844-886-4604

What Company Is Calling Me From 844-886-4604? Are They A Scam And Why Are They Calling Me?

The company calling from 844-886-4604 is TRS Recovery Service, an outsourced debt collector working for TeleCheck. They often call about unsuccessful Walmart check transactions due to encoding errors. Be cautious when dealing with them, as they have been reported to request sensitive information and have been accused of rude behavior. Verify your debt and protect your personal information. While not classified as a scam, it’s essential to report any suspicious activity to authorities and the FTC.

How Can I Block Or Stop Calls From 844-886-4604?

To block or stop calls from 844-886-4604, first determine if it is a debt collector. If it is, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. You can also set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, send a cease and desist letter via certified mail demanding no further calls. Seek help from a non-profit credit counselor to negotiate debt resolution or consult a consumer protection attorney about your rights and potential lawsuits.

Keep in mind that blocking calls does not eliminate any outstanding debts. It is vital to address any owed debts while protecting yourself from harassment.

Is 844-886-4604 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, determine if the number 844-886-4604 is indeed violating the Fair Debt Collection Practices Act (FDCPA). If so, document any potential violations, such as calls outside of allowed hours, excessive frequency, or abusive language. Next, assert your rights by revoking consent for calls outside normal hours, requesting no contact at your workplace, and sending a cease and desist letter.

If the situation persists, report the violations to the Consumer Financial Protection Bureau and consider consulting a consumer protection attorney. You can also contact your state Attorney General’s office for guidance on further steps. Additionally, an experienced credit counselor can help you address the debt without further collection calls.

Above all, it’s essential to understand your rights under the FDCPA and take action to protect yourself from harassment by debt collectors. Keep detailed records and assert your rights to prevent further issues.

If 844-886-4604 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 844-886-4604 is a debt collector, the first step is to validate the debt by requesting written validation from the collector. This is required under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, carefully review it for accuracy, checking your personal details, creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

After validating the debt, consider the following 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, and request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if the collector violates 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.

Remember, 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 844-886-4604 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 844-886-4604 is a debt collector trying to recover a legitimate debt, they could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact. This may prevent suit, but they could still proceed.
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 as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

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 844-886-4604 Is A Collection Company, How Can I Remove It From My Credit Report?

If 844-886-4604 is a collection company, the first step to remove it from your credit report is to verify if the debt is genuine. Request written confirmation from the collector and thoroughly review the validation for accuracy. If any information is incorrect, dispute the debt in writing and demand its removal.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement, or hiring a credit repair service to dispute the debt on your behalf. Another option is waiting for the 7-year credit reporting time limit to pass, after which the collection should automatically fall off your report.

You can also file a complaint with the Consumer Financial Protection Bureau if the collector violates laws or consult a consumer law attorney to review your case. Keep detailed written records of your efforts to resolve the disputed collection account.

Ultimately, proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation. However, always focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 844-886-4604?

People have left various feedback and comments about the phone number 844-886-4604. This number is associated with TRS Recovery Service and TeleCheck, which handle debt collection. Users have reported receiving calls from this number, with some experiencing rude behavior from the callers who demanded banking information. One user claimed the call was about a check written to Walmart that didn’t go through due to encoding errors. Some users suspect the number may be a scam, but there is no definitive evidence. It is advised to be cautious and not provide personal or financial information over the phone unless certain of the caller’s identity.