877-298-1345

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What Company Is Calling Me From 877-298-1345? Are They A Scam And Why Are They Calling Me?

The company calling from 877-298-1345 is Global Lending/Resurgent Auto Finance, a financial services provider. Some users have reported receiving calls even if they are not customers, leading to suspicions of it being a scam. However, there is no concrete evidence to suggest the company is a scam. Financial services companies often call customers to discuss loan payments or account-related matters. To verify the legitimacy of a call, hang up and call the company back using the number on their official website.

To ensure your protection, familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA). This may involve verifying the call’s legitimacy, blocking the number, sending cease and desist letters, or consulting legal counsel. Always call the company back using the official number provided on their website to speak with a legitimate representative.

How Can I Block Or Stop Calls From 877-298-1345?

To block or stop calls from 877-298-1345, first identify if the call is from a debt collection company. Let unknown calls go to voicemail and check for any messages stating they are attempting to collect a debt. If it is a debt collector, contact your phone carrier to permanently 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.

Next, send 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.

Finally, address any underlying debt by consulting a non-profit credit counselor to help negotiate a resolution or 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 877-298-1345 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that safeguards consumers from abusive, deceptive, and unfair debt collection practices. If you are receiving calls from 877-298-1345, remember that you have rights as a consumer. Document the date, time, frequency, phone number, and details of all calls. Note if the calls are outside the allowed hours of 8 am – 9 pm in your time zone, if they repeatedly call over a short period, or if they use abusive, threatening, or obscene language.

To protect your rights, you can revoke any prior consent given to call outside normal hours, formally request them to cease contact at your workplace, send a cease and desist letter via certified mail, or verbally request them to stop calling during any conversation. You can also report any 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 if you believe FDCPA violations have occurred. You can also ask an experienced credit counselor how to address the debt without incurring further collection calls.

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

If 877-298-1345 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-298-1345 is a debt collector, the first step is to validate the debt to ensure its legitimacy. Send a debt validation letter by mail, requesting written proof of the debt, including your personal details, the creditor’s name, account number, and amount owed. Carefully review the validation and dispute any inaccuracies or unrecognized information in writing, requesting removal from your credit report.

Once validated, consider negotiating a settlement or payment plan, offering a partial payment of 30-50% if affordable, and requesting debt removal from your credit report in exchange. Assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency or attorney for guidance on debt resolution, bankruptcy, or legal action against the collector. Keep detailed records of all correspondence and calls, and revoke any prior permission given for contact outside FDCPA guidelines.

Can 877-298-1345 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 877-298-1345 is a debt collector, they can sue you for the unpaid debt and potentially garnish your wages. To avoid this, try negotiating a payment plan, asserting your inability to pay, and requesting the collector to stop contacting you. You can also seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling with a debt collector, ensure the payment plan is affordable based on your budget, get any settlement terms or agreements in writing, be aware that the collector can still sue if you default on a settlement, and avoid settling for a lump sum you can’t afford. Seek assistance to understand your options and rights to make informed decisions about your debt situation.

If 877-298-1345 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 877-298-1345 is a legitimate debt collection company by requesting written confirmation from them. Verify the debt information and your personal details for accuracy. If any information is incorrect, dispute it in writing.

If the debt is valid, consider negotiating a pay-for-delete agreement with the collection agency. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Another option is to hire a credit repair service to dispute the debt on your behalf or wait for the 7-year credit reporting time limit to pass.

In case of collector violations, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to review if the collector broke any laws. This may enable you to sue for removal and damages.

Keep detailed written records of your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can remove collections from your credit report through persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking any action.

What Feedback And Comments Do People Leave About 877-298-1345?

People often leave negative feedback about 877-298-1345, as it is associated with Global Lending/Resurgent Auto Finance, a debt collection company. Users complain about the high volume of robocalls and recorded messages they receive, even when they’re on the Do Not Call List. These calls cause frustration and annoyance. To address this, individuals should know their rights under the Fair Debt Collection Practices Act (FDCPA). This may involve verifying the call’s legitimacy, blocking the number, sending cease and desist letters, or consulting legal counsel. Protecting one’s rights is crucial when dealing with debt collection calls.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE