800-875-5161

What Company Is Calling Me From 800-875-5161? Are They A Scam And Why Are They Calling Me?

The company calling from 800-875-5161 is ERC, a debt collector. However, it has been reported as a scam and a robocall by multiple users. Ensure the debt collector provides their name, the company they represent, and the amount owed during their initial communication. If unsure, request this information in writing. Avoid providing personal information and report any suspicious calls to the Federal Trade Commission or your state Attorney General’s office.

It is vital to protect yourself from potential scams and unwanted calls. Let unknown callers go to voicemail, block the number, and send a cease and desist letter. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) to understand your rights and document any potential violations.

In the end, request written validation of the debt, review its accuracy, and negotiate a settlement or payment plan if necessary. Be prepared for potential legal consequences if the debt is legitimate. To repair your credit, validate the debt’s legitimacy, dispute inaccuracies, and negotiate pay-for-delete or partial settlement options.

To bring it all together, always be cautious of unsolicited calls, know your rights, and take action to protect yourself from potential scams and unwanted calls.

How Can I Block Or Stop Calls From 800-875-5161?

To block or stop calls from the number 800-875-5161, first identify if it is indeed a debt collector by letting unknown calls go to voicemail. If a message states they are attempting to collect a debt, it is likely a debt collector. Next, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Once you have identified the number as a debt collector, send a cease and desist letter via certified mail demanding no further calls. You can also check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice 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.

Although blocking calls does not eliminate any legitimate debts owed, taking proactive steps can stop harassment while addressing any outstanding debts. Remember, you have rights under the FDCPA, and consulting a non-profit credit counselor or a consumer protection attorney can help you negotiate resolution of the debt and ensure your rights are protected.

Is 800-875-5161 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 800-875-5161, it is essential to document the details of these calls, such as the date, time, frequency, and any abusive language used by the collector. The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from abusive, deceptive, and unfair debt collection practices. You have the right to revoke consent for collectors to call outside of normal hours, request that they cease contact at your workplace, and demand they stop calling altogether through a cease and desist letter.

If you believe the calls are in violation of the FDCPA, you can report the collector to the Consumer Financial Protection Bureau (CFPB) and consult with a consumer protection attorney to discuss your options, including suing for damages. Additionally, you can contact your state Attorney General’s office for guidance and seek assistance from a credit counselor on how to address the debt without further collection calls.

By adhering to the FDCPA and asserting your rights, you can prevent further harassment from debt collectors and protect your consumer rights.

If 800-875-5161 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, let’s identify if 800-875-5161 is a debt collector by letting unknown calls go to voicemail and blocking the number. Next, send a cease and desist letter to stop unwanted calls. Remember to assert your legal rights under the Fair Debt Collection Practices Act (FDCPA) and document any potential violations.

Request written validation of the debt by sending a debt validation letter to the collector. They are legally required to provide this under the FDCPA. Carefully review the validation for accuracy, verifying your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider negotiating 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. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or 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. 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 800-875-5161 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, the collector could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can negotiate affordable lump-sum or installment payments in writing, assert inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy as an option if debts are truly overwhelming.

Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget. Get any settlement terms or agreements in writing before making payments. Be aware a collector can still sue if you default on a settlement. Settling for a lump sum that you can’t afford may do more long-term financial harm. Seek assistance to understand your options and rights first.

If 800-875-5161 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 800-875-5161 is a legitimate debt collection company by requesting written confirmation from them. If there are any inaccuracies, send a written dispute to the collection agency, citing the Fair Credit Reporting Act. If the debt is valid, attempt to negotiate a pay-for-delete agreement in writing, offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill.

Consider hiring a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed. Additionally, wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

Maintain detailed written records showing your efforts to resolve the disputed collection account, and be persistent in your actions to potentially remove collections from your credit report through proper documentation and asserting your rights.

What Feedback And Comments Do People Leave About 800-875-5161?

People have left a variety of feedback and comments about the phone number 800-875-5161, with many expressing concerns about potential scams and unwanted calls. Users report receiving calls without any messages left, causing them to suspect that it is a scammer or an unwanted caller. The caller is often identified as “ERC,” a debt collector. The calls are typically associated with debt collectors or scam suspicions. Due to the unwanted nature of these calls, many users have chosen to block the number. The majority of these calls take place in the United States during the afternoon. The feedback regarding this number is generally negative, with users labeling it as a scam or an unwanted debt collector call.