812-372-0263

What Company Is Calling Me From 812-372-0263? Are They A Scam And Why Are They Calling Me?

The company calling you from 812-372-0263 is Allied Collection Service, a real collection agency based in Columbus, Indiana. They may be contacting you about an outstanding debt. While collection calls can be bothersome, Allied Collection Service is not a scam. They must follow consumer protection laws, such as the Fair Debt Collection Practices Act (FDCPA), which sets boundaries for calling hours and prohibits harassing conduct.

If the calls become excessive or threatening, you have options under these laws. Block the number, send a cease and desist letter, and consider seeking help from a non-profit credit counselor or attorney. To verify the debt, request written validation, check for accuracy, and negotiate a settlement or payment plan. Keep detailed records and use your rights under the FDCPA to protect yourself.

How Can I Block Or Stop Calls From 812-372-0263?

If you’re receiving unwanted calls from 812-372-0263, it’s crucial to identify if they are from a debt collector. To block or stop these calls, consider taking the following steps:

1. Contact your phone carrier and request them to block the number.
2. Utilize call blocking apps on your smartphone to automatically filter and block unwanted calls.
3. Set unknown callers to voicemail, preventing them from reaching you directly.
4. Send a cease and desist letter to the caller, asking them to stop calling you.
5. Consult a non-profit credit counselor or attorney for assistance in resolving debt issues.
6. Keep records of calls and monitor voicemail regularly.

By exercising your rights under the Fair Debt Collection Practices Act (FDCPA) and requesting written validation of the debt if necessary, you can effectively block or stop calls from 812-372-0263 and better manage your debt situation.

Is 222-222-2222 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 222-222-2222 is not associated with any known debt collection agency. However, if you are receiving calls from a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA). To protect yourself, maintain a record of call details and request the collector to adhere to your preferred call hours. You can also revoke consent for workplace calls or send a cease and desist letter if necessary.

If you suspect a violation of the FDCPA, report the issue to the Consumer Financial Protection Bureau. Seek assistance from a consumer protection attorney or credit counselor for guidance on handling the situation. To verify the debt, request written validation from the agency and review it for accuracy. If needed, negotiate a settlement or payment plan, and keep detailed records of all communication to ensure a fair debt collection process.

If 812-372-0263 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 812-372-0263 is a debt collector, you can validate the debt and explore your options by following these steps:

1. Request written validation: Ask the debt collector to provide written proof of the debt, including the amount owed, creditor’s name, and other relevant information.

2. Review the information: Carefully examine the written validation for accuracy. Look for any discrepancies or errors that may be present.

3. Dispute any errors: If you find any inaccuracies, dispute them with the debt collector in writing. You have the right to do so under the Fair Debt Collection Practices Act (FDCPA).

4. Negotiate a settlement or payment plan: If the debt is valid, negotiate with the collector to settle the debt for less than the owed amount or establish a payment plan that works for you.

5. Exercise your rights under the FDCPA: Familiarize yourself with the rights and protections provided by the FDCPA, and use them to your advantage when dealing with debt collectors.

6. Consult a non-profit credit counselor or attorney: If you need further assistance, consider seeking help from a non-profit credit counselor or an attorney who specializes in debt collection matters.

7. Keep detailed records: Maintain records of all communications with the debt collector, including dates, times, and content of the conversations. This information may be useful if you need to take legal action or file a complaint.

8. Never ignore collectors: Ignoring collectors will not make the debt go away. Instead, it may lead to additional fees, damage your credit score, and even legal action.

By following these steps, you can validate the debt from 812-372-0263 and make informed decisions about your next steps.

Can 812-372-0263 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If Allied Collection Service, calling from 812-372-0263, is a legitimate debt collector, they have the legal right to sue you to recover the amount owed, which could result in wage or bank account garnishment. To avoid such legal action, consider negotiating affordable payment plans, asserting your inability to pay, seeking credit counseling, hiring an attorney, or exploring bankruptcy. Before settling, ensure the payment plan is manageable, get the terms in writing, and be aware of potential consequences if you default. Reach out for assistance to understand your options and rights.

If 812-372-0263 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’re receiving calls from 812-372-0263, it’s crucial to first verify if the debt is legitimate by requesting written confirmation from Allied Collection Service. If the debt is found to be inaccurate, submit a written dispute to the collection agency. To potentially remove the debt from your credit report, consider the following steps:

1. Negotiate a pay-for-delete agreement: Request the collection agency to remove the debt from your credit report in exchange for full payment.

2. Offer a good faith settlement: Make a reasonable offer to settle the debt for less than the full amount, which may lead to the collection agency removing the debt from your report.

3. Hire a credit repair service: Professional credit repair companies can help dispute the debt and negotiate with the collection agency on your behalf.

4. Wait for the time limit: Debts typically remain on your credit report for seven years. After this period, the collection agency should automatically remove the debt.

5. File a complaint: Report the collection agency to the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office if they violate consumer protection laws.

6. Consult an attorney: If the situation becomes complex or involves legal matters, seek legal advice from a professional.

7. Maintain detailed records: Keep track of all communication and transactions related to the debt, as well as any disputes or negotiations.

Ultimately, it’s essential to validate the debt before taking any action to remove it from your credit report.

What Feedback And Comments Do People Leave About 812-372-0263?

People have left mixed feedback about 812-372-0263, which is associated with Allied Collection Service, a debt collection agency in Columbus, Indiana. Some complaints mention robocalls, while others express dissatisfaction with the company’s practices. To avoid unwanted calls, using call blocking software can be beneficial. The number has been listed on blocked call lists, indicating numerous unsolicited calls.

Allied Collection Service must follow regulations like the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive or deceptive practices by debt collectors. If you have been called by this number, you can stop unwanted calls by blocking the number, sending a cease and desist letter, or seeking help from a non-profit credit counselor or attorney.

To verify the debt, request written validation from the agency and review it for accuracy. If there are any discrepancies, negotiate a settlement or payment plan with them. Keep detailed records of your interactions and communications, and remember that you have rights under the FDCPA to ensure fair treatment during the debt collection process.