855-303-9287

What Company Is Calling Me From 855-303-9287? Are They A Scam And Why Are They Calling Me?

The company calling from 855-303-9287 is RP Services, which is involved in debt collection activities. It’s essential to verify the debt’s validity and the company’s identity before engaging in any conversation. To do this, request written verification of the debt, as required by the Fair Debt Collection Practices Act (FDCPA). Ensure your personal information is protected and remain vigilant during any debt collection call. If unsure about the legitimacy of the caller, research the company and understand your rights under the FDCPA.

How Can I Block Or Stop Calls From 855-303-9287?

To stop calls from 855-303-9287, first determine if the unknown number is a debt collector by letting the calls go to voicemail and checking any messages left. Then, contact your phone carrier to block the number permanently. Alternatively, use call blocking apps like Nomorobo or Hiya, which automatically block and filter the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked. Additionally, send a cease and desist letter via certified mail demanding no further calls. Consult a non-profit credit counselor to negotiate debt resolution and understand your rights under the Fair Debt Collection Practices Act (FDCPA). If needed, speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Is 855-303-9287 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 855-303-9287 is connected to RP Services, a debt collection agency. Under the Fair Debt Collection Practices Act (FDCPA), you have certain rights and protections as a consumer when it comes to debt collection calls. Documenting potential FDCPA violations, such as the frequency and details of the calls, is crucial.

Asserting your rights is essential to prevent harassment. You can revoke any prior consent for calls outside of the allowed hours of 8am-9pm in your time zone, request they cease contact at your workplace, send a cease and desist letter via certified mail, or verbally request them to stop calling during a conversation.

If you believe there have been FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult a consumer protection attorney for guidance on your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for assistance as well.

To address the debt without further collection calls, consider contacting an experienced credit counselor for guidance. Adhering to the FDCPA is mandatory for collectors, so keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 855-303-9287 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 855-303-9287 and the company is identified as RP Services, a debt collection agency, it’s crucial to validate the debt and your rights under the Fair Debt Collection Practices Act (FDCPA). To do this, you can:

1. Formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA.
2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
3. 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 855-303-9287 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-303-9287 is a debt collector, they may sue you or garnish your wages if you owe a legitimate debt. To avoid legal action, you can negotiate affordable payment plans, assert your inability to pay, seek guidance from a credit counselor or attorney, and explore bankruptcy as an option. Before settling, ensure the payment plan is realistic and get any agreements in writing. 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 855-303-9287 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-303-9287 is a collection company, the first step is to verify if the debt is legitimate by requesting written confirmation from the collector. Ensure the details in the validation are accurate. If any information is incorrect, dispute the debt in writing, stating it’s inaccurate according to the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector confirms the debt is valid, consider taking these actions to potentially remove it:

– Negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for removal.
– Offer a good faith partial settlement payment and request deletion as a goodwill gesture, although they aren’t obligated to remove it without a formal agreement.
– Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.
– Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
– File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
– Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.
– Maintain detailed written records showing your efforts to resolve the disputed collection account.

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

What Feedback And Comments Do People Leave About 855-303-9287?

People often leave negative feedback and comments about the phone number 855-303-9287, primarily due to it being a debt collector robocall. Users complain about the high frequency of these calls and the unsolicited nature of the calls. They mention that the robocaller immediately states they are a debt collector and requests a call back. Some users have also reported that the number’s system can bypass being blocked and leave a voicemail. To address this issue, people are looking for ways to block these unwanted calls. The number has a negative rating, with 23 users rating it negatively, 2 users positively, and 1 user neutrally.

To handle calls from 855-303-9287, ensure the debt’s validity and company’s identity before engaging further. Request written verification of the debt, as per the Fair Debt Collection Practices Act (FDCPA). Identify if the unknown number is a debt collector by letting calls go to voicemail and listening to messages. Block the number through your phone carrier or use call blocking apps to prevent further calls. Send a cease and desist letter via certified mail and keep records of calls to demonstrate harassment. Consult a non-profit credit counselor or attorney to address the underlying debt and understand your rights. Familiarize yourself with FDCPA protections and rights for consumers during debt collection calls. Document potential FDCPA violations: date, time, frequency, phone number, and details. Assert your rights: revoking consent for outside hours, cease contact at the workplace, cease and desist letter, verbal request.