800-264-5654

What Company Is Calling Me From 800-264-5654? Are They A Scam And Why Are They Calling Me?

First, the company calling from 800-264-5654 is North American Credit Services, a debt collection agency that specializes in unpaid medical bills. They have been reported for making unsolicited calls and targeting the wrong people. While some users claim it’s a scam, there is no concrete evidence to support this. To ensure your safety, do not provide personal information and verify the caller’s identity before engaging in any conversation. If you’re receiving unwanted calls, identify if it’s a debt collector, block the number, send a cease and desist letter, and understand your rights under the Fair Debt Collection Practices Act (FDCPA). Request written validation of the debt, negotiate a settlement, and consider legal action if the collector violates regulations. Additionally, validate the debt’s legitimacy, dispute inaccuracies, and explore credit repair options if needed.

How Can I Block Or Stop Calls From 800-264-5654?

To block or stop calls from 800-264-5654, first identify if it is a debt collector. Let unknown calls go to voicemail and do not answer any unknown calls directly. Once you identify the call as from a collector, block further calls by contacting your phone carrier or using call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Formally request no further contact by sending 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.

Get help addressing the underlying debt by consulting 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. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 800-264-5654 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a law that safeguards consumers from aggressive and abusive debt collection practices. If you’re being called by the number 800-264-5654, remember that you have rights to make sure they’re not violating the FDCPA. Document the date, time, frequency, phone number, and details of each call. Keep track of any calls made outside the allowed hours of 8 am to 9 pm in your time zone. Note if they frequently call within a short period and if any abusive, threatening, or obscene language is used during the calls.

To protect your rights, withdraw any prior consent given to call outside the allowed hours. Request them to stop calling at your workplace if your employer doesn’t allow it. Send a cease and desist letter through certified mail, demanding no further contact by phone. You can also verbally ask them to stop calling during any conversation.

If you think the FDCPA has been violated, report the situation to the Consumer Financial Protection Bureau to initiate an investigation. Seek advice from a consumer protection attorney regarding your specific rights and options, which might include suing for damages. Contact your state Attorney General’s office for guidance on your next steps. You can also consult an experienced credit counselor to help you address the debt without facing more collection calls.

Ensure collectors follow the FDCPA when contacting you. Maintain detailed records and exercise your rights to prevent further harassment from debt collectors.

If 800-264-5654 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 800-264-5654 and suspect it’s a debt collector, follow these steps to validate the debt and explore your options:

1. 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).

2. Thoroughly review the validation for accuracy. Ensure your personal information, creditor name, account number, and amount owed are correct. Dispute any inaccurate or unrecognized information in writing and request its removal from your credit report.

3. Once the debt is validated, consider negotiating a reasonable lump-sum settlement or payment installment plan in writing. Offer partial payment of 30-50% of the balance if possible, and request the deletion from your credit report in exchange.

4. If the collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency or attorney to explore options like bankruptcy or legal action against the collector.

5. Maintain 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. Verify if the debt is valid and exercise your consumer rights under federal and state law to determine the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 800-264-5654 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-264-5654 is a debt collector, they have the authority to sue you for the unpaid debt and potentially garnish your wages if they obtain a court judgment. To avoid legal action, you can try negotiating a payment plan, asserting your inability to pay, or seeking help from a credit counselor or attorney. To prevent further issues, ensure any settlement terms are in writing and only agree to payment plans that are affordable for you. Keep in mind that some users have reported North American Credit Services as a scam, so always verify the caller’s identity and follow safety measures to protect yourself from potential scams or violations of your rights under the FDCPA.

If 800-264-5654 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-264-5654 is a collection company, follow these steps to potentially remove it from your credit report:

1. First, validate if the debt is legitimate by requesting written confirmation from the collection agency.
2. 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.
3. If the collector verifies the debt is valid, consider these active steps to potentially remove it:
a. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
b. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
c. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
d. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
e. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
f. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
4. 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 800-264-5654?

People have left various feedback and comments about the phone number 800-264-5654, mainly expressing dissatisfaction. They report receiving numerous calls, raising scam suspicions, and unclear identification. The callers claim to be from North American Credit Services Division and Medical Services, on behalf of Advent Health Daytona Beach and Strayer physical therapy. Users describe automated responses, pre-recorded messages, and music during these calls, with some mentioning specific individuals to call back. These aspects have led some to suspect scams and report the number as a nuisance.

To ensure legitimacy and avoid scams, it is crucial to verify the caller’s identity before engaging in conversation. To manage unwanted calls, determine if it’s a debt collector, block the number, send a cease and desist letter, and understand your rights under the FDCPA. If the call is related to debt collection, request written validation, negotiate a settlement, and consider legal action if regulations are violated. Furthermore, validate the debt’s legitimacy, dispute inaccuracies, and explore credit repair options if needed.