8008619706

What Company Is Calling Me From 8008619706 And Why Are They Calling? Are They A Debt Collector?

The company calling from 800-861-9706 is likely a debt collection agency or a scam caller. This number has been identified as a “scam call” or an unsolicited call from a debt collector by sources like Robokiller, Truecaller, and ShouldIAnswer. Users have reported the caller as being affiliated with ERC (Enhanced Recovery Company).

ERC is a well-known debt collection agency that works on behalf of creditors to collect unpaid debts. However, it is important to be aware that the numerous reports of scam calls associated with this number indicate that the caller may employ aggressive tactics. Therefore, it is advisable to exercise caution when interacting with them.

To further safeguard yourself, it is recommended to verify any alleged debts before providing personal information or making any payments. One solution is to obtain your three bureau credit report from IdentityIQ, which enables you to review your credit history and identify any outstanding debts that require attention. Always remain cautious and verify the legitimacy of calls or payment requests.

Remember, protecting your personal information and finances is crucial, so take appropriate measures when dealing with unknown callers or debt collectors.

How Can I Block Or Stop Calls From 8008619706?

To block or stop calls from 8008619706, follow these steps. First, let unknown calls go to voicemail and do not answer them directly. This allows you to avoid engaging with debt collectors. If you identify the caller as a debt collector, contact your phone carrier to permanently block the number. Alternatively, you can use call blocking apps like Nomorobo or Hiya to automatically filter out the number at the network level. For smartphones, customize your settings to send calls from unknown contacts straight to voicemail or block them entirely.

Another effective measure is to send a cease and desist letter via certified mail, formally requesting no further contact from the collector. Keep detailed records of all calls as evidence of harassment if you plan to take legal action. Additionally, familiarize yourself with state laws that go beyond the FDCPA (Fair Debt Collection Practices Act) and invoke those rights by sending a cease and desist letter.

Moreover, seek assistance in resolving any underlying debt by consulting a non-profit credit counselor. They can help negotiate a resolution. If the collector continues to violate regulations, it may be worth speaking to a consumer protection attorney about your rights and potential lawsuits. Lastly, regularly check your voicemails to stay informed about any messages left by identified collectors. Remember that blocking calls does not eliminate legitimate debts owed, but taking proactive steps can halt harassment while addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8008619706, And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 8008619706. To determine if they are violating the FDCPA, make sure to keep records of the date, time, frequency, phone number, and details of all calls. Pay attention to whether they call outside the allowed hours of 8am – 9pm in your time zone and if they make repeated calls over a short period. If they use abusive language during the calls, be sure to document that as well.

To assert your rights, you can take several steps. Firstly, you can revoke any prior consent given to call outside normal hours by putting it in writing. If your workplace prohibits such calls, formally request that they stop contacting you there. You can send a cease and desist letter through certified mail, demanding no further contact by phone. It is also possible to verbally request that they stop calling during any conversation.

If you need assistance on what to do next, consider reporting any violations to the Consumer Financial Protection Bureau. Provide them with all the documentation you have gathered for their investigation. It may also be helpful to consult with a consumer protection attorney who can advise you on your rights and options. In some cases, you may have the option to sue for damages. If you believe that FDCPA violations have occurred, reach out to your state Attorney General’s office for guidance.

If Company From 8008619706 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company calling from the number 8008619706 is a debt collector, it’s important to verify the debt before taking any further action. You can do this by sending a written request for validation of the debt, which is required by law under the Fair Debt Collection Practices Act (FDCPA). Make sure to carefully review the validation provided, checking all personal details, creditor name, account number, and amount owed. If you notice any inaccurate or unfamiliar information, dispute it in writing and ask for it to be removed from your credit report.

Once the debt has been validated, you have several options for resolving it. You can negotiate a reasonable lump-sum settlement or arrange a payment installment plan, but make sure to get any agreements in writing before making any payments. If the debt is affordable, you may consider offering a partial payment of 30-50% of the balance and requesting that the debt be deleted from your credit report as part of the agreement. You can also exercise your rights under the FDCPA if the debt collector violates any regulations during the collection process. It might be beneficial to seek guidance from a non-profit credit counseling agency to assist you in negotiating a fair resolution. In more extreme cases, consulting an attorney for advice on options like bankruptcy or legal action against the collector may also be necessary. Remember to keep thorough records of all communication and calls as evidence and consider revoking any prior permission given to the collector to contact you outside of F

Can The Company From 8008619706 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8008619706 is a debt collector and they have a legitimate claim, there is a possibility that they could sue you and garnish your wages or bank accounts to recover the amount owed. To avoid legal action, it is important to take proactive steps.

One option is to negotiate with the debt collector for affordable lump-sum or installment payments. Make sure to document this agreement in writing to demonstrate your willingness to pay. You can also inform the debt collector of your inability to pay and request that they stop contacting you, although this may not guarantee that they won’t proceed with a lawsuit. Seeking guidance from a non-profit credit counselor or consulting with a consumer law attorney can help you understand your rights and protections under the FDCPA and state law, which can protect you from unreasonable lawsuits. If your debts are overwhelming, bankruptcy may be an option, but it’s important to consult with an attorney to assess if it’s the right choice for your situation.

Before agreeing to settle, carefully evaluate the proposed payment plan and ensure that it fits within your budget. It’s crucial to have all settlement terms and agreements in writing before making any payments. Keep in mind that even if you settle, the collector can still sue you if you fail to comply with the settlement terms. Settling for a lump sum that you cannot afford may lead to further financial harm in the long run. Seek assistance from professionals who can provide expert advice and help you understand your options and rights before

If 8008619706 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8008619706 is a collection company, start by requesting written confirmation to validate the debt. Thoroughly review the validation to ensure accuracy, both regarding personal details and debt information. If you find any inaccuracies, write a dispute to the collection agency. Reference the Fair Credit Reporting Act and demand the removal of the collection tradeline from your credit file.

In the event that the debt is verified as valid, you have a few options to potentially get it removed. One approach is to negotiate a pay-for-delete agreement in writing. Offer a lump-sum settlement in exchange for the removal of the collection. Alternatively, you can propose a partial settlement payment in good faith and kindly ask for deletion. Nonetheless, note that removal without a formal agreement is not guaranteed. You could also consider hiring a credit repair service. They can dispute the debt on your behalf and provide legal resources for removal.

Another option is to wait for the 7-year credit reporting time limit. After this period, the collection should automatically fall off your report. However, if the collector violates any laws or refuses to remove inaccurate information, you should file a complaint with the Consumer Financial Protection Bureau. It would also be wise to consult with a consumer law attorney to evaluate whether the collector has broken any laws. This may give you grounds to sue for removal and potential damages. While navigating through this process, make sure to keep detailed written records of all your efforts to resolve the disputed collection account.

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