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What Company Is Calling Me From 8663767829 And Why Are They Calling? Are They A Debt Collector?

The company calling you from the number 866-376-7829 is Automated Collection Services, Inc. (ACSI). They are a legitimate debt collection agency based in Goodlettsville, Tennessee. ACSI contacts consumers to collect past due debts on behalf of various creditors, banks, healthcare providers, government agencies, and businesses. If they are calling you, it means they are trying to collect a debt you allegedly owe to one of their clients.

ACSI has been in operation since 1988 and is accredited by the BBB. However, there have been some complaints about their aggressive tactics. It’s important to note that no major FDCPA violations have been reported. If you believe the debt is incorrect, expired, or you are facing illegal harassment, you have rights under the FDCPA. To protect your rights, it may be helpful to consult a consumer rights lawyer for assistance.

In cases where the debt is valid but you are unable to pay it in full, you may have the option to negotiate a settlement or payment plan with ACSI. It’s crucial to ensure that any agreements reached are obtained in writing for your records. Remember to verify the debt, understand your rights, and seek appropriate resolution based on your circumstances.

Note: Please remember to verify all information provided as it may change over time and can vary depending on specific situations and locations.

How Can I Block Or Stop Calls From 8663767829?

If you want to block or stop calls from 8663767829, here’s what you can do:

First, if you receive an unknown call, let it go to voicemail and avoid answering it directly. This will help you identify if it is a debt collector. Debt collectors often leave messages mentioning that they are trying to collect a debt.

Once you’ve identified the call as a collector, you can take steps to block further calls. Contact your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya, which automatically filter out and block the number at the network level. If you have a smartphone, you can also set contacts not in your address book to automatically go to voicemail or be blocked.

To further ensure no further contact, it’s advisable to send a cease and desist letter via certified mail. This letter demands that the collector stops calling you. Additionally, check if your state has laws that go beyond the Fair Debt Collection Practices Act (FDCPA), and if so, send a cease and desist letter invoking those rights. It’s important to keep detailed records of all calls to demonstrate a pattern of harassment if you are considering legal action.

Lastly, it may be helpful to consult a non-profit credit counselor to address any underlying debt and negotiate a resolution. If the collector violates regulations, speaking to a consumer protection attorney about your rights and potential lawsuits may be beneficial. Remember to regularly check your voicemails for any messages from an identified collector.

By following these steps, you can effectively block or stop calls from 8663767829 while also addressing any outstanding debts and stopping harassment. Keep in mind that blocking calls does not erase any legitimate debts that you may owe.

What Are My Rights As A Consumer Regarding Calls From 8663767829 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have certain rights as a consumer regarding calls from the number 8663767829. If you believe they are violating the FDCPA, there are steps you can take to address the issue and protect yourself.

First, it’s important to document any potential violations. Keep a record of the date, time, frequency, and details of the calls. Note if they call outside the allowed hours of 8am – 9pm in your time zone or if they repeatedly call you over a short period of time.

Next, you should assert your rights. You can revoke any consent you may have given for them to call outside normal hours by putting it in writing. Additionally, if your employer prohibits personal calls at work, you can request that they cease contact at your workplace. It’s also recommended to send a certified mail cease and desist letter to demand no further contact by phone. Finally, during any conversation with them, verbally request that they stop calling you.

If you continue to experience violations, it’s advisable to seek assistance. You can report any violations to the Consumer Financial Protection Bureau (CFPB) and provide them with the documentation you have collected. They can open an investigation into the matter. Consulting with a consumer protection attorney can also provide guidance and potentially lead to legal action. Furthermore, contacting your state Attorney General’s office can provide further guidance in dealing with the situation. Finally, seeking advice from an experienced credit counselor can help you address the debt without further collection calls.

Remember to keep detailed records of all interactions and assert your rights as a consumer to prevent harassment from debt collectors.

If Company From 8663767829 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from the phone number 8663767829 is a debt collector, you can validate the debt by requesting a written validation through a debt validation letter. Mail this letter to the collector and they must provide the information you requested under the Fair Debt Collection Practices Act (FDCPA). Upon receiving the validation, carefully review it to ensure accuracy, including personal details, creditor name, account number, and amount owed. If you find any errors or unrecognized information, dispute it in writing and ask for its removal from your credit report.

Once the debt is 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 payment. Another option is to offer a partial payment of 30-50% of the balance, if it is affordable, while requesting the deletion of the debt from your credit report. If the debt collector violates regulations during the collection process, you can assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can also be helpful in negotiating debt resolution. Additionally, consulting an attorney may be wise to explore options like bankruptcy or legal action against the collector. Remember to keep detailed records of all correspondence and calls for potential complaints, and consider revoking any prior permission given to contact you outside FDCPA guidelines.

Don’t ignore a potential debt collector. Validate the debt, understand your consumer rights under federal and state laws, and seek professional help to achieve a fair resolution.

Can The Company From 8663767829 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8663767829 is a debt collector and the debt is legitimate, they have the option to sue you and garnish your wages to recover the owed amount. To demonstrate your intent to pay, it is advisable to negotiate affordable lump-sum or installment payments and make sure to have any agreements in writing. While requesting that they stop contacting you may deter a lawsuit, it is not a guarantee. Seeking advice from a non-profit credit counselor or a consumer law attorney can provide guidance on your rights and options under the FDCPA and state law. Bankruptcy may also be worth considering if your debts are unmanageable, but consulting an attorney is crucial to determine its suitability for your circumstances. Be sure to keep detailed records of all communications and your efforts to deal with the debt.

Before agreeing to settle, carefully assess whether the proposed payment plan is realistically affordable within your budget. It is essential to obtain written confirmation of any settlement terms or agreements before proceeding with payments. Keep in mind that defaulting on a settlement can still lead to a lawsuit from the collector. Settling for a lump sum that exceeds your financial means can exacerbate long-term financial issues. It is crucial to seek assistance in understanding your rights and exploring all available alternatives before making any decisions. Additionally, obtaining a 3 bureau credit report from IdentityIQ can provide valuable information on your debts, aiding you in making informed choices when negotiating or settling with the debt collector. Always prioritize your financial well-being and choose a solution that aligns with your abilities and circumstances.

If 8663767829 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8663767829 is a collection company on your credit report, the first step is to validate the debt. Request written confirmation to ensure accuracy of personal details and debt information. Carefully review the validation, and if any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand removal.

If the debt is verified, there are several actions you can take to potentially remove it from your credit report. You can negotiate a pay-for-delete agreement in writing, offer a good faith partial settlement payment, hire a credit repair service to dispute the debt, wait for the 7-year credit reporting time limit to expire, file a complaint with the Consumer Financial Protection Bureau if laws are violated, or consult a consumer law attorney for possible legal action.

Throughout this process, it is important to keep detailed records of all your efforts to resolve the dispute. Be persistent in asserting your rights and remember to focus on determining the legitimacy of the debt before proceeding with further action.