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What Company Is Calling Me From 8775448184 And Why Are They Calling? Are They A Debt Collector?

The phone number 877-544-8184 belongs to a company called “Audit and Adjustments” or “Audit Adjustment Company,” which is a common name for debt collection agencies. They are calling to discuss outstanding debts that you may have. This company is categorized as a debt collector by multiple sources. Many people who receive these calls report that they are unsolicited and unwanted.

As a debt collector, the company must comply with consumer protection laws, such as the Fair Debt Collection Practices Act. If you dispute the debt, you have the right to request written validation and proof from the company. You can also inform the company to only communicate by mail and send a cease and desist letter if the calls become excessive.

In summary, 877-544-8184 is a debt collection agency calling about an alleged outstanding debt. If you are concerned about your financial situation and want to monitor your credit, it is recommended to pull a three-bureau credit report from IdentityIQ. This will provide a comprehensive view of your credit history and allow you to take steps towards managing your debts effectively.

How Can I Block Or Stop Calls From 8775448184?

If you’re receiving unwanted calls from 8775448184, there are a few ways you can put a stop to them. Firstly, it’s best to let unknown calls go to voicemail and avoid answering them directly. This prevents you from engaging with potential collectors. Once you’ve identified the caller as a collector, get in touch with your phone carrier to have the number permanently blocked. Alternatively, you can use call blocking apps like Nomorobo or Hiya. For smartphones, you have the option to set contacts not in your address book to go straight to voicemail or be blocked.

To make it clear that you no longer want any contact, consider sending a cease and desist letter via certified mail. In the letter, demand that the caller stop making any further calls. It’s important to check if your state has any additional laws that go beyond the FDCPA (Fair Debt Collection Practices Act) and prohibit collection calls without written notice. If such laws exist, make sure to mention them in your cease and desist letter. Don’t forget to keep detailed records of all the calls you receive. This will help demonstrate a pattern of harassment should you decide to take legal action.

In addition, seeking assistance for any underlying debt is advisable. Consult a non-profit credit counselor who can help negotiate a resolution for your outstanding debts. If the collector violates regulations, it may also be worth speaking with a consumer protection attorney to explore your rights and potential lawsuits. Regularly checking your voicemails is important so that you can stay updated on any messages from identified collectors. It’s essential to remember that blocking calls doesn’t absolve you of any legitimate debts you owe; it simply stops the harassment while you address your outstanding financial obligations.

What Are My Rights As A Consumer Regarding Calls From 8775448184 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from 8775448184. To determine if they are violating the FDCPA, make sure to keep a record of the date, time, frequency, phone number, and details of each call. It’s important to note that if they call you outside of the allowed hours of 8am – 9pm in your time zone without your consent, this could be a violation. Additionally, repeated calls over a short period or the use of abusive language may also constitute violations.

To exercise your rights, you can revoke any prior consent you may have given to be contacted outside of normal hours by sending a written request. If your workplace prohibits such calls, you can also ask them to stop contacting you there. Another option is to send a cease and desist letter via certified mail, explicitly stating that you do not wish to be contacted by phone anymore. Additionally, you can verbally request that they stop calling during any conversation.

If you believe that there are FDCPA violations, it is important to report them with proper documentation to the Consumer Financial Protection Bureau. They will open an investigation into the matter. Consulting with a consumer protection attorney can help you understand your rights and explore options such as suing for damages. For further guidance on FDCPA violations, consider reaching out to your state Attorney General’s office. You may also find it helpful to speak with an experienced credit counselor to address the debt and prevent further collection calls.

Always remember that debt collectors are required to adhere to the FDCPA. By keeping detailed records and asserting your rights, you can put an end to any further harassment from these collectors.

If Company From 8775448184 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 8775448184 is a debt collector, it’s crucial to validate the debt. To do this, send a written debt validation letter to the collector, asking for proof of the debt. Double-check the validation letter for accuracy, ensuring your personal details, creditor name, account number, and amount owed are correct. If you come across any incorrect or unfamiliar information, dispute it in writing and request its removal from your credit report.

Once the debt has been validated, you have several options to handle it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If you can afford it, offer a partial payment of 30-50% of the balance and ask for deletion from your credit report in return. If the debt collector violates regulations during collection, you can assert your rights under the Fair Debt Collection Practices Act (FDCPA). It’s also worth considering seeking guidance from a non-profit credit counseling agency or consulting an attorney to explore bankruptcy or legal action against the collector. Throughout the process, maintain detailed records of all correspondence and calls as evidence for potential complaints, and consider revoking any prior verbal or written permission granted to contact you outside FDCPA guidelines.

Remember never to ignore a potential debt collector. Validate the debt, exercise your consumer rights, and seek professional help for a fair resolution. To gain a comprehensive view of your credit information, consider obtaining a 3 bureau credit report through IdentityIQ. This will provide you with a thorough understanding of your credit situation.

Can The Company From 8775448184 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8775448184 is a debt collector and the debt is legitimate, they have the potential to sue you and garnish your wages or bank accounts. To avoid legal action, negotiate affordable payment plans in writing with the collector and demonstrate your effort to pay. It’s also possible to assert your inability to pay and request that they cease contact, but this may not prevent a lawsuit entirely. Seek guidance from credit counselors or attorneys familiar with consumer laws to understand your options and protections.

When considering a settlement, carefully assess whether the proposed payment plan is realistically affordable based on your budget. Get settlement terms in writing before making payments, as the collector can still sue if you default on the settlement. Settling for an unaffordable lump sum may cause more financial harm in the long run.

In conclusion, settling with the debt collector can help avoid legal action, but it’s crucial to understand your rights and options before agreeing to any payment arrangements. Consult professionals who can provide guidance based on your specific situation.

If 8775448184 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8775448184 is a collection company, the first step is to request written confirmation to validate the debt. Carefully review the validation to ensure accuracy of personal details and debt information. If anything is incorrect, dispute the debt in writing, stating that it is inaccurate according to the Fair Credit Reporting Act. Demand that the collection agency removes the collection tradeline from your credit file.

If the collector verifies the debt, there are active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, offering a lump-sum settlement in exchange for removal. Alternatively, you can offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although they are not obligated to remove it without a formal agreement.

You may also consider hiring a credit repair service to formally dispute the debt on your behalf and provide legal resources. Another option is to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector refuses to remove inaccurate information and violates laws, 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, potentially enabling you to sue for removal and damages.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can increase the chances of removing collections from your credit report. Remember to keep detailed written records of your efforts to resolve the disputed collection account. However, it is important to determine if the debt is legitimate before taking any action.