844-847-6236

What Company Is Calling Me From 844-847-6236? Are They A Scam And Why Are They Calling Me?

The company calling from 844-847-6236 is Trans American Consumer Services, a debt collector. However, there have been reports of scam calls from this number, where the caller falsely claims to be from Transamerica consumer services and demands payment for a supposed debt. It is crucial to verify the legitimacy of any debt collector before sharing personal or financial information. You can report suspicious calls to help identify the source, and consider using services like Nomorobo to block unwanted calls. Additionally, 888-868-2017 is also associated with Trans American Consumer Services and has been reported as a scam call.

How Can I Block Or Stop Calls From 844-847-6236?

First, identify if the unknown number is indeed a debt collector by letting the call go to voicemail. If a message states they are attempting to collect a debt, take action to block further calls. Contact your phone carrier to block the number, and use 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.

Next, formally request no further contact by sending 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 invoke those rights in your letter. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Lastly, address the underlying debt by consulting a non-profit credit counselor to help negotiate resolution of the debt. If necessary, speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 844-847-6236 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 844-847-6236 is connected to Trans American Consumer Services, a debt collection agency. Under the Fair Debt Collection Practices Act (FDCPA), you have rights as a consumer when it comes to debt collection calls. If you think the collector is violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Monitor if they call outside allowed hours, repeatedly call over a short period, or use abusive language.

To assert your rights, revoke any prior consent given for calls outside normal hours, request no further contact at your workplace, send a cease and desist letter, and verbally ask them to stop calling during any conversation. Report any violations to the Consumer Financial Protection Bureau and consider consulting with a consumer protection attorney or contacting your state Attorney General’s office for guidance.

Maintain detailed records and exercise your rights to prevent further harassment from debt collectors.

If 844-847-6236 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 844-847-6236 is a debt collector and validate the debt, follow these steps:

1. First, confirm if the caller is indeed Trans American Consumer Services, a debt collection agency.
2. Next, request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).
3. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
4. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider these options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable. Request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if they violate regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring 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 844-847-6236 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 844-847-6236 contacts you, they have the legal right to sue you to recover the amount owed. If they win a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can negotiate a payment plan, assert inability to pay, request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling, ensure the payment plan is affordable based on your budget, get any settlement terms or agreements in writing before making payments, be aware a collector can still sue if you default on a settlement, and avoid settling for a lump sum that you can’t afford as it may do more long-term financial harm.

In a nutshell, it’s essential to know your rights under the FDCPA, negotiate with the debt collector, and seek assistance to navigate your options effectively.

If 844-847-6236 Is A Collection Company, How Can I Remove It From My Credit Report?

If 844-847-6236 is a collection company, you can remove it from your credit report by following these steps:

1. Request written confirmation from the collector to ensure the debt is legitimate and your personal details are accurate.

2. If any information is incorrect, send a written dispute to the collection agency, demanding they remove the collection tradeline from your credit file.

3. Negotiate a pay-for-delete agreement in writing with the collector or offer a good faith partial settlement payment in exchange for deletion.

4. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.

5. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

6. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.

7. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

8. Keep detailed written records showing your efforts to resolve the disputed collection account.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation. Make sure to focus first on determining if the debt is legitimate before taking any action.

What Feedback And Comments Do People Leave About 844-847-6236?

People often leave feedback and comments about the phone number 844-847-6236, which is associated with Trans American Consumer Services and debt collection purposes. Users report receiving calls about payday loans they’ve already paid, while others suspect scams under different names like Tacs Cacs or Transamerica Consumer Services. To stay protected, be cautious about sharing personal or financial information and report suspicious calls to identify sources. Remember the Fair Debt Collection Practices Act (FDCPA) protections for consumers and assert your rights. Request written validation of the debt, negotiate a settlement or payment plan, and consider legal action or bankruptcy if necessary. Keep detailed records of communication and verify debt legitimacy. To block robocalls, use services like Nomorobo, and report potential scams to authorities.