800-777-0282

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What Company Is Calling Me From 800-777-0282? Are They A Scam And Why Are They Calling Me?

First, identify the company calling you from 800-777-0282 as United Collection Bureau. While some users report it as a scam, others confirm it as a legitimate debt collection call. To verify the legitimacy of the call, request written verification of the debt and be cautious when providing personal information over the phone. If you feel harassed or unwanted calls persist, block the number and send a cease and desist letter to stop the calls. Consult a credit counselor or attorney to protect your rights and negotiate debt resolution. Validate the debt, dispute inaccuracies, and consider settlement or legal options. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and consider credit repair or attorney assistance. Keep detailed records of calls, correspondence, and efforts to resolve the debt.

How Can I Block Or Stop Calls From 800-777-0282?

Firstly, it is crucial to identify the unknown caller. To do this, allow the call to go to voicemail and do not answer directly. If the caller leaves a message stating they are attempting to collect a debt, you can then take further action.

Secondly, block the number. Contact your phone carrier to have the number permanently blocked, or use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. On smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Thirdly, send a cease and desist letter. Demand no further calls from the collector and invoke any state laws that prohibit collection calls without written notice.

Fourthly, consult a non-profit credit counselor. They can help negotiate a resolution of the debt and provide guidance on your rights.

Fifthly, seek legal assistance. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Sixthly, monitor your voicemail messages. Avoiding unknown calls altogether could prevent you from receiving important information.

In conclusion, blocking calls from 800-777-0282 does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 800-777-0282 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 800-777-0282 is associated with United Collection Bureau, a debt collection agency. Under the Fair Debt Collection Practices Act (FDCPA), you have rights as a consumer when it comes to dealing with debt collectors like United Collection Bureau. It’s crucial to verify the legitimacy of the call by requesting written verification and exercising caution. If the call is found to be in violation of the FDCPA, you can take several steps to protect your rights and address the situation.

First, document the date, time, frequency, phone number, and details of all calls from the number. Note if they call outside allowed hours of 8am – 9pm in your time zone, if they repeatedly call over a short period, and if they use abusive, threatening, or obscene language. Next, revoke any prior consent given to call outside normal hours, request them to 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 them to stop calling during any conversation.

In case of FDCPA violations, report them 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. Finally, 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 like United Collection Bureau.

If 800-777-0282 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 800-777-0282 is a debt collector, it’s crucial to validate the debt and explore your options. Start by requesting written validation of the debt through a debt validation letter. This is required under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy and dispute any incorrect information in writing.

Once the debt is validated, consider options like negotiating a settlement or payment plan, offering partial payment in exchange for debt removal, or asserting your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency or attorney for further guidance, and keep detailed records of all correspondence and calls.

Never ignore a potential debt collector. Confirm if the debt is valid, exercise your consumer rights under federal and state law, and seek help from professionals to ensure a fair outcome.

Can 800-777-0282 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 800-777-0282, it is likely from a debt collection agency known as United Collection Bureau. Before taking any action, verify the call’s legitimacy by requesting written verification and exercising caution. If the call is indeed from a debt collector, consider the following steps to avoid legal action:

1. Negotiate affordable lump-sum or installment payments in writing to demonstrate good faith efforts to pay.
2. Assert inability to pay and request they cease contact, which may prevent them from suing, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider the following:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 800-777-0282 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-777-0282 is a collection company, the first step is to validate if the debt is legitimate by requesting written confirmation. 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. Demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, hire a credit repair service to formally dispute the debt on your behalf, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consult a consumer law attorney to 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 800-777-0282?

People have left various comments and feedback about the phone number 800-777-0282, mainly associating it with a debt collector called United Collection Bureau. Users report receiving automated voice messages and prerecorded calls. Some have also marked the number as spam. However, specific quotes or detailed comments about the nature of the calls or users’ experiences are not provided.

Ultimately, it is crucial to verify the legitimacy of the call by requesting written verification and exercising caution. To stop the calls, consider blocking the number and sending a cease and desist letter. Consulting a credit counselor or attorney can help protect your rights and negotiate debt resolution.

It is essential to validate the debt, dispute inaccuracies, and consider settlement or legal options if necessary. Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and consider credit repair or attorney assistance. Keep detailed records of calls, correspondence, and efforts to resolve the debt for future reference.

In a nutshell, the phone number 800-777-0282 is associated with United Collection Bureau and users report receiving automated calls. However, specific feedback and comments are not provided, making it difficult to assess the exact nature of the calls or users’ experiences.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE