844-817-2987

What Company Is Calling Me From 844-817-2987? Are They A Scam And Why Are They Calling Me?

The company calling from 844-817-2987 is LJ Ross Associates, Inc., a debt collection agency. While some reports suggest suspicious calls, LJ Ross Associates is a legitimate company with an A+ rating from the Better Business Bureau. If you believe the calls are a scam, report them to the Federal Trade Commission and your local attorney general. If unsure if you owe any money, demand a debt validation letter and block the number.

To identify if it’s a debt collector, block further calls, and send a cease and desist request. Address the underlying debt, adhere to FDCPA requirements, and request debt validation. Strategies to avoid legal action, consider bankruptcy, and document all efforts throughout the process. Validate debt legitimacy, dispute inaccuracies, and negotiate settlements or pay-for-delete agreements. Consult a consumer law attorney and maintain detailed records throughout the process. Majority of feedback about 844-817-2987 is negative, with users experiencing harassment and scam-like behavior.

How Can I Block Or Stop Calls From 844-817-2987?

If you are receiving calls from 844-817-2987, first identify if the caller is a debt collector. Allow unknown calls to go to voicemail and check the messages left behind. If you recognize the call as coming from a debt collector, you can take steps to block their calls.

Contact your phone carrier to permanently block the number. Most major carriers offer call blocking through customer support or your online account. You can also utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Once you have blocked the number, formally request no further contact. Send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

While blocking calls does not eliminate any legitimate debts owed, taking proactive steps can stop harassment while addressing any outstanding debts. Consult a non-profit credit counselor to help negotiate resolution of the debt, consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations, and do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Is 844-817-2987 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from unfair and abusive debt collection practices. If you’re receiving calls from the number 844-817-2987, make sure to document each call’s details, such as date, time, frequency, and any inappropriate language used. If the calls are outside the allowed hours of 8 am to 9 pm or made repeatedly, you may have grounds for a violation.

To protect your rights under the FDCPA, revoke any prior consent for calls outside normal hours, request that they stop contacting you at work if it’s prohibited, and send a cease and desist letter via certified mail. You can also verbally ask them to stop calling during a conversation.

If you believe the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for assistance. You can also seek guidance from a credit counselor on how to address the debt without further collection calls.

Remember, adhering to the FDCPA is essential for collectors contacting you. Keep detailed records and assert your rights to prevent any further harassment from debt collectors.

If 844-817-2987 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 844-817-2987 is a debt collector, the first step to validate the debt is to request a written validation from them. This is legally required under the Fair Debt Collection Practices Act (FDCPA). Carefully examine the validation for accuracy, checking your personal details, the creditor’s name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request its removal from your credit report.

Once the debt is validated, consider your options. You can negotiate a settlement or payment installment plan in writing before making any payment. Offer partial payment of 30-50% of the balance if affordable, requesting deletion from your credit report in exchange. Remember to assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on debt resolution or an attorney to understand if bankruptcy or legal action against the collector are viable options.

Maintain detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines. The key is to never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 844-817-2987 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 844-817-2987 is a debt collector and the debt is legitimate, they could potentially sue you and garnish your wages. To avoid legal action, try negotiating an affordable payment plan, asserting your inability to pay, or seeking help from a non-profit credit counselor or consumer law attorney. Bankruptcy could also be an option if debts are overwhelming.

Before agreeing to settle, make sure the proposed payment plan is realistic and affordable based on your budget. Get any settlement terms or agreements in writing before making payments. Be aware that collectors can still sue if you default on a settlement. Settling may make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If you suspect the call from 844-817-2987 is a scam, report it to the FTC and local attorney general. Demand a debt validation letter if unsure. Identify if it’s a debt collector, block further calls, and send a cease and desist request. Address the underlying debt, adhere to FDCPA requirements, and request debt validation. Validate debt legitimacy, dispute inaccuracies, and negotiate settlements or pay-for-delete agreements. Consult a consumer law attorney and maintain detailed records throughout the process.

If 844-817-2987 Is A Collection Company, How Can I Remove It From My Credit Report?

First, you need to confirm if the debt is legitimate. Request a debt validation letter from the collector, which is your right under the Fair Credit Reporting Act. If there are any inaccuracies, send a written dispute to the collection agency.

If the debt is confirmed as valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment with a deletion request, or hiring a credit repair service to dispute the debt on your behalf.

If the collector violates any rules, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney. Keep detailed records of your efforts to resolve the disputed collection account. By being proactive, negotiating with collectors, and asserting your rights, you can work towards removing collections from your credit report.

What Feedback And Comments Do People Leave About 844-817-2987?

The feedback and comments about 844-817-2987 are mostly negative, with people complaining about receiving silent calls and harassment from LJ Ross Associates, Inc. These calls typically occur multiple times a day, and the company does not leave any messages. Additionally, users find it difficult to block these calls as the company uses different extensions. There are also suspicions that this number may be linked to scam calls. In conclusion, the number is associated with bothersome calls from LJ Ross Associates, Inc., and users should be cautious when receiving calls from this number.