8054658660

What Company Is Calling Me From 8054658660 And Why Are They Calling? Are They A Debt Collector?

If you received a call from 805-465-8660, it was likely ARM Solutions, a debt collection agency based in Camarillo, California. They contact individuals on behalf of creditors and debt buyers to collect on overdue accounts. However, it’s important to be aware that there have been complaints about their aggressive tactics.

If you find yourself in a situation where ARM Solutions is contacting you, it is wise to ask them to provide written proof of the debt within 30 days for verification. It is also crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). This act prohibits collectors from using harassing or dishonest methods when trying to collect a debt.

Although you can request that ARM Solutions stop contacting you, they are still permitted to take other legal actions. If you believe their practices are unlawful, it is advisable to file complaints with both the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). Additionally, you may want to consider negotiating a settlement or seeking assistance from a professional debt settlement service.

Keep in mind that debts typically disappear from your credit report after 7 years. To stay informed about your financial situation and monitor your credit report, it is recommended to obtain a three-bureau credit report through IdentityIQ, a trusted credit monitoring service.

How Can I Block Or Stop Calls From 8054658660?

Under the Fair Debt Collection Practices Act (FDCPA), you have specific rights as a consumer when it comes to calls from the number 8054658660. To determine if they are violating the FDCPA, document any potential violations by noting the date, time, frequency, phone number, and details of all calls. If they call outside the allowed hours of 8am – 9pm in your time zone without your consent, this may be a violation. Additionally, if they repeatedly call you more than 2-3 times per week or use abusive language, these are also potential violations.

To exercise your rights, there are several actions you can take. First, in writing, revoke any prior consent given to call outside normal hours. If your workplace does not allow calls, formally request that they stop contacting you there. You can also send a certified cease and desist letter, demanding no further phone contact. During any conversation, verbally request that they stop calling.

If you believe there are FDCPA violations, report them with documentation to the Consumer Financial Protection Bureau to initiate an investigation. Consulting with a consumer protection attorney can provide guidance on your specific rights and options, such as the possibility of suing for damages. Your state Attorney General’s office can also offer guidance if you believe violations have occurred. Additionally, speaking with an experienced credit counselor can help you address the debt without facing further collection calls.

Remember, collectors must adhere to the FDCPA. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

What Are My Rights As A Consumer Regarding Calls From 8054658660, And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have certain rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to receiving calls from the number 8054658660. To ensure you are protected, it is important to document any potential FDCPA violations, such as calls made outside the allowed hours of 8am – 9pm in your time zone or any repeated calls over a short period. Additionally, keep track of any abusive, threatening, or obscene language used during these calls.

To assert your rights, there are several actions you can take. In writing, revoke any prior consent given to call outside normal hours and request that they cease contact at your workplace if it is prohibited by your employer. You can also send a cease and desist letter via certified mail, explicitly demanding no further contact by phone. During any conversation, you have the right to verbally request that they stop calling.

If you encounter any violations, it is crucial to report them. You can submit your documentation to the Consumer Financial Protection Bureau to initiate an investigation. It is also advisable to consult with a consumer protection attorney who can provide you with guidance on your specific rights and options, including the possibility of suing for damages. Furthermore, contacting your state Attorney General’s office can help you navigate through any FDCPA violations that may have occurred. Seeking advice from an experienced credit counselor can also assist you in addressing the debt without experiencing further collection calls.

Remember, debt collectors are required to adhere to the FDCPA regulations when contacting you. By maintaining detailed records and asserting your rights, you can protect yourself from any harassment or further violations from debt collectors.

If Company From 8054658660 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you receive a call from the company with the number 8054658660 and they claim to be a debt collector, it’s important to validate the debt before taking any action. Start by requesting written verification of the debt, which should include details such as the amount owed, the original creditor, and information on how to dispute the debt if necessary. Be sure to keep copies of all correspondence for your records.

Once you have verified the debt, you have a few options for dealing with it. First, you can try negotiating with the debt collector to come up with a payment plan that fits your budget. This can be done either as a lump sum or in installments. Make sure to get any agreements in writing before making any payments.

Another option is to assert your inability to pay and request that the collector cease contact. While this may not completely prevent a lawsuit, it can provide you with some relief from constant communication. It may be helpful to seek guidance from a non-profit credit counselor or consult with a consumer law attorney to better understand your rights and explore alternatives like bankruptcy if needed.

Remember, it’s important to keep thorough documentation of all communication and efforts made to address the debt. This will help you have a clear record of your actions and protect your rights in case of any legal disputes. Take the time to understand your options and seek professional advice if needed before making any decisions regarding the debt.

Can The Company From 8054658660 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you’re receiving calls from 8063765505 and wondering what actions you can take, we’ve got you covered. First, it’s best to let unknown calls go to voicemail and avoid answering them directly. This simple step helps you identify if the call is from a debt collector. Debt collectors often leave messages mentioning their intention to collect a debt.

Once you’ve identified the call as coming from a collector, you can block future calls by reaching out to your phone carrier. You’ll find that most major carriers offer call blocking services through customer support or your online account. Using call blocking apps like Nomorobo or Hiya is another effective option as they can automatically block and filter out the number at the network level. For smartphones, you have the additional option of setting contacts not in your address book to go straight to voicemail or be blocked.

To make your request to stop further contact more formal, consider sending a cease and desist letter via certified mail. This letter will demand that the collector immediately stops calling you. Remember to keep detailed records of all calls, as they can be crucial evidence in demonstrating a pattern of harassment if you decide to pursue legal action.

It’s important to note that blocking calls doesn’t eliminate any legitimate debts you may owe. If you have outstanding debts, we recommend consulting a non-profit credit counselor to help negotiate a resolution. Additionally, speaking to a consumer protection attorney about your rights and potential lawsuits may be a wise step if the collector violates regulations. Don’t forget to regularly check your voicemails for any messages left by an identified collector.

Take control of the situation by following these steps and empower yourself with the knowledge and resources you need to protect your rights.

If 8054658660 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 8054658660 is a collection company, the first step is to request written confirmation to validate the debt. Carefully review the validation to ensure accuracy, and if any information is incorrect, send a written dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act. Demand the removal of the collection tradeline from your credit file.

If the collector verifies the debt as valid, there are options to potentially remove it. You can negotiate a pay-for-delete agreement in writing, settling the debt in exchange for its removal. Offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill is another option, although they are not obligated 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 for 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 collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to review if you have grounds for suing for removal and damages. Keeping detailed written records of your efforts to resolve the disputed collection account is important.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can increase your chances of removing collections from your credit report. However, it is crucial to first determine if the debt is legitimate before taking any action.