855-343-7888

What Company Is Calling Me From 855-343-7888? Are They A Scam And Why Are They Calling Me?

First, find out who is calling you from 855-343-7888. The company is ER Solutions, a debt collector. They might be trying to collect a debt you owe. If you’re not sure about the debt, ask ER Solutions to validate it. They use robocalls and recorded messages, and you can ask to be on their do-not-call list. Be aware that some users report this may not stop the calls. If ER Solutions breaks the rules under the Fair Debt Collection Practices Act, you might be eligible for money damages; consult legal advice for such situations.

How Can I Block Or Stop Calls From 855-343-7888?

To block or stop calls from 855-343-7888, first determine if the call is from a debt collector. Let unknown calls go to voicemail and do not answer directly. Once you’ve identified the call as a collector, take action to block the number. Contact your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, send a cease and desist letter via certified mail demanding the collector stops calling. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

To address any underlying debt, consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Monitor voicemail messages from identified collectors to stay informed on the situation. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-343-7888 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) safeguards consumers from unfair or abusive debt collection practices. If you are receiving calls from 855-343-7888, it is crucial to comprehend your rights under this act. Document the details of the calls, such as date, time, frequency, and content, to have evidence of any potential violations.

Assert your rights by revoking consent for calls outside of normal hours, requesting they cease contact at your workplace, and sending a cease and desist letter via certified mail. If the calls continue, consider contacting the Consumer Financial Protection Bureau to open an investigation or consulting a consumer protection attorney for guidance on further action.

Maintaining detailed records and standing up for your rights is essential to prevent harassment from debt collectors. If you believe the calls are violating the FDCPA, take action to protect yourself and your rights as a consumer.

If 855-343-7888 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 855-343-7888 and suspect it is a debt collector, follow these steps to validate the debt and explore your options. First, request written validation of the debt by sending a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Next, carefully review the validation for accuracy. Verify your personal details, the creditor 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 the debt is validated, consider negotiating a settlement or payment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange.

If the collector violates FDCPA regulations, assert your rights and consider consulting a non-profit credit counseling agency for guidance on negotiating debt resolution. In extreme cases, 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. If the collector continues to contact you outside FDCPA guidelines, revoke any prior verbal or written permission given to them.

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 855-343-7888 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-343-7888 is a debt collector contacting you, they can sue you for the amount owed and potentially garnish your wages or bank accounts. To avoid legal action, try negotiating affordable payments, asserting your inability to pay, seeking guidance from a credit counselor, or hiring an attorney. Before settling, make sure the terms are realistic and affordable, and get any agreements in writing. Always document your efforts and communications to have a clear record. Seek assistance to understand your options and rights before agreeing to any settlement.

If 855-343-7888 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-343-7888 is a collection company, you can remove it from your credit report by first validating if the debt is legitimate. Request written confirmation of the debt and review it carefully for accuracy. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment and requesting deletion, or hiring a credit repair service to dispute the debt on your behalf. You can also wait for the 7-year credit reporting time limit to pass, file a complaint with the Consumer Financial Protection Bureau, or consult a consumer law attorney to review your case.

Maintain detailed written records of your efforts to resolve the disputed collection account, and focus first on determining if the debt is legitimate before taking action. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 855-343-7888?

Many people leave negative feedback about the phone number 855-343-7888, which is associated with ER Solutions, a debt collection agency. Users often complain about receiving automated calls from this number, claiming to be a collection agency. Some individuals do not owe any debt and have tried to stop the calls using various methods.

Feedback is primarily negative, with users expressing annoyance and stating they do not owe any debt or have already paid off their debt. Some users have tried to stop the calls by asking to be added to the do-not-call list, but this may not always be effective. To avoid unwanted calls, let unknown calls go to voicemail and do not answer directly.

To address this issue, users can block the number through phone carrier, call blocking apps, or smartphone settings. Sending a cease and desist letter via certified mail and checking for state-specific laws can also help stop the calls. Consulting a non-profit credit counselor or consumer protection attorney to address the underlying debt and potential violations is another recommended step.

Monitoring voicemail messages from identified collectors can help users stay informed on the situation. Requesting written validation of the debt through a debt validation letter is also a crucial step in addressing the issue. Overall, users should remain proactive and informed when dealing with calls from debt collection agencies like ER Solutions.