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What Company Is Calling Me From 8773513993 And Why Are They Calling? Are They A Debt Collector?

If you receive a call from the number 877-351-3993, it is likely a scammer’s telephone number. This number is not associated with any specific company or debt collector. Scammers often use various tactics to trick people into revealing personal information or making payments for debts that they do not actually owe. They may pretend to be government officials, law firms, or debt collectors to intimidate and deceive individuals.

If you receive a call from this number or any other suspicious number, it is best not to share any personal information or make any payments. Instead, hang up immediately and report the call to your local authorities or the Federal Trade Commission (FTC). To verify the legitimacy of a debt collector, you should request details such as the name of the creditor, the amount owed, and the process for disputing the debt. Legitimate debt collectors are required to provide this information during the initial contact or send it in writing within five days.

It is crucial to remain cautious and safeguard your personal information from potential scammers. Taking proactive steps like monitoring your credit by obtaining a three-bureau credit report from IdentityIQ can help you detect any unauthorized activity and protect yourself from identity theft or fraudulent actions.

How Can I Block Or Stop Calls From 8773513993?

To block or stop calls from the number 8773513993, follow these steps. Firstly, let unknown calls go to voicemail and avoid answering them directly to avoid engaging with potential debt collectors. Once you identify the caller as a debt collector, contact your phone carrier to permanently block the number, use call blocking apps, or set contacts not in your address book to go straight to voicemail or be blocked.

In addition to call blocking, you can formally request no further contact by sending a cease and desist letter via certified mail. This letter demands that the collector stops calling you, and they can only contact you to confirm they will stop or notify you of specific actions. Check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that forbid collection calls without written notice and include those rights in your cease and desist letter.

Keeping detailed records of all calls can help demonstrate a pattern of harassment if you are considering legal action. Consult a non-profit credit counselor who can assist in negotiating the resolution of the debt. If the collector violates regulations, speak to a consumer protection attorney regarding your rights and potential lawsuits. Lastly, do not avoid unknown calls altogether; check voicemails to monitor any messages from an identified collector.

By taking these proactive steps, you can block or stop calls from 8773513993 while addressing outstanding debts and stopping harassment. Remember, blocking calls does not eliminate legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 8773513993 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it’s important to understand your rights when it comes to calls from 8773513993. Under the Fair Debt Collection Practices Act (FDCPA), you are entitled to certain protections. In order to determine if these calls violate the FDCPA, there are steps you can take.

Firstly, document any potential violations. Keep a record of the date, time, frequency, and phone number of all calls from 8773513993. Pay attention to whether they call outside the permitted hours of 8am – 9pm in your time zone. Also, note if they repeatedly call within a short period or use abusive language.

Next, assert your rights. In writing, revoke any previous consent given for calls outside normal hours. Formally request that they no longer contact you at your workplace, if your employer prohibits it. Send a cease and desist letter through certified mail, demanding no further contact by phone. Additionally, you can verbally request that they stop calling during any conversation.

Lastly, seek assistance on the next steps to take. Report any violations, along with the evidence you have documented, to the Consumer Financial Protection Bureau to initiate an investigation. Consult with a consumer protection attorney to fully understand your rights and options, such as pursuing damages through a lawsuit. If you believe there have been FDCPA violations, contact your state Attorney General’s office for guidance. You may also want to seek advice from an experienced credit counselor on how to address the debt without further collection calls.

By keeping detailed records and asserting your rights, you can protect yourself from harassment by debt collectors.

If Company From 8773513993 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you think the company from the phone number 8773513993 is a debt collector, you can take certain steps to validate the debt and address the situation. To begin, send a debt validation letter to the collector, as required by the Fair Debt Collection Practices Act (FDCPA), formally requesting written validation of the debt.

Once you receive the validation, carefully review it for accuracy. Check that your personal information, creditor name, account number, and amount owed are all correct. If you spot any incorrect or unfamiliar details, dispute them in writing and ask for their removal from your credit report.

After the debt has been validated, you have several options for handling it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If it’s feasible, you can also offer a partial payment of 30-50% of the balance and request the debt’s deletion from your credit report. Moreover, should the debt collector breach any regulations during the collection process, you have the right to assert your rights according to the FDCPA. Consider seeking guidance from a non-profit credit counseling agency to navigate debt resolution or consult an attorney for advice on bankruptcy or legal action against the collector.

Throughout this process, it’s crucial to maintain thorough records of all communication and phone calls to potentially file complaints. Additionally, ensure that you revoke any prior verbal or written consent given to the debt collector to contact you outside the guidelines established by the FDCPA.

Remember never to disregard a possible debt collector. Take action to validate the debt, exercise your consumer rights, and seek professional assistance to achieve a fair resolution.

Can The Company From 8773513993 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8773513993 is a debt collector and the debt is legitimate, they have the potential to sue you and garnish your wages in order to recoup the amount owed. To avoid legal action, it’s essential to negotiate payment options that you can afford and secure them in writing. You can also assert your inability to pay, seek guidance from a non-profit credit counselor, or even hire a consumer law attorney to protect your rights under the FDCPA and state laws. If your debts are overwhelming, bankruptcy may be an option worth considering, but consult with an attorney to determine its suitability for your particular circumstances. It’s important to keep thorough documentation of all communications and efforts made to address the debt for a clear and organized record.

Before agreeing to settle, carefully evaluate the affordability of the proposed payment plan and ensure that all settlement terms and agreements are clearly stated in writing. It’s crucial to remember that if you default on a settlement, the collector can still sue you. Therefore, it’s essential not to agree to payment terms that you realistically cannot sustain, as this could lead to further financial harm in the long run. Seek assistance to understand your options and rights before making any decisions. One proactive step you can take is to obtain a comprehensive view of your credit history by pulling a three-bureau credit report using IdentityIQ, which can help you determine the best course of action for your situation. Keep in mind that each case is unique, so it’s vital to consult with professionals who can provide personalized advice based on your specific circumstances.

If 8773513993 Is A Collection Company, How Can I Get It Removed From My Credit Report?

To get 8773513993, or any collection company, removed from your credit report, start by validating the debt. Request written confirmation of its legitimacy and carefully review the information provided. If you find any inaccuracies in personal details or debt information, send a written dispute to the collection agency. Clearly state that the debt is incorrect according to the Fair Credit Reporting Act and demand its removal from your credit file.

If the collector verifies the debt’s validity, you have several options to potentially remove it. You can negotiate a pay-for-delete agreement in writing, where you agree to pay a portion of the debt in exchange for its removal from your credit report. Another option is to offer a good faith partial settlement payment and request deletion. Additionally, you can seek assistance from a credit repair service to help you dispute the debt or simply wait for the 7-year credit reporting time limit for automatic removal.

In case of any violations or unfair practices, you can file a complaint with the Consumer Financial Protection Bureau. Alternatively, if you believe your rights have been seriously infringed upon, consulting a consumer law attorney may be an option for potential legal action.

Throughout the entire process, it’s important to maintain detailed written records of all your efforts to resolve the dispute and communicate with the collection company. By validating debts, negotiating effectively, and asserting your rights, you can enhance your chances of successfully removing collections from your credit report. However, remember that it is crucial to first determine the legitimacy of the debt before taking any action.