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What Company Is Calling Me From 8552243009 And Why Are They Calling? Are They A Debt Collector?

The company calling from 855-224-3009 is believed to be American Coradius International, a debt collection agency. They contact individuals in an attempt to collect on past-due debts on behalf of creditors and debt buyers. However, it is important to note that there have been some concerns raised about their forceful methods. Therefore, if you receive a call from this number, it is recommended to exercise caution.

If you find yourself being contacted by American Coradius International, it is crucial to verify the validity of the debt and request written confirmation if you believe you do not owe it. You should also familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and have the option to request that they cease contacting you. In the event that the debt is indeed legitimate, you may consider negotiating a settlement or arranging a payment plan. Instances of illegal or abusive practices should be reported to the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).

Various sources have specifically associated the number 855-224-3009 with American Coradius International. It is essential to thoroughly verify any debt, be aware of your rights, and respond assertively to any aggressive tactics. If you require further information or clarification, please don’t hesitate to reach out for assistance.

How Can I Block Or Stop Calls From 8552243009?

If you want to block or stop calls from 8552243009, follow these steps. First, let unknown calls go to voicemail and avoid answering any unknown calls directly. This way, you can identify if it is a debt collector as they may leave messages about collecting a debt.

Once you have identified the caller as a debt collector, take action to block further calls. Contact your phone carrier and request them to permanently block the number. There are also call blocking apps available such as Nomorobo or Hiya that automatically filter out the number. If you have a smartphone, you can set contacts not in your address book to go straight to voicemail or be blocked.

To further ensure no more calls, send a cease and desist letter via certified mail to the debt collector. This letter demands that they stop contacting you. It is also important to check if your state has additional laws regarding collection calls without written notice and invoke those rights. Keep records of all calls for potential legal action.

Lastly, seek help in addressing the underlying debt. Consult a non-profit credit counselor who can assist you in negotiating a resolution for the debt. If the debt collector violates any regulations, consider speaking to a consumer protection attorney. Also, remember to check your voicemails for any messages from identified collectors.

Always keep in mind that blocking calls does not eliminate any legitimate debts owed. It is essential to take proactive steps to stop harassment while also addressing any outstanding debts that need attention.

What Are My Rights As A Consumer Regarding Calls From 8552243009 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 8552243009. To ensure you can address potential violations, it is crucial to keep records of the date, time, frequency, phone number, and details of each call. If these calls occur outside of the permitted hours of 8am – 9pm in your time zone, consider this a violation. It is also important to note any instances of repeated calls within a short period or the use of abusive language.

To assert your rights, you can revoke any previous consent given to be contacted outside of normal hours by providing a written notice. If the calls are being made to your workplace, where such calls are prohibited by your employer, formally request that they stop contacting you there. Sending a cease and desist letter through certified mail can also demand that they no longer make contact via phone. Additionally, during any conversation with them, verbally request that they cease calling you.

If you suspect violations of the FDCPA, take the necessary steps to report them to the Consumer Financial Protection Bureau. Make sure to provide documentation to support your claim and initiate an investigation. Seeking advice from a consumer protection attorney is advisable as well, as they can help you understand your specific rights and options, including the possibility of suing for damages. For further guidance on FDCPA violations, reach out to your state Attorney General’s office. It may also be helpful to consult with an experienced credit counselor who can guide you on how to address the debt without facing further collection calls.

By keeping detailed records and asserting your consumer rights, you can take proactive measures to prevent any further harassment from debt collectors.

If Company From 8552243009 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company from 8552243009 is a debt collector, you can validate the debt by requesting written validation. Send a debt validation letter to the collector, as they are required by law to provide this information under the Fair Debt Collection Practices Act (FDCPA). Review the validation carefully for accuracy, checking your personal details, creditor name, account number, and amount owed. If you find any errors or unrecognized information, dispute it in writing and request removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If it is affordable for you, you can offer a partial payment of 30-50% of the balance. In exchange, you can request that the debt collector delete the account from your credit report. If the debt collector violates any regulations during the collection process, you can assert your rights under the FDCPA. Consulting a non-profit credit counseling agency can provide guidance on negotiating debt resolution. In more complex situations, contacting an attorney may be necessary to explore options like bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls to file potential complaints, and remember to revoke any prior permission given to contact you outside the FDCPA guidelines. By following these steps and seeking professional help, you can ensure a fair outcome while protecting your consumer rights.

Can The Company From 8552243009 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8552243009 is a legitimate debt collector, they have the ability to sue you and garnish your wages or bank accounts if they obtain a court judgment. However, there are steps you can take to prevent legal action. Negotiating affordable lump-sum or installment payments in writing shows your commitment to paying. You can also request that they stop contacting you if you genuinely cannot afford to pay, although this may not completely prevent a lawsuit. Seeking help from a non-profit credit counselor or a consumer law attorney can offer further assistance and knowledge of your legal rights.

Before agreeing to settle, carefully assess the proposed payment plan and ensure it is realistically affordable based on your budget. It is crucial to have any settlement terms or agreements in writing before making any payments. Keep in mind that a collector can still sue you if you fail to fulfill the settlement, so it’s essential to select a settlement option that you can realistically maintain without causing more financial strain.

In conclusion, settling may be a viable solution to avoid legal action, but it is important to evaluate your financial situation thoroughly and seek guidance to fully comprehend your options and rights before making any commitments.

If 8552243009 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8552243009 is a collection company, the first thing you should do is validate the debt by requesting written confirmation. Carefully review the validation to ensure that your personal details and debt information are accurate. If you find any inaccuracies, send a written dispute to the collection agency in accordance with the Fair Credit Reporting Act, stating that the debt is incorrect and demanding its removal from your credit file.

If the collector verifies the debt as valid, there are several active steps you can consider to potentially remove it. One option is to negotiate a pay-for-delete agreement with the collection agency. In this agreement, you settle the debt in exchange for its removal from your credit report. Alternatively, you can offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, please note that without a formal agreement, they are not obligated to remove it.

Another option is to hire a credit repair service to dispute the debt on your behalf and provide legal resources for assistance in getting it removed. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collection agency violates laws or refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. It may also be beneficial to consult a consumer law attorney to determine if the collector has broken any laws that could enable you to take legal action for removal and potential damages. Throughout this process, make sure to keep detailed written records of your efforts to resolve the disputed collection account.

By taking proactive steps, such as validating debts, negotiating with collectors, and asserting your rights, you have the potential to remove collections from your credit report through persistence and proper documentation. However, it is crucial to first establish the legitimacy of the debt before proceeding with any actions.