855-300-7877

What Company Is Calling Me From 855-300-7877? Are They A Scam And Why Are They Calling Me?

The company calling from 855-300-7877 is Pro Timeshare Resales, a timeshare resale company. They have been reported for unwanted calls and are considered a potential scammer or fraudster. The company is a telemarketer trying to sell or rent timeshares with fees for advertising methods. Users have reported rude representatives and hang-ups before the end of conversations. It is advised to be cautious and consider listing your number on the Do Not Call registry.

In a nutshell, be cautious with unsolicited calls from 855-300-7877, as they may be a fraudulent timeshare resale company. Protect yourself by adding your number to the Do Not Call registry and using call-blocking apps to limit unwanted calls. Remember, always be vigilant and cautious when dealing with unknown callers and their requests for personal or financial information.

How Can I Block Or Stop Calls From 855-300-7877?

If you’re receiving unwanted calls from 855-300-7877, which is associated with a potentially fraudulent timeshare resale company, follow these steps to block or stop these calls:

1. Determine if it’s a debt collector: Let unknown calls go to voicemail, and avoid answering them. If a message claims they are attempting to collect a debt, consider it a debt collector.

2. Block the number: Contact your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

3. Set unknown contacts to voicemail: For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

4. Send a cease and desist letter: Demand no further calls through certified mail, invoking any state laws beyond the FDCPA that prohibit collection calls without written notice.

5. Consult a non-profit credit counselor: Negotiate resolution of the debt, and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

6. Keep detailed records: Document all calls to demonstrate a pattern of harassment if considering legal action.

Blocking calls does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-300-7877 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 855-300-7877 is associated with a timeshare resale company, and you might be questioning if they are violating the Fair Debt Collection Practices Act (FDCPA). As a consumer, you have specific protections and rights when it comes to debt collection calls, including those from this number.

To determine if the calls are violating the FDCPA, document the details of each call, such as the date, time, frequency, phone number, and any information discussed. Take note of any calls made outside the allowed hours of 8am-9pm in your time zone, frequent calls within a short period, or abusive language used.

Assert your rights by revoking any prior consent given to call outside normal hours, formally request them to cease contact at your workplace, send a cease and desist letter, and verbally request they stop calling during any conversation.

If you believe violations have occurred, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, contact your state Attorney General’s office, or ask a credit counselor for guidance on addressing the debt without incurring further collection calls.

Adhering to the FDCPA is mandatory for any collector contacting you. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 855-300-7877 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 855-300-7877 is a debt collector, the first step is to validate the debt and understand your options. To do this, send a debt validation letter by mail to request written proof of the debt. The collector is legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Next, review the validation for accuracy. Verify your personal details, the creditor’s name, account number, and amount owed. If any information is incorrect or unrecognized, dispute it in writing and request removal from your credit report.

Once validated, consider negotiating a settlement or payment plan in writing. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Assert your rights under the FDCPA if the collector violates regulations.

Seek guidance from non-profit credit counseling agencies or attorneys to explore options such as bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior permission given to contact you outside FDCPA guidelines.

Always 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 855-300-7877 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-300-7877 is a debt collector, they have the legal right to sue you and garnish your wages if they obtain a court judgment. To avoid such action, consider the following steps:

1. Negotiate a payment plan that you can afford and get it in writing.
2. Inform the collector of your inability to pay and ask them to 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 rights under the FDCPA and state laws.
5. Consider bankruptcy if debts are overwhelming, but consult with an attorney first.
6. Document all calls, letters, and your efforts to address the debt for a clear record.

Before settling, ensure the proposed payment plan is realistic based on your budget, get any settlement terms or agreements in writing, and be aware that a collector can still sue if you default on a settlement. Settling can be a practical option to avoid legal action, but don’t agree to terms you can’t maintain. Seek help to understand your options and rights before making any decisions.

If 855-300-7877 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-300-7877 is a debt collection company, you can remove it from your credit report by following these steps:

1. First, request written confirmation from the collection agency to ensure the debt is legitimate and accurate.

2. Next, send a written dispute to the collection agency if any information is incorrect. You can demand they remove the collection tradeline from your credit file as per the Fair Credit Reporting Act.

3. Another option is to negotiate a pay-for-delete agreement with the collection agency. This requires paying a lump-sum settlement in exchange for removing the debt from your credit report.

4. Alternatively, you can propose a good faith partial settlement, offering a payment in hopes the collection agency will remove the debt as a gesture of goodwill.

5. Hiring a credit repair service is another possibility, as they can dispute the debt on your behalf and provide legal resources to help get it removed.

6. If you wait out the 7-year time limit, the collection account will automatically fall off your report.

7. Filing a complaint with the Consumer Financial Protection Bureau is also an option if the collector violates laws and refuses to remove inaccurate information.

8. Lastly, you can consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

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.

What Feedback And Comments Do People Leave About 855-300-7877?

855-300-7877 has received numerous complaints for its involvement in time-share resale scams and telemarketing calls. Users have reported being charged for unauthorized services after interacting with callers from this number. With 8 user complaints and 309 complaints to the FTC, it is clear that this number is associated with fraudulent activities.

To ensure your safety and protect your personal information, it is vital to exercise caution when receiving calls from this number. Do not share any sensitive information with the callers, and consider using call-blocking apps to limit unwanted calls. Furthermore, it is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations.

If you believe the debt is legitimate, request debt validation, negotiate settlement terms, and exercise your FDCPA rights. In some cases, seeking legal guidance can help you avoid legal action and even consider bankruptcy. To remove the debt from your credit report, validate the debt’s legitimacy, negotiate with the collection agency, and maintain detailed records throughout the process.

Lastly, always be cautious when receiving calls from unknown numbers, and avoid sharing personal or financial information. By following these guidelines, you can protect yourself from scammers and fraudsters associated with 855-300-7877.