877-251-9606

What Company Is Calling Me From 877-251-9606? Are They A Scam And Why Are They Calling Me?

The phone number 877-251-9606 belongs to American First Finance, a financial services company. While some users report receiving legitimate debt collection calls from this number, others claim it’s a scam or spam. Always be cautious when receiving unknown calls and never share sensitive information without confirming the caller’s identity and intentions. The Fair Debt Collection Practices Act (FDCPA) safeguards your rights in these situations. You can request debt validation, negotiate settlements, payment plans, or seek legal assistance. Additionally, you can remove unwanted calls from your credit report and block them. Addressing negative feedback and consumer concerns can help improve the situation.

How Can I Block Or Stop Calls From 877-251-9606?

To block or stop calls from 877-251-9606, first, identify if it’s a debt collector by letting unknown calls go to voicemail. If confirmed, contact your phone carrier to permanently block the number. Alternatively, use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, formally request no further contact by sending a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Lastly, get help addressing the underlying debt by consulting a non-profit credit counselor to negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 877-251-9606 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 877-251-9606 may be involved in debt collection practices, and it is crucial to verify its legitimacy and ensure compliance with the Fair Debt Collection Practices Act (FDCPA). As a consumer, you have rights and protections under this act, such as not being called outside of the allowed hours (8 am to 9 pm) in your time zone.

If you suspect a violation, document the details of the calls, including date, time, frequency, phone number, and any collected information. You can take action by revoking consent for calls outside normal hours, requesting no contact at your workplace, sending a cease and desist letter, or verbally asking them to stop during any conversation.

Report any violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, contact your state Attorney General’s office, or seek guidance from a credit counselor. By asserting your rights and adhering to the FDCPA, you can prevent harassment from debt collectors.

If 877-251-9606 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 877-251-9606 and the caller claims to be a debt collector, it is essential to verify their legitimacy and the debt they are claiming. The first step is to request written validation of the debt, which is legally required under the FDCPA. Carefully review the documentation for accuracy, and dispute any incorrect or unrecognized information in writing.

Once the debt has been validated, consider the following options:

1. Negotiate a reasonable settlement or payment plan in writing before sending any payment.
2. Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report.
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 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. Always prioritize confirming the debt’s validity and exercising your consumer rights under federal and state law to determine the best path to resolution. Seek professional help when necessary to ensure a fair outcome.

Can 877-251-9606 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is contacting you about a legitimate debt, they can potentially sue you and garnish your wages to recover the owed amount. To avoid legal action, try negotiating an affordable lump-sum or installment payment plan in writing, stating your inability to pay and requesting they cease contact. You can also seek guidance from a non-profit credit counselor or hire a consumer law attorney. Bankruptcy might be an option if debts are overwhelming.

Before deciding to settle, make sure the payment plan is manageable, get any settlement terms in writing, and be aware that the collector could still sue if you default on a settlement. Settling might be a practical solution to avoid legal action, but ensure you don’t agree to payments you can’t maintain. Seek help to understand your options and rights before making any decisions.

If 877-251-9606 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-251-9606 is a collection company, the first step is to validate if the debt is legitimate by requesting written confirmation. 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. Demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate 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, or hire a credit repair service to formally dispute the debt on your behalf.

Alternatively, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages. Keep detailed written records showing your efforts to resolve the disputed collection account.

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 877-251-9606?

People who receive calls from 877-251-9606 often leave feedback and comments related to debt collection from American First Finance. These calls are usually made when someone misses a payment and aim to set up a payment arrangement. While some users find these calls annoying, they are legitimate as long as they follow the rules of the Fair Debt Collection Practices Act (FDCPA).

To address negative feedback, it is important to verify the caller’s identity and intentions. If the call is from American First Finance, consumers can protect their rights by requesting debt validation, negotiating settlements, or seeking legal assistance. They can also work on removing calls from their credit report and blocking unwanted calls. By following these steps and being aware of their rights under the FDCPA, users can better manage their debt collection experiences and handle calls from 877-251-9606.