877-201-1333

What Company Is Calling Me From 877-201-1333? Are They A Scam And Why Are They Calling Me?

First, find out that the number 877-201-1333 belongs to Flagship Credit Acceptance, a financial services company. They’ve been reported for aggressive debt collection tactics and some have even received scam calls from this number. Always confirm the identity of the caller before revealing personal information. Be aware of your rights under the Fair Debt Collection Practices Act (FDCPA), which protects consumers. If you’re being harassed or treated unfairly, report the violations. Ask for written proof of the debt and work out a settlement or payment plan. Document all interactions and consider seeking legal advice or credit counseling for help. Keep in mind that there are many negative reviews about this company, including complaints about high-pressure tactics and unwanted calls.

How Can I Block Or Stop Calls From 877-201-1333?

To block or stop calls from 877-201-1333, first identify if it is a debt collector. If so, let unknown calls go to voicemail. Contact your phone carrier to 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. If calls continue, send a cease and desist letter via certified mail. Keep detailed records of calls to demonstrate harassment if needed. Address the underlying debt by consulting a non-profit credit counselor or speaking to a consumer protection attorney. Blocking calls won’t eliminate debts, but it can stop harassment while addressing any outstanding debts.

Is 877-201-1333 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, document the details of all calls from 877-201-1333, including date, time, frequency, phone number, and conversation content. If the calls are outside of allowed hours (8 am – 9 pm in your time zone), repeated over a short period, or use abusive language, you may have grounds to complain. To protect your rights, revoke any prior consent for calls outside normal hours, request no further contact at work if prohibited, and send a cease and desist letter via certified mail.

During any conversation, verbally request the collector to stop calling. If you suspect violations, report them to the Consumer Financial Protection Bureau for investigation. Consult with a consumer protection attorney to understand your rights and options, contact your state Attorney General’s office for guidance, or seek advice from a credit counselor on managing the debt without further collection calls. Keep detailed records of all calls and assert your rights to prevent harassment from debt collectors.

If 877-201-1333 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-201-1333 is a debt collector, it is likely associated with Flagship Credit Acceptance, a financial services company. To validate the debt, you should formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA.

Once validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable, request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options. 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.

The key is never ignoring 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 877-201-1333 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector from 877-201-1333, it’s essential to understand your rights and options. If the debt is legitimate, the collector could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, you can:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact. This may prevent suit, 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 as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, consider:

1. Make sure 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 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 often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 877-201-1333 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 877-201-1333 is a collection company by validating the debt’s legitimacy. Request written confirmation from the collector and review it for accuracy. If there are any inaccuracies, send a written dispute stating the debt is inaccurate per the Fair Credit Reporting Act.

If 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. You can also hire a credit repair service to dispute the debt on your behalf or wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to review if you can sue for removal and damages. Keep detailed written records showing your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 877-201-1333?

People often leave negative feedback and comments about the phone number 877-201-1333, mainly due to high-pressure tactics, unwanted calls, and suspicions about it being a scam. This number is associated with financial customer calls and debt collection for Flagship Credit Acceptance, a financial services company. Users have reported being contacted by this number regarding car warranties or car loans they did not purchase, and there are complaints lodged with the Better Business Bureau. To protect yourself from potential scams or high-pressure tactics, it is crucial to verify the caller’s identity before sharing personal information and consider blocking the number. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) protections for consumers and report any violations. Request written validation of the debt and negotiate a settlement or payment plan with the collector. Document all interactions and consider seeking legal advice or credit counseling for assistance. Keep in mind the negative feedback from users and take necessary precautions to avoid potential issues with 877-201-1333.