866-367-6660

What Company Is Calling Me From 866-367-6660? Are They A Scam And Why Are They Calling Me?

First, find out if the company calling you from 866-367-6660 is Apex Financial Management, LLC, a debt collection agency based in Buffalo Grove, Illinois. They have faced numerous legal issues and work on a contingency basis, collecting debts for both first and third parties. If you receive calls from this number, ensure the debt is yours, and if not, request the debt collector to stop communication. If the debt is yours, ask them to stop calling at inconvenient times and keep a record of all communication. Remember, debt collectors are subject to the Fair Debt Collection Practices Act (FDCPA), which protects your rights.

How Can I Block Or Stop Calls From 866-367-6660?

To stop calls from 866-367-6660, first, identify if the call is from a debt collector. Let unknown calls go to voicemail and avoid answering directly. If it’s a debt collector, contact your phone carrier to block the number or use call blocking apps like Nomorobo or Hiya.

Next, send a cease and desist letter via certified mail to formally request no further contact. Keep detailed records of all calls to show a pattern of harassment if considering legal action.

Lastly, consult a non-profit credit counselor or a consumer protection attorney to address the underlying debt. Blocking calls may stop harassment, but it’s essential to handle any outstanding debts proactively.

Is 866-367-6660 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 866-367-6660 may be associated with Apex Financial Management, a debt collection agency that has faced legal issues in the past. Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections and rights regarding debt collection calls. If you receive calls from this number, verify the debt is yours and request the collector to stop communication if it is not. If the debt is yours, maintain a record of all communication, and be aware of your rights under the FDCPA. To ensure compliance with the FDCPA, keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 866-367-6660 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt from the number 866-367-6660, first determine if the caller is a debt collector. If they are, follow these steps:

1. Request written validation of the debt by mailing a debt validation letter to the collector, as required under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy, disputing any incorrect or unrecognized information in writing and requesting removal from your credit report.

Once validated, consider these 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 in exchange.
– Assert your rights under the FDCPA if the collector violates regulations.
– Consult a non-profit credit counseling agency for guidance on debt resolution.
– Contact an attorney to explore bankruptcy or legal action against the collector.
– Keep 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. Confirm if the debt is valid, exercise your consumer rights, and seek help from professionals to ensure a fair outcome.

Can 866-367-6660 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is calling about a legitimate debt, they could potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, consider the following steps:

1. Negotiate an affordable lump-sum or installment payment plan in writing to show good faith effort to pay.
2. Assert your inability to pay and request they cease contact. This may prevent them from suing, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy if debts are truly overwhelming; consult with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt to have a clear record.

Before agreeing to settle, carefully consider:

1. Ensure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware that a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

Settling is often a viable option to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 866-367-6660 Is A Collection Company, How Can I Remove It From My Credit Report?

First, find out if 866-367-6660 is a collection company by validating the debt. Request written confirmation and check for accurate personal details and debt information. If any data is incorrect, send a written dispute to the collection agency, stating the debt is inaccurate according to the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, try 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 is another option.

Waiting for the 7-year credit reporting time limit to pass is another approach, as the collection will 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.

Keep detailed written records of your efforts to resolve the disputed collection account, and persist in your actions to remove the collection from your credit report. Through diligence and proper documentation, you can successfully resolve this issue.

What Feedback And Comments Do People Leave About 866-367-6660?

People have left various comments and feedback about the phone number 866-367-6660, which is associated with Apex Financial, a debt collection company. Many individuals report receiving multiple calls daily, often inquiring about someone they do not know. Concerns have been raised about the number potentially being a scam or a credit collection agency looking for the wrong person. Apex Financial operates on a contingency basis, buying old charged-off debts from other companies.

Some individuals have reported filing complaints with their local police departments due to the frequency and persistence of the calls. It is essential to verify the debt and the legitimacy of the calls from 866-367-6660. If the debt is yours, request the collector to stop communication and maintain a record of all communication while being aware of the FDCPA’s protections. On the other hand, if the debt is not yours, ask them to stop inconvenient calls and consider filing a complaint with the local police department.