800-860-0644

What Company Is Calling Me From 800-860-0644? Are They A Scam And Why Are They Calling Me?

The phone number 800-860-0644 is linked to Asset Acceptance, a debt collector who may be attempting to collect a debt from you. This number might be a robocaller associated with Johnson Johnson talcum powder debts and Portfolio Recovery Associates. Reports suggest that this number is spam. If you receive annoying calls, you might be eligible for a settlement under the Fair Debt Collection Practices Act (FDCPA). Debt collectors are not allowed to call excessively, and doing so could be considered harassment. To stop these calls, use call blocking apps or manually block numbers.

To identify if 800-860-0644 is a debt collector, let unknown calls go to voicemail and check the messages. Block the number through your phone carrier or call blocking apps. Send a cease and desist letter and keep detailed records of calls. Consult a non-profit credit counselor or consumer protection attorney to address the debt. Request written validation of the debt via a debt validation letter, review the validation for accuracy, and dispute any incorrect information. Negotiate a settlement or payment plan before sending any payment. Utilize FDCPA rights, credit counseling agencies, or legal action as needed. Maintain detailed records and revoke permission for non-compliant contact. Assess the affordability of settlement terms and get agreements in writing before making payments.

How Can I Block Or Stop Calls From 800-860-0644?

If you receive unwanted calls from 800-860-0644, first determine if it’s a debt collector by letting unknown calls go to voicemail and checking messages. If it’s a debt collector, block the number by contacting your phone carrier or using call blocking apps like Nomorobo or Hiya. Also, set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, send a cease and desist letter via certified mail, demanding no further calls. Check if your state has laws beyond the FDCPA that require written notice before collection calls, and 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.

Lastly, address the underlying debt by consulting a non-profit credit counselor to negotiate a resolution or speak to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations. Blocking calls won’t eliminate any legitimate debts, but taking action can stop harassment while addressing any outstanding debts.

Is 800-860-0644 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from 800-860-0644 and suspect they may be violating the Fair Debt Collection Practices Act (FDCPA), you can take several steps to protect your rights as a consumer. First, identify if the number is a debt collector by letting unknown calls go to voicemail and checking messages. Next, block the number through your phone carrier or call blocking apps.

To assert your rights, send a cease and desist letter via certified mail demanding no further contact. Keep detailed records of all calls, including the date, time, frequency, phone number, and details. Note if they call outside of the allowed hours of 8am – 9pm in your time zone, repeatedly call over a short period, or use abusive language.

Consider seeking assistance from a non-profit credit counselor or consumer protection attorney to address the debt and explore your options. You can also request written validation of the debt through a debt validation letter and review the information for accuracy. Dispute any incorrect information and negotiate a settlement or payment plan before making any payment.

Maintain detailed records and revoke permission for non-compliant contact. If the debt collector continues to violate the FDCPA, report the violations with documentation to the Consumer Financial Protection Bureau to open an investigation. You can also contact your state Attorney General’s office for guidance or consult with an experienced credit counselor on how to address the debt without incurring further collection calls.

If 800-860-0644 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 800-860-0644 is a debt collector, the first step is to validate the debt by sending a debt validation letter. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once the debt is validated, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring 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 800-860-0644 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is calling and threatening to sue you or garnish your wages, it’s essential to understand your rights and options. In some cases, a collector could sue and potentially garnish your wages if they obtain a court judgment. To avoid legal action, consider the following steps:

1. Negotiate a payment plan that is affordable for you, and make sure to get the agreement in writing.
2. Assert your inability to pay and request the collector to stop contacting you.
3. Seek guidance from a non-profit credit counselor to help you work with the collector.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law.
5. Consider bankruptcy if your debts are overwhelming, but consult with an attorney first.

Before agreeing to settle the debt, ensure the payment plan is realistic and affordable based on your budget. Get any settlement terms or agreements in writing before making payments, and be aware that a collector can still sue if you default on a settlement. It’s crucial to seek assistance to understand your options and rights before agreeing to any settlement.

If 800-860-0644 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-860-0644 is a collection company, you can remove it from your credit report by first validating the debt is legitimate. Request written confirmation from the collection agency and review the validation carefully for accuracy. If there are any discrepancies, send a written dispute stating the debt is inaccurate according to the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment with deletion, or hiring a credit repair service to dispute the debt on your behalf. You can also wait for the 7-year credit reporting time limit to pass, file a complaint with the Consumer Financial Protection Bureau, or consult a consumer law attorney for legal assistance.

Keep detailed written records of your efforts to resolve the disputed collection account and proactively validate debts, negotiate with collectors, and assert your rights to potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 800-860-0644?

People often leave negative feedback and comments about the phone number 800-860-0644, which is associated with Asset Acceptance, a debt collection company. They complain about improper collection practices, such as calling at inconvenient times, using automated messages, and not providing clear information about the debts. Some individuals report that the company continues to call even after requesting the calls to stop, and there are allegations of harassment and abuse in their collection efforts. The feedback is mostly negative, and if you receive a call from this number, it’s essential to verify the debt and ensure it’s owed before providing any personal information. To address any issues with this debt collector, consider filing a complaint with the Federal Trade Commission or consulting a consumer protection attorney if you believe the company is engaging in harassing or abusive behavior.