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What Company Is Calling Me From 8773444002 And Why Are They Calling? Are They A Debt Collector?

The phone number 877-344-4002 belongs to Gurstel Law Firm P.C., a debt collection law firm with locations in multiple states. They specialize in collecting on delinquent consumer debts that have been charged-off by original creditors and purchased by debt buyers. If you receive a call from this number, it is likely an attempt by Gurstel Law Firm to collect on an outstanding debt they claim you owe.

It is important not to ignore their calls or letters, as they may escalate collection activities, including lawsuits if they are unable to make contact. If you do not recognize the debt or dispute the amount owed, request debt validation and get proof in writing before making any payments. You have the right to verify the legitimacy of the debt.

If the debt is legitimate and you wish to resolve it, you can negotiate settlements or payment plans with Gurstel Law Firm. However, if you believe that Gurstel Law Firm is violating debt collection laws, you have the option to file complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). These agencies are responsible for enforcing the Fair Debt Collection Practices Act (FDCPA) and protecting consumers from unfair or illegal debt collection practices.

How Can I Block Or Stop Calls From 8773444002?

If you want to block or stop calls from 8773444002, follow these steps. First, identify if it is a debt collector. Simply let unknown calls go to voicemail and avoid answering them directly. This will help you avoid engaging with potential collectors.

Next, block further calls by taking action. Contact your phone carrier and request 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 smartphone users, you can set contacts not in your address book to go straight to voicemail or be blocked.

To further protect yourself, formally request no further contact. Send a cease and desist letter via certified mail to the caller, demanding that they cease all calls. Additionally, check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice. If such laws exist, send a cease and desist letter invoking those rights. It is important to keep detailed records of all calls to demonstrate a pattern of harassment if you are considering legal action.

Lastly, seek assistance in addressing any underlying debt. Consult a non-profit credit counselor who can help negotiate a resolution for the debt. If the collector violates regulations, consider speaking to a consumer protection attorney regarding your rights and any potential lawsuits. Make sure to regularly check your voicemails to monitor any messages from an identified collector.

Remember, blocking calls does not eliminate any legitimate debts owed. However, by taking proactive steps outlined here, you can stop harassment while also addressing any outstanding debts effectively.

What Are My Rights As A Consumer Regarding Calls From 8773444002 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to know your rights under the Fair Debt Collection Practices Act (FDCPA) when dealing with debt collection calls from the number 8773444002. To protect yourself, record important details such as the date, time, frequency, phone number, and specifics of each call. If these calls occur outside of the acceptable hours of 8am – 9pm in your time zone or if they become excessive within a short period, you may be able to assert FDCPA violations.

To exercise your rights, you can revoke any prior consent given to receive calls outside of normal hours by providing written notice. If your workplace prohibits such calls, you have the right to formally request that they cease contact at your place of employment. Another effective approach is to send a cease and desist letter via certified mail, clearly demanding no further contact by phone. Additionally, it is within your rights to verbally request that the collector stops calling during any conversation.

If you believe that FDCPA violations have occurred, it is advisable to report them, along with your documented evidence, to the Consumer Financial Protection Bureau. They will be able to open an investigation into the matter. It may also be beneficial to seek guidance from a consumer protection attorney who can provide you with specific advice and options, including the possibility of suing for damages. For further assistance, reach out to your state’s Attorney General’s office or an experienced credit counselor who can help you address your debt without enduring further collection calls.

Remember, debt collectors are required to adhere to the FDCPA when contacting you. By keeping meticulous records and asserting your rights, you can safeguard yourself against harassment from debt collectors linked to calls originating from 8773444002.

If Company From 8773444002 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company from 8773444002 is a debt collector, you can take steps to validate the debt. First, request written validation through a debt validation letter. Carefully review the validation for accuracy and dispute any incorrect information in writing. You can also ask for the debt to be removed from your credit report.

Once the debt has been 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 payments. If you can afford it, offering a partial payment of 30-50% of the balance and requesting deletion from your credit report may be an option. If the debt collector violates regulations, you can assert your rights under the Fair Debt Collection Practices Act (FDCPA). Seeking advice from a non-profit credit counseling agency or an attorney can also provide guidance on negotiating debt resolution or exploring other options like bankruptcy or legal action against the collector. Remember to keep detailed records of all correspondence and calls for potential complaints, and you can also revoke any prior permission given to contact you outside FDCPA guidelines.

Don’t ignore a potential debt collector; instead, take steps to confirm the validity of the debt while asserting your consumer rights. Seeking assistance from professionals can ensure a fair resolution to your situation.

Can The Company From 8773444002 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8773444002 is a debt collector, they have the potential to sue you and garnish your wages if they are able to prove the legitimacy of the debt and obtain a court judgment. However, there are steps you can take to try and avoid facing legal action. It is important to negotiate affordable payment arrangements with the debt collector in writing, as this shows your commitment to paying off the debt. You can also assert your inability to pay and request that they stop contacting you, although it’s important to note that this may not prevent a lawsuit from being filed against you. Seeking advice from a non-profit credit counselor or hiring a consumer law attorney can provide you with valuable insights into your rights and protections in this situation.

If your debts have become overwhelming, it may be worth considering bankruptcy as an option. Consulting with an attorney who specializes in bankruptcy can help you understand whether this is a viable solution for your situation. Additionally, before agreeing to any settlement offer, carefully evaluate the proposed payment plan and make sure it is realistically affordable for you. It is crucial to get any settlement terms in writing to protect yourself. While settling may be a good option to avoid legal action, it’s important not to agree to payments that you won’t be able to realistically maintain in the long term.

Remember, dealing with debt collectors can be stressful, but understanding your rights and exploring all available options can help you navigate this challenging situation.

If 8773444002 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 8773444002 is a collection company on your credit report, the first step is to validate the legitimacy of the debt. Request written confirmation and carefully review the validation for accuracy. If there are any inaccuracies, send a written dispute to the collection agency, citing the Fair Credit Reporting Act and demanding removal from your credit file.

If the debt is verified as valid, there are a few options you can pursue to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for its removal. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, it’s important to have a formal agreement for removal in both cases.

Alternatively, you could consider hiring a credit repair service to dispute the debt on your behalf and provide legal resources for removal. Additionally, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. In case the collector refuses to remove inaccurate information or violates laws, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney for legal options.

Make sure to document all your efforts to resolve the disputed collection account in writing. By proactively validating debts, negotiating with collectors, and asserting your rights, you can increase the likelihood of removing collections from your credit report with persistence and proper documentation.