You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE

What Company Is Calling Me From 844-871-9487? Are They A Scam And Why Are They Calling Me?

The phone number 844-871-9487 belongs to Integrated Recovery Services Inc., a legitimate debt collection agency. However, they have been accused of aggressive and potentially fraudulent tactics. If you receive a call from this number, verify the information provided and exercise caution. The company has an “F” rating with the Better Business Bureau and has been reported for contacting people about debts they did not owe. Be cautious of scam calls, report negative experiences, and consult a consumer law attorney if necessary. Remember your rights as a consumer when dealing with debt collection agencies and protect your credit report by validating debt legitimacy, disputing incorrect information, and considering a pay-for-delete agreement.

How Can I Block Or Stop Calls From 844-871-9487?

If you’re receiving calls from the number 844-871-9487, which is linked to Integrated Recovery Services Inc., a debt collection agency with an F rating from the BBB, it’s crucial to take some steps to protect yourself and your finances. First, determine if the call is from a debt collector. Let unknown calls go to voicemail and don’t engage with them directly. If you identify it’s a debt collector, take action to stop further calls. Contact your phone carrier to block the number or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, formally request no further contact by sending a cease and desist letter via certified mail. This will demand that the collector stops calling you. Check if your state has specific laws that prohibit collection calls without written notice and use those rights to your advantage.

While blocking calls can stop harassment, it’s essential to address any outstanding debts. Consult a non-profit credit counselor to help negotiate the resolution of the debt. If you believe the collector is violating regulations, consider speaking to a consumer protection attorney regarding your rights and potential lawsuits.

Remember, blocking calls does not eliminate any legitimate debts owed. By taking proactive steps to stop harassment and address any outstanding debts, you can protect yourself from further issues and ensure your financial well-being.

Is 844-871-9487 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is in place to protect consumers from unfair and abusive debt collection practices. If you’re receiving calls from the number 844-871-9487, associated with Integrated Recovery Services Inc., you have rights to protect yourself.

To determine if the calls are violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Note if they call outside the allowed hours of 8 am – 9 pm in your time zone, call repeatedly over a short period, or use abusive language.

Assert your rights by revoking any prior consent given to call outside normal hours, requesting they cease contact at your workplace, sending a cease and desist letter, or verbally asking them to stop calling during any conversation. Report any violations with documentation to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Additionally, you can ask an experienced credit counselor for advice on addressing the debt without incurring further collection calls. Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 844-871-9487 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 844-871-9487 is a debt collector, you can validate the debt and protect yourself by following these steps. First, request written validation from the collector, which is required under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, disputing any incorrect or unrecognized information in writing.

Next, consider negotiating a reasonable settlement or payment plan in writing. You may offer a partial payment of 30-50% of the balance if affordable, requesting deletion from your credit report in exchange. Be sure to assert your rights under the FDCPA if the collector violates regulations.

To further protect yourself, consult a non-profit credit counseling agency for guidance on negotiating debt resolution or contact 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 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 844-871-9487 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 844-871-9487 is a debt collector from Integrated Recovery Services Inc., they could potentially sue you or garnish your wages if the debt is legitimate. To avoid legal action, consider the following steps:

1. Negotiate an affordable lump sum or installment payment in writing to show good faith effort.
2. Assert your inability to pay and request they cease contact.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy if debts are truly overwhelming.
6. Thoroughly document calls, letters, and your efforts to address the debt.

Before agreeing to settle, ensure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing, and be aware that the collector can still sue if you default on a settlement. Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 844-871-9487 Is A Collection Company, How Can I Remove It From My Credit Report?

If you have received a call from 844-871-9487 and suspect it is from a debt collection company, it is crucial to verify the debt’s legitimacy. Request written confirmation from the collector, reviewing the details carefully to ensure accuracy. If any information is incorrect, dispute the debt in writing, stating it is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider the following steps to potentially remove it from your credit report:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. 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. However, focus first on determining if the debt is legitimate before taking any action.

What Feedback And Comments Do People Leave About 844-871-9487?

People have left negative feedback and comments about the phone number 844-871-9487, as it is associated with scam calls. Callers claim to be processors or couriers for various counties, informing recipients of a pending court appearance and requiring them to sign legal documents to avoid it. The phone number is linked to Integrated Recovery Services Inc., which has a negative reputation. Callers lack specific details, leading to suspicion. The feedback suggests caution when receiving calls from this number.

In a nutshell, it is essential to exercise caution when receiving calls from this number, as it is linked to a debt collection agency with a negative reputation. To protect your rights as a consumer, verify the information, and consider sending a cease and desist request to halt further communication. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) to assert your rights, document any violations, and consult an attorney or credit counselor for guidance.

To validate the debt, send a debt validation letter requesting proof of the debt within five days of receiving the call. Review the validation, negotiate a settlement or payment plan, and avoid legal action by staying informed and documenting the process. Additionally, monitor your credit report for any inaccuracies or inconsistencies, and dispute any incorrect information.

Be aware of scam calls and report any negative experiences to relevant authorities. Consult a consumer law attorney if needed, and remember to block the number to avoid further unwanted communication.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE