800-459-8202

What Company Is Calling Me From 800-459-8202? Are They A Scam And Why Are They Calling Me?

The company calling from 800-459-8202 is ERC Solutions, a debt collection agency. It’s important to be cautious as some users report issues with calls about paid debts or non-existent debts. To protect yourself, identify if it’s a debt collector, block the number, send cease and desist letters, and report any violations. Make sure to validate the debt, negotiate payment plans, and assert your rights under the Fair Debt Collection Practices Act. If the situation escalates, consider seeking legal options and negotiating affordable payment plans to avoid wage or bank account garnishment.

How Can I Block Or Stop Calls From 800-459-8202?

If you’re receiving unwanted calls from 800-459-8202, follow these steps to block or stop the calls:

1. Let the call go to voicemail and identify if it’s from a debt collector.

2. Block the number using your phone carrier’s settings or a call blocking app.

3. Send a cease and desist letter via certified mail, requesting that they no longer call you.

4. Consult a non-profit credit counselor or consumer protection attorney to address the underlying debt.

5. If the debt collector sues, be prepared for potential wage garnishments or bank account levies. Negotiate affordable payments and consider legal options to protect your financial interests.

Always stay vigilant and proactive in dealing with debt collectors, as some may use deceptive practices. By following these steps, you can take control of the situation and safeguard your financial well-being.

Is 800-459-8202 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive calls from 800-459-8202 and suspect it to be a debt collection agency, first identify if they are indeed violating the Fair Debt Collection Practices Act (FDCPA). Document the details of the call, such as the date, time, and any abusive language used by the collector. Ensure the calls are made within the allowed hours, typically between 8 am and 9 pm.

If your rights are being violated, revoke consent for the collector to contact you, request them to cease contact, and send a cease and desist letter. If the violations continue, report the issue to the Consumer Financial Protection Bureau (CFPB) or consult an attorney for legal assistance. You can also contact your state Attorney General’s office for guidance on handling debt collection issues.

Asserting your rights under the FDCPA is crucial to protect yourself from harassment or abuse during debt collection.

If 800-459-8202 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 800-459-8202 and suspect it’s a debt collector, start by requesting written validation of the debt. Examine the details provided and dispute any inaccuracies. Remember, debt collectors must abide by the Fair Debt Collection Practices Act (FDCPA), which safeguards your rights.

If you owe the debt, try negotiating a settlement or payment plan that suits your financial situation. You can also use the FDCPA to assert your rights, which prevent harassment, false statements, and unfair practices by collectors.

For issues like calls about settled debts or non-existent debts, seek help from credit counseling agencies or attorneys. It’s important to maintain thorough records of all communication with the debt collector and report any FDCPA violations.

By being proactive in handling debt collection calls and understanding your rights under the FDCPA, you can protect yourself from potential negative consequences like wage garnishment or bank account levies.

Can 800-459-8202 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-459-8202 is a debt collector, they may sue you and garnish your wages if you owe a legitimate debt. To avoid legal action, negotiate payment terms, assert inability to pay, seek help from a non-profit credit counselor, or consider bankruptcy. If you choose to settle, ensure the payment plan is affordable, get terms in writing, and be aware of potential consequences if you default. Remember your rights under the Fair Debt Collection Practices Act and take necessary actions to protect yourself from harassment or wrongful contact. Prioritize your financial well-being and ensure agreements are reasonable and within your means.

If 800-459-8202 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive calls from 800-459-8202 and believe it is a collection company, start by confirming if the debt is genuine. Request a written confirmation from the agency and examine it for accuracy. If the debt is incorrect, dispute it with the collection agency. If the debt is valid, explore options such as negotiating a pay-for-delete agreement, offering a good faith settlement, hiring a credit repair service, waiting for the debt to expire, filing a complaint, or consulting a consumer law attorney. Throughout the process, maintain detailed records to safeguard your rights.

What Feedback And Comments Do People Leave About 800-459-8202?

What feedback and comments do people leave about 800-459-8202? People often report receiving calls from this number, associating it with ERC Solutions or Enhanced Recovery Company, LLC. Callers have experienced calls without messages left, hang-ups after one ring, or calls sent directly to voicemail. Some users suspect spoofing techniques and may be receiving calls due to outstanding debts. Others report calls about paid debts or non-existent debts, suggesting potentially deceptive practices. To protect yourself, identify if it’s a debt collector, block the number, send cease and desist letters, and report violations. Validate the debt, negotiate payment plans, and assert your rights under the Fair Debt Collection Practices Act. If they sue, your wages or bank accounts could be garnished, so negotiate affordable payments and consider legal options.