855-878-9525

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What Company Is Calling Me From 855-878-9525? Are They A Scam And Why Are They Calling Me?

When you receive a call from 855-878-9525, it is most likely a scammer posing as a debt collector or telemarketer. They may claim to be from Synchrony Bank or Venmo and mention unpaid debts, past due amounts, or fraudulent activity. To protect yourself, do not answer calls or provide any information from this number. If you have already received a call, block the number and consider sending a cease and desist letter. To address any underlying debt, consult a credit counselor or attorney and monitor your voicemails. If the debt is legitimate, request validation, dispute errors, and negotiate a settlement or payment plan. If you suspect legal action, consult professionals and document all interactions. If the debt is invalid, work to remove it from your credit report by validating the debt and disputing inaccuracies, or seek credit repair assistance. Remember, scam calls from 855-878-9525 often originate from India or the Philippines, so be cautious and report any suspicious calls.

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If 855-878-9525 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 855-878-9525 is a debt collector, ask them directly and request written validation of the debt. Send a debt validation letter by mail, as they are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA). Once you have the validation, review it for accuracy and dispute any incorrect information in writing.

After validating the debt, consider the following options:

1. Negotiate a reasonable settlement or payment installment plan in writing before making any payment.
2. Offer a 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.
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.

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 855-878-9525 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-878-9525 is a debt collector, they could potentially sue you or garnish your wages if you owe a legitimate debt. To avoid legal action, negotiate affordable payments in writing, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before agreeing to settle, make sure the proposed payment plan is affordable, get any settlement terms in writing, be aware a collector can still sue if you default on a settlement, and avoid settling for a lump sum you can’t afford. Seek assistance to understand your options and rights first.

Scam calls posing as debt collectors often target personal and financial information from India or the Philippines. To block and avoid such calls, do not answer or provide information, block the number, and send cease and desist letters. Address the underlying debt by consulting a credit counselor or attorney, monitor voicemails, and assert your rights under the Fair Debt Collection Practices Act (FDCPA).

To remove the debt from your credit report, validate the debt, dispute inaccuracies, and seek credit repair assistance. Be cautious of 855-878-9525, as there are mixed reviews, mostly negative, with scam calls reported, often originating from India and the Philippines.

If 855-878-9525 Is A Collection Company, How Can I Remove It From My Credit Report?

If you suspect that 855-878-9525 is a collection company, the first step is to validate the debt by requesting written confirmation. Carefully review the validation to ensure your personal details and the debt information are accurate. 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 collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. You can also hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Another option is to wait out the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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

What Feedback And Comments Do People Leave About 855-878-9525?

People who have received calls from the phone number 855-878-9525 have left mixed feedback, with six negative ratings and one positive rating. Many users have reported calls from debt collectors, telemarketers, and companies. Some of these calls have been suspected as scams, with callers not revealing their identity and asking for sensitive information like login credentials, Social Security numbers, and bank account details. Scammers have also offered settlement deals and claimed that users’ accounts were frozen due to fraudulent activity. The calls appear to come mostly from India and the Philippines. It is recommended not to share personal information with unknown callers and to report any suspicious calls to the appropriate authorities.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE