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What Company Is Calling Me From 8778173727 And Why Are They Calling? Are They A Debt Collector?

The phone number 877-817-3727 is associated with Xact Check n Go, a legitimate debt collection agency linked to Check n Go loans. They are calling you most likely because you have an unpaid debt or loan with them that needs to be collected. Xact Check n Go, as a debt collector, must abide by consumer protection laws such as the Fair Debt Collection Practices Act, which prohibits any form of harassment or false statements. If you have any doubts regarding the debt or wish to verify it, you can send a debt validation letter to Xact Check n Go, asking for proof of the money owed. If their calls become excessive, you have the right to request that they cease contacting you.

To address your concerns about debt collectors reaching out to you, one potential solution is to obtain your 3 bureau credit report from IdentityIQ. This report will give you a comprehensive overview of your credit history and any outstanding debts, enabling you to have a better understanding of your financial situation and take appropriate actions if necessary. It is important to always stay informed and assert your rights as a consumer to ensure fair treatment throughout the debt collection process.

How Can I Block Or Stop Calls From 8778173727?

If you want to block or stop calls from 8778173727, here are the steps you can follow. First, to determine if it is a debt collector, let unknown calls go to voicemail and listen for any mention of debt collection. It’s also a good idea to avoid answering unknown calls to avoid engaging with potential collectors.

To block further calls, contact your phone carrier and request that they permanently block the number. Additionally, you can use call blocking apps such as Nomorobo or Hiya to automatically filter out calls from this number. You can also set contacts not in your address book to go straight to voicemail or be blocked.

If you want to formally request no further contact, consider sending a cease and desist letter via certified mail to demand that they stop calling you. It’s also important to check if your state has additional laws against collection calls without written notice. Make sure to keep detailed records of all calls for potential legal action.

Lastly, if you need assistance with addressing the underlying debt, consult a non-profit credit counselor who can help you negotiate debt resolution. It may also be beneficial to speak with a consumer protection attorney to fully understand your rights and explore potential lawsuits. Don’t forget to monitor your voicemails for any messages left by identified collectors.

Always remember that blocking calls does not eliminate legitimate debts. Taking proactive steps can help stop harassment while effectively addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8778173727 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have specific rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 8778173727. If you suspect that they are violating the FDCPA, start by documenting any potential violations. Record the date, time, frequency, phone number, and details of the calls. Be sure to note if they call outside the permitted hours of 8am – 9pm in your time zone, make repeated calls within a short period, or use abusive language during the calls.

To assert your rights, there are several actions you can take. You have the right to revoke any previous consent given to receive calls outside of normal hours. It is important to do this in writing. You can also formally request that they refrain from calling your workplace if such contact is prohibited by your employer. 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. Additionally, during any conversation, you can verbally request that they stop calling.

If you believe that the FDCPA has been violated, you should report these violations to the Consumer Financial Protection Bureau (CFPB). To initiate an investigation, provide the CFPB with documented evidence of the violations. It may also be helpful to seek advice from a consumer protection attorney who can guide you through your specific rights and options, such as the possibility of suing for damages. Contacting your state Attorney General’s office can provide further guidance as well. If you need assistance in addressing the debt without facing further collection calls, consider reaching out to an experienced credit counselor.

Remember to maintain detailed records of all communication and assert your rights to prevent any harassment from debt collectors.

If The Company From 8778173727 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 8778173727 is a debt collector, you have options for validating the debt and dealing with it effectively. Start by sending a written debt validation letter to the collector, requesting proof of the debt as required by the Fair Debt Collection Practices Act (FDCPA). Check the validation carefully, ensuring accuracy of personal details, creditor name, account number, and amount owed. If you find any incorrect or unrecognized information, dispute it in writing and ask for removal from your credit report.

Once the debt is validated, consider negotiating a lump-sum settlement or a payment installment plan in writing before making any payments. You can also offer partial payment of 30-50% of the balance and request deletion from your credit report as part of the agreement. If the debt collector violates regulations during collection, assert your rights under the FDCPA. Seek guidance from a non-profit credit counseling agency for help with negotiating debt resolution. Additionally, consult with an attorney to explore options such as bankruptcy or legal action against the collector.

Remember to keep detailed records of all communication and maintain a record of any potential complaints. You can also revoke any prior permission given to contact you outside the guidelines set by the FDCPA. Never ignore a potential debt collector. Validate the debt, exercise your consumer rights, and seek professional help for a fair resolution. Consider obtaining your credit report from IdentityIQ or similar services to get a comprehensive view of your financial standing and address any potential issues.

Can The Company From 877-817-3727 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you find yourself in a situation where the company from 877-817-3727 is a debt collector, it’s crucial to be aware that they have the potential to take legal action against you or garnish your wages if the debt is valid. To show your commitment to paying off the debt, it’s important to negotiate affordable payment options, either in a lump sum or through installments, and have these agreements documented in writing. While requesting that the debt collector stop contacting you may not prevent a lawsuit, it is within your rights to express your inability to pay. To better protect your rights and explore your available choices, it’s recommended to seek guidance from a non-profit credit counselor or consult with a consumer law attorney. If your debts seem overwhelming, discussing the possibility of bankruptcy with an attorney can provide further insight into whether it may be a suitable option for your situation. Before agreeing to any settlement, ensure that you can realistically afford the proposed payment plan and obtain written confirmation of the settlement terms. While settling can help you avoid legal action, it’s important not to agree to payments that you won’t be able to maintain. To make informed decisions, it’s advisable to seek assistance and fully understand your rights and options.

If 8778173727 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 8778173727 is a collection company, the first step is to request written confirmation to validate the debt. Carefully review the validation for any inaccuracies in personal details or debt information. If there are any inaccuracies, send a written dispute to the collection agency, stating that the debt is inaccurate according to the Fair Credit Reporting Act, and demand removal from your credit file.

If the debt is verified as valid, there are a few active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, settling 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 as a gesture of goodwill, although this doesn’t guarantee removal without a formal agreement. Alternatively, you can hire a credit repair service to dispute the debt on your behalf and provide legal resources for removal.

If none of these options work, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. Additionally, you have the option to file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consulting a consumer law attorney may also be helpful in reviewing if the collector broke laws, allowing you to potentially sue for removal and damages. Remember to keep detailed written records of all your efforts to resolve the disputed collection account.