855-717-7778

What Company Is Calling Me From 855-717-7778? Are They A Scam And Why Are They Calling Me?

ELS CCA, a debt collection company, is calling from 855-717-7778, primarily collecting debts for Verizon and other phone companies. Users have reported receiving multiple calls with no message or garbled noise, and some consider it a scam or telemarketer. The company has an A- rating on the BBB website with 722 complaints and 12 negative reviews.

To verify the legitimacy of unknown callers, let unknown calls go to voicemail and don’t answer directly. Block the number using phone carrier settings, call blocking apps, or smartphone features. Additionally, send a cease and desist letter via certified mail and check state laws for additional protection. Consult a non-profit credit counselor or attorney to negotiate debt resolution and protect rights.

In the end, the Federal Debt Collection Practices Act (FDCPA) provides consumers with protections, so documenting potential violations, asserting rights, and seeking assistance is crucial. Furthermore, request debt validation by mailing a debt validation letter, negotiating a settlement or payment installment plan, and keeping detailed records of correspondence and calls.

How Can I Block Or Stop Calls From 855-717-7778?

If you’re receiving calls from the number 855-717-7778, it is likely from a debt collection company called Els CCA, which collects debts for Verizon and other phone companies. To identify if it is a debt collector, let unknown calls go to voicemail and do not answer directly. Once you identify the caller as a collector, block the number using your phone carrier settings, call blocking apps, or smartphone features.

Send a cease and desist letter via certified mail and check your state laws for additional protection. Consult a non-profit credit counselor or attorney to negotiate debt resolution and protect your rights. Remember, blocking calls does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-717-7778 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from unfair debt collection practices. If you receive a call from the number 855-717-7778, identify if it’s a debt collector by not answering directly and letting it go to voicemail. Block the number using your phone carrier settings, call blocking apps, or smartphone features. If it is a debt collector, send them a cease and desist letter via certified mail and check your state laws for additional protection. Consult a non-profit credit counselor or attorney to negotiate debt resolution and protect your rights. Remember to assert your rights under the FDCPA, document potential violations, and seek assistance when necessary.

If 855-717-7778 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 855-717-7778 and suspect they are a debt collector, follow these steps to validate the debt and understand your options:

1. Request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy, checking your personal details, the creditor’s name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once you have validated 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. Assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance on 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.

Always be proactive when dealing with debt collectors. Confirm the debt’s validity, exercise your consumer rights, and seek professional help to achieve a fair outcome.

Can 855-717-7778 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-717-7778 is a debt collector trying to recover a legitimate debt, they have the legal right to sue you. If they win a court judgment, your wages or bank accounts could be garnished. To prevent legal action, you can negotiate affordable payments, assert your inability to pay and request them to stop contacting you, seek help from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling on a payment plan, ensure it’s realistic based on your budget. Get any settlement terms or agreements in writing before making payments, and be aware that a collector can still sue if you default on a settlement. Settling may be a practical choice to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights before making any decisions.

If 855-717-7778 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’ve been receiving calls from 855-717-7778, it’s crucial to verify if the calls are from a legitimate debt collection company like Els CCA, which collects debts for Verizon and other phone companies. To determine the authenticity of the debt, request written confirmation from the collection agency. If any information in the validation is incorrect, dispute the debt in writing, demanding its removal as per the Fair Credit Reporting Act.

If the debt is legitimate, consider the following options to potentially remove it from your credit report:

1. Negotiate a pay-for-delete agreement in writing with the collector 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.

By persisting with proper documentation and asserting your rights, you can potentially remove collections from your credit report. However, first focus on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 855-717-7778?

855-717-7778 is a phone number linked to ELS CCA, a company that collects debts for Verizon and other phone companies. Users report receiving numerous calls from this number, often with no message left or unclear messages. ELS CCA has an A- rating from the Better Business Bureau, but it also faces many complaints and negative reviews.

To tackle this issue, first, determine if the call is indeed from ELS CCA. If unsure, let it go to voicemail and avoid answering directly. If calls continue, block the number using your phone carrier settings, call blocking apps, or smartphone features.

For further protection, send a cease and desist letter via certified mail and research state laws for additional safeguards. Consulting a non-profit credit counselor or attorney can help with debt resolution and defending your rights. The Fair Debt Collection Practices Act (FDCPA) offers consumers protection against harassment and potential violations.

To manage the situation, request debt validation by sending a debt validation letter, negotiate a settlement, or establish a payment installment plan. Maintain detailed records of all correspondence and calls to have evidence in case of disputes. By following these steps, you can effectively handle the concerns surrounding 855-717-7778 and protect your rights as a consumer.