8014864182

What Company Is Calling Me From 8014864182 And Why Are They Calling? Are They A Debt Collector?

If you’re getting calls from the number 8014864182, chances are it’s Express Recovery Services reaching out to you. They’re a debt collection agency based in West Valley City, Utah. Their aim is to collect outstanding debts from consumers who have defaulted on their payments.

As a debt collector, Express Recovery Services follows consumer protection laws like the Fair Debt Collection Practices Act. This legislation ensures that debt collectors adhere to certain standards and treat consumers fairly throughout the collection process.

If you receive calls from Express Recovery Services about a debt that you don’t recognize or dispute, you have the right to request them to stop contacting you in writing. You can also ask them to provide validation of the debt, which means they must provide evidence that you owe the money they’re trying to collect.

When dealing with debt collectors, it’s important to be cautious and protect your personal and financial information. Before sharing any sensitive details, verify the caller’s identity and confirm the validity of the debt they’re trying to collect. If you believe that Express Recovery Services has violated any debt collection laws, you can file complaints with regulatory agencies like the Federal Trade Commission (FTC) or Consumer Financial Protection Bureau (CFPB).

How Can I Block Or Stop Calls From 8014864182?

If you want to block or stop calls from the number 8014864182, there are several steps you can take. First, identify if the calls are coming from a debt collector. Let unknown calls go to voicemail and avoid engaging directly with potential collectors. Once identified as a collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. On smartphones, you can also set contacts not in your address book to go straight to voicemail or be blocked.

To formally request no further contact, send a cease and desist letter via certified mail. This letter demands no further calls and serves as an official notice. It is important to check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice. If so, send a cease and desist letter invoking those rights. Keeping detailed records of all calls can help demonstrate a pattern of harassment if considering legal action.

If you need help with the underlying debt, consult a non-profit credit counselor. They can assist in negotiating a resolution or providing guidance on how to address the outstanding debt. Additionally, consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. It is important to note that blocking calls does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8014864182 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), consumers have rights when it comes to calls from the number 8014864182. To address any possible violations, follow these steps:

First, document any potential FDCPA violations. Keep track of the date, time, frequency, phone number, and details of each call. This record will help you identify any harassment or violations, especially if they call outside the allowed hours of 8am – 9pm in your time zone or repeatedly call over a short period.

Next, assert your rights. Write a letter revoking any consent you may have given to call outside normal hours. If your workplace prohibits these calls, formally request that they cease contact there. Send a cease and desist letter via certified mail, clearly demanding no further contact by phone. You can also verbally ask them to stop calling during any conversation.

If violations persist, seek assistance on next steps. Report any violations, along with your documentation, to the Consumer Financial Protection Bureau (CFPB). This will initiate an investigation into the matter. Consult with a consumer protection attorney to understand your specific rights and options, which may include suing for damages. If you believe that FDCPA violations have occurred, contact your state Attorney General’s office for guidance. Additionally, seek advice from an experienced credit counselor on addressing the debt without facing further collection calls.

Adhering to the FDCPA, keeping detailed records, and asserting your rights will help prevent further harassment from debt collectors. By taking proactive steps, you can protect your consumer rights and resolve any potential violations.

If Company From 8014864182 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you’re receiving calls from the number 8014864182 and suspect that it’s a debt collector, taking steps to validate the debt is crucial. Start by sending a debt validation letter to the collector, requesting written proof of the debt as mandated by the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation information provided, including your personal details, creditor name, account number, and amount owed. If you spot any inaccuracies or unfamiliar information, write a dispute letter asking for its removal from your credit report.

Once the debt has been validated, you have various options for dealing with it. You can negotiate a fair lump-sum settlement or arrange a payment installment plan with the collector. To potentially improve your negotiation position, consider offering a partial payment of 30-50% of the balance and requesting the debt’s deletion from your credit report in return. In case the debt collector violates any regulations during the collection process, don’t hesitate to assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can also be helpful in resolving your debt situation. Additionally, consulting with an attorney to explore options like bankruptcy or legal action against the collector may be advisable. Keep detailed records of all communication and consider revoking any prior permission you may have given to the debt collector to contact you outside the guidelines set by the FDCPA.

Remember, it’s crucial not to ignore a potential debt collector. Take the necessary steps to validate the debt and assert your consumer rights under federal and state laws before deciding on the best path to resolution. Seeking assistance from professionals can ensure a fair outcome and help you navigate this process successfully.

Can The Company From 8014864182 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from the phone number 8014864182 is a debt collector, it’s important to be aware that they may take legal action and potentially sue you or garnish your wages if the debt is legitimate. To prevent this, it’s crucial to take proactive measures.

In order to avoid a lawsuit, you can start by reaching out to the debt collector and trying to negotiate affordable lump-sum or installment payments. It’s important to communicate your willingness to pay and show good faith efforts. However, it’s important to note that negotiating does not guarantee that the debt collector won’t proceed with legal action.

Seeking help from a non-profit credit counselor can be beneficial as they can work on your behalf to communicate with the debt collector. Additionally, consulting a consumer law attorney will give you a better understanding of your rights and protections under laws like the Fair Debt Collection Practices Act (FDCPA) and state regulations regarding lawsuits.

Consider speaking with an attorney specializing in bankruptcy law if your debts become overwhelming. They can guide you on whether bankruptcy is an appropriate option for your situation. Remember to keep detailed records of all communication, including calls and letters.

Before agreeing to settle, carefully assess whether the proposed payment plan is realistically affordable within your budget. Always insist on getting settlement terms in writing before making any payments. Keep in mind that even after settling, a collector can still sue if you default on the agreement.

While settling is often a good way to avoid legal action, it’s crucial to evaluate your options and seek assistance to make informed decisions. Understand your rights and consult professionals who can help you navigate through this challenging process.

If 8014864182 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 8014864182 is a collection company on your credit report, there are steps you can take to potentially get it removed. First, request written confirmation to validate the debt and review it carefully for accuracy. If there are any inaccuracies, send a written dispute to the collection agency stating that the debt is incorrect according to the Fair Credit Reporting Act.

If the collector verifies the debt as valid, you can try negotiating a pay-for-delete agreement in writing. This involves settling the debt in exchange for its removal from your credit file. Alternatively, you can offer a partial settlement payment as a gesture of goodwill and request deletion, although there’s no obligation for them to remove it without a formal agreement.

Another option is to hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to help get it removed. Alternatively, you can wait until the 7-year credit reporting time limit for collections 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. Consulting with a consumer law attorney can also help determine if the collector broke any laws, which may enable you to sue for removal and damages.

Throughout this process, keep detailed written records of all your efforts to resolve the disputed collection account. By actively validating debts, negotiating with collectors, and asserting your rights, you increase your chances of successfully removing collections from your credit report. However, it’s important to focus on determining if the debt is legitimate before taking any action.