked to hold for an agent, and suspicion of spam calls. While some experiences may be negative, the number is linked to a legitimate debt collection agency. If unsure about the calls received, reaching out to CCS is advised, and unwanted or harassing calls can be reported.

In some cases, people have reported receiving calls from scammers pretending to be CCS representatives. To avoid falling victim to scams, it is crucial to verify the legitimacy of the caller and the debt they claim you owe. Under the Fair Credit Reporting Act (FCRA), you have the right to request the collector to cease contact and they must comply.

If you suspect false information, file a complaint with the appropriate authorities to protect yourself from potential legal action. Additionally, identify if the unknown call is from a debt collector and block the number to prevent further unwanted calls.

In case of debt collection, send a cease and desist letter and keep records of calls for potential legal action. Seek help from non-profit credit counselors or consumer protection attorneys to address the debt and explore options such as bankruptcy or legal action. Request written validation of the debt via a debt validation letter, review for accuracy, and negotiate a settlement or payment plan with the collector.

Maintaining detailed records of communication and consulting credit counseling agencies or attorneys for guidance will ensure you are well-prepared to handle any debt-related issues that may arise.