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What Company Is Calling Me From 8557982235 And Why Are They Calling? Are They A Debt Collector?

The phone number 855-798-2235 belongs to TrueAccord Corp, a debt collection agency. They are calling because an original creditor has placed an outstanding debt with them for collection. TrueAccord Corp works to recover past-due debts on behalf of creditors and businesses.

As a debt collector, TrueAccord Corp must comply with consumer protection laws such as the Fair Debt Collection Practices Act, which limits their tactics. If you dispute owing the debt or want validation, you can send them a debt validation letter requesting proof of the debt.

Keep in mind that the debt may be old and past the statute of limitations for legal collection in your state. If the calls become excessive, you have the right to request that TrueAccord Corp stop contacting you.

Please note that this is not legal advice and it is always recommended to consult with a professional for specific legal situations.

How Can I Block Or Stop Calls From 8557982235?

If you’re getting calls from 8557982235 and suspect it’s a debt collector, follow these steps to block or stop the calls. First, let unknown calls go to voicemail and avoid answering them directly. This prevents engaging with potential collectors. Once you confirm the calls are from a debt collector, take further action to block them. Reach out to your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya. On smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

In addition to call blocking, formally request no further contact from the debt collector. Send a cease and desist letter via certified mail, demanding no more calls. Check if your state has additional laws regarding collection calls without written notice. Keeping detailed records of all calls can be helpful if you plan on taking legal action for harassment.

Seek assistance in addressing the underlying debt by consulting a non-profit credit counselor. They can help you negotiate a resolution. If the collector violates regulations, consider speaking to a consumer protection attorney. Remember to regularly check your voicemail for messages from identified collectors and handle any outstanding debts proactively. Blocking calls stops harassment, but it doesn’t eliminate legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 8557982235 And Are They Violating The Fair Debt Collection Practices Act?

You have rights as a consumer when it comes to calls from 8557982235, and it’s possible that they are violating the Fair Debt Collection Practices Act (FDCPA). To gather evidence of these potential violations, make sure to document the date, time, frequency, and details of each call. Pay attention if they contact you outside the allowable hours of 8am – 9pm in your time zone. Keep track of repeated calls within a short period of time or any instances of abusive language.

To assert your rights, take action such as revoking any prior consent you may have given to be contacted outside normal hours. Put this revocation in writing. If your workplace prohibits such calls, request that they refrain from contacting you there. Send a certified mail cease and desist letter insisting on no further contact by phone. During any conversation, be sure to verbally ask them to stop calling.

If you need assistance, report any violations to the Consumer Financial Protection Bureau along with the documentation you’ve gathered. Consider consulting with a consumer protection attorney to learn more about your rights and options, which may include suing for damages. In case you believe FDCPA violations have occurred, reach out to your state Attorney General’s office for guidance. Furthermore, seek advice from a knowledgeable credit counselor to find ways to address the debt without facing additional collection calls.

By following the FDCPA guidelines and taking proactive measures to assert your rights, you can shield yourself from harassment by debt collectors. Keep thorough records of all interactions to ensure that your rights are upheld.

If The Company From 8557982235 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 calling from the number 8557982235 is a debt collector, it’s important to take action to validate the debt and address it properly. Begin by requesting written validation of the debt from the collector, as they are legally obligated to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation to confirm its accuracy, including your personal details, creditor name, account number, and amount owed. If you come across any incorrect or unfamiliar information, dispute it in writing and request its removal from your credit report.

Once the debt has been validated, you have various options for resolving it. You can negotiate a lump-sum settlement or a payment installment plan, but make sure to do so in writing before making any payments. If you can afford it, consider offering a partial payment of 30-50% of the balance and request that it be deleted from your credit report as part of the agreement. If the debt collector violates any regulations during the collection process, assert your rights under the FDCPA. Seek assistance from a non-profit credit counseling agency for guidance on negotiating debt resolution. Additionally, consult with an attorney if necessary to explore options such as bankruptcy or legal action against the collector. It’s crucial to maintain detailed records of all communications for potential complaints and revoke any previous permissions you may have given for the collector to contact you outside the guidelines set by the FDCPA.

Remember, it’s essential not to ignore a potential debt collector. Take steps to validate the debt, understand your rights, and consider seeking professional help to ensure a fair resolution. Obtaining a copy of your credit report from IdentityIQ can also assist you in this process.

Can The Company From 8557982235 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you receive calls from a debt collector at 8557982235 and the debt is legitimate, they may have the ability to sue you and garnish your wages or bank accounts. To prevent this, there are several steps you can take. First, try negotiating a written agreement for affordable lump-sum or installment payments to show your willingness to pay. Additionally, you can assert your inability to pay and request that the collector stop contacting you, which might discourage them from pursuing legal action. Seeking guidance from a non-profit credit counselor or a consumer law attorney can also be helpful in understanding your rights and finding solutions.

If your debts become overwhelming, discussing the possibility of bankruptcy with an attorney can help determine if it is a viable option for you. Throughout this process, keep detailed records of all communication and efforts made to address the debt for future reference.

Before agreeing to a settlement, carefully assess the proposed payment plan to ensure it fits within your budget. It is important to have all settlement terms and agreements in writing before making any payments. However, even if you do settle, the collector still retains the right to sue if you default on the settlement. Be cautious of settling for an amount that you realistically cannot afford, as this could cause further financial harm in the long run.

In summary, settling with the debt collector may be a practical way to avoid legal action, but it is crucial to make informed decisions based on your financial circumstances. Seek assistance and fully understand your options and rights to ensure the best outcome for your situation.

If 8557982235 Is A Collection Company, How Can I Get It Removed From My Credit Report?

To get the collection company, 8557982235, removed from your credit report, the first step is to validate the debt. Request written confirmation and review it carefully for accuracy. If there are any inaccuracies, write a dispute to the collection agency. Be sure to state that the debt is incorrect according to the Fair Credit Reporting Act and demand its removal from your credit file.

If the collection agency verifies the validity of the debt, you have a few options to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing. Settle the debt in exchange for its removal. Another option is to offer a partial settlement payment as a gesture of goodwill and request deletion. However, remember that without a formal agreement, the collection agency is not obligated to remove it.

Consider hiring a credit repair service that can dispute the debt on your behalf and provide legal resources to assist you 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 refuses to remove inaccurate information and violates laws, you can file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney may also be helpful in determining if the collector has broken any laws that would enable you to sue for removal and damages.

Throughout the process, make sure to keep detailed written records of all your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can ultimately achieve the removal of collections from your credit report through persistence and proper documentation. However, remember to first determine if the debt is legitimate before taking any action.