866-259-5318

What Company Is Calling Me From 866-259-5318? Are They A Scam And Why Are They Calling Me?

The phone number 866-259-5318 is linked to Regional Acceptance, a loan company that makes calls for debt collection purposes. Some individuals have reported that the company frequently calls, even if the person does not answer the initial call and it’s about someone else’s debt. While some people believe the company might be a scam, there is no clear evidence in the given context to support this claim. If you are receiving undesired calls from this number, report it to the Federal Trade Commission’s Do Not Call registry and consider taking action under the Fair Debt Collection Practices Act if your rights have been violated. To deal with unwanted calls, determine if it’s a debt collector, block further calls, make a formal request for no more contact, get help addressing the underlying debt, understand the FDCPA protections for consumers against debt collection harassment, and document details of calls, including frequency, time, and language used.

How Can I Block Or Stop Calls From 866-259-5318?

If you’re receiving calls from the number 866-259-5318, it’s crucial to identify if it’s a debt collector. To do this, let unknown calls go to voicemail and avoid answering directly. Once you recognize the calls are from a debt collector, follow these steps to block and manage the situation:

1. Contact your phone carrier to permanently block the number. Most major carriers offer call blocking through customer support or your online account.
2. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
3. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

After blocking the calls, formally request no further contact by sending a cease and desist letter via certified mail demanding no further calls. 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. Remember, blocking calls does not eliminate any legitimate debts owed. By taking proactive steps, you can stop harassment while addressing any outstanding debts.

Is 866-259-5318 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 866-259-5318 is associated with a regional loan company that uses this number for debt collection calls. If you’re receiving unwanted calls from this number, it’s important to understand your rights under the Fair Debt Collection Practices Act (FDCPA). To document potential FDCPA violations, record the date, time, frequency, phone number, and details of all calls. Note if they call outside of the allowed hours of 8am – 9pm in your time zone, or if they repeatedly call over a short period. Also, log any abusive, threatening, or obscene language used on calls.

Assert your rights by revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace if prohibited, sending a cease and desist letter via certified mail, and verbally requesting they stop calling during any conversation. If you believe FDCPA violations have occurred, report the violations with documentation to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance. You can also ask an experienced credit counselor how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 866-259-5318 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 866-259-5318 is a debt collector, it is crucial to validate the debt to ensure its authenticity and understand your rights under the Fair Debt Collection Practices Act (FDCPA). To do this, send a debt validation letter by mail to the collector. They are legally obligated to provide this information.

Once validated, consider the following options: negotiate a lump-sum settlement or payment installment 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. Formally assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on debt resolution or contact an attorney to explore bankruptcy or legal action against the collector.

Maintain detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. Remember, never ignore a potential debt collector. Always confirm the debt’s validity 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 866-259-5318 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 866-259-5318 is a debt collector, they can sue you and potentially garnish your wages if they obtain a court judgment for a legitimate debt. To avoid legal action, you can negotiate a payment plan, assert your inability to pay, request they cease contact, seek credit counseling, hire an attorney, or consider bankruptcy if debts are overwhelming.

Before settling on a payment plan, make sure it’s affordable based on your budget and get any settlement terms or agreements in writing. Be cautious, as a collector can still sue if you default on a settlement, and settling for a lump sum you can’t afford may cause long-term financial harm. Seek assistance to understand your options and rights before agreeing to any settlement.

If 866-259-5318 Is A Collection Company, How Can I Remove It From My Credit Report?

If 866-259-5318 is a collection company, the first step is to verify if the debt is legitimate by requesting written confirmation from the collection agency. Review the validation carefully to ensure your personal details and the debt information is 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. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources to assist in getting it removed is another option.

Another choice is to wait for 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 866-259-5318?

People have left comments and feedback about the phone number 866-259-5318, which is associated with Regional Acceptance Corporation in Jacksonville, Florida. Some have reported harassing and annoying calling practices. The company uses this number for debt collection and reference checks, and it is a toll-free number available from Tuesday to Sunday, 9:00 AM to 5:00 PM. Some have also reported robocalls.

To address unwanted calls, report the number to the FTC’s Do Not Call Registry and take action under the Fair Debt Collection Practices Act if rights are violated. Identify if it’s a debt collector: let unknown calls go to voicemail and don’t answer directly. Block further calls: contact your phone carrier, use call blocking apps, set unknown contacts to voicemail or block.

Send a formal request for no further contact: send a cease and desist letter, check state laws, and keep records. Get help addressing the underlying debt: consult a non-profit credit counselor, speak to a consumer protection attorney, and monitor voicemail messages. Understand the FDCPA protections for consumers against debt collection harassment. Document details of calls, including frequency, time, and language used.