877-215-8120

What Company Is Calling Me From 877-215-8120? Are They A Scam And Why Are They Calling Me?

First, you should know that the phone number 877-215-8120 is linked to Global Payments, a payment processing company. Nevertheless, many people have reported this number being used for debt collection, leading to suspicions of scams or telemarketing calls. When you get a call from this number, it’s best not to give out personal information and report the call to the FTC or your state’s attorney general’s office. Ultimately, always be cautious and vigilant when receiving calls from unknown numbers, and make sure to protect your personal information.

How Can I Block Or Stop Calls From 877-215-8120?

First, identify if the calls are 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 permanently. Alternatively, use call blocking apps or set contacts not in your address book to go straight to voicemail.

To stop further contact, send a cease and desist letter via certified mail, demanding no more calls. Check your state’s laws on collection calls without written notice and use those rights in your letter. Keep records of all calls to show a pattern of harassment if considering legal action.

Address any outstanding debts by consulting a non-profit credit counselor to help negotiate debt resolution. You can also consider speaking to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 877-215-8120 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 877-215-8120 and believe they are violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to document the details of the calls, such as date, time, frequency, phone number, and call content. You can protect your rights by revoking any prior consent for calls outside normal hours, formally requesting them to stop calling your workplace if prohibited, and sending a cease and desist letter via certified mail. During any conversation, you can also verbally request them to stop calling. If harassment continues, report any violations with documentation to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to discuss your rights and options, including suing for damages. Contact your state Attorney General’s office for guidance if you suspect FDCPA violations have occurred. Additionally, ask a credit counselor for advice on addressing the debt without incurring further collection calls. Adhering to the FDCPA is necessary for any collector contacting you, and maintaining detailed records can help prevent further harassment from debt collectors.

If 877-215-8120 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-215-8120 is a debt collector, it’s crucial to validate the debt and explore your options. To validate the debt, send a debt validation letter by mail, requesting written verification of the debt, including your personal details, creditor name, account number, and amount owed. Carefully review the validation and dispute any inaccuracies.

Once validated, consider the following options:

1. Negotiate a settlement or payment installment plan in writing, offering to pay 30-50% of the balance if affordable. Request deletion from your credit report in exchange.
2. Assert your rights under the FDCPA if the collector violates regulations.
3. Consult a non-profit credit counseling agency for guidance on debt resolution.
4. Seek legal advice from an attorney to explore bankruptcy or potential legal action against the collector.
5. Keep detailed records of all correspondence and calls for potential complaints.
6. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Verify the debt’s legitimacy, exercise your consumer rights under federal and state law, and seek professional help to ensure a fair outcome.

Can 877-215-8120 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 877-215-8120 is a debt collector, they 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, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to demonstrate good faith effort to pay.
2. Assert inability to pay and request they cease contact, which may prevent a lawsuit, 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; consult an attorney to discuss appropriateness.
6. Thoroughly document calls, letters, and your efforts to address the debt for 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 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 877-215-8120 Is A Collection Company, How Can I Remove It From My Credit Report?

If you suspect 877-215-8120 is a collection company, the first step is to verify the debt by requesting written confirmation. Ensure the details are accurate, and if there are any inaccuracies, dispute the debt in writing as per the Fair Credit Reporting Act. If the debt is valid, negotiate a pay-for-delete agreement, offer a good faith settlement, or consider hiring a credit repair service. You can also wait for the debt to fall off your report after seven years. If the collector violates laws or refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau and consult a consumer law attorney. Keep detailed records of your efforts to resolve the issue.

What Feedback And Comments Do People Leave About 877-215-8120?

When people leave feedback and comments about the phone number 877-215-8120, they often discuss their experiences with the calls they have received. Many users report receiving numerous calls from this number, with some even mentioning hangups and requests to stop the calls. Additionally, some individuals claim that the number is associated with scams, raising suspicions and concerns among the public.

To address these concerns, it is crucial to protect personal information when dealing with calls from unknown numbers like 877-215-8120. If you suspect a call to be a scam or telemarketing, report it to the authorities immediately. Furthermore, it is essential to identify if the call is from a debt collector, block the number, and send a cease and desist letter to demonstrate harassment.

In cases where you are dealing with a debt collector, consult a non-profit credit counselor or attorney to negotiate debt resolution and protect your rights under the Fair Debt Collection Practices Act (FDCPA). Request written validation of the debt, dispute inaccuracies, and negotiate settlement terms or seek legal action if necessary.

Another option is to validate the legitimacy of the debt, dispute inaccurate information, and negotiate a pay-for-delete agreement. If this doesn’t work, consider hiring a credit repair service to help improve your credit score and resolve any issues related to the debt.

In conclusion, while phone number 877-215-8120 is associated with Global Payments and is often used for debt collection, it is essential to remain vigilant and cautious when dealing with calls from unknown numbers. Always prioritize protecting your personal information and reporting any suspicious calls to the appropriate authorities.