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What Company Is Calling Me From 877-329-9029? Are They A Scam And Why Are They Calling Me?

The company calling from 877-329-9029 is Drivetime Collections, a debt collector that reports a collection account on credit reports. They might be calling to collect a debt you may or may not owe. If a collection account is on your credit report, it can negatively impact your credit score. You don’t have to pay the debt if you’re sure it’s not yours. You have the right to request debt validation and dispute any inaccuracies on your credit report. It’s recommended to work with a credit repair professional to analyze your credit report and identify the reasons for being spam called by this number.

How Can I Block Or Stop Calls From 877-329-9029?

If you’re receiving calls from 877-329-9029, which might be a debt collector, follow these steps to identify and block the number. First, let unknown calls go to voicemail, as debt collectors may leave messages. Avoid answering directly to avoid engaging with potential collectors.

Once you identify the number as a debt collector, block it from your phone. 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.

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.

Address any outstanding debts by consulting a non-profit credit counselor to help negotiate resolution of the debt or 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 877-329-9029 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair or abusive debt collection practices. If you’re receiving calls from 877-329-9029, you should be aware of your rights under this act.

Firstly, it’s crucial to document any potential FDCPA violations, such as calls outside of the allowed hours (8 am to 9 pm in your time zone), excessive calling frequency, and abusive language. This information can be helpful if you need to take further action.

Secondly, you have the right to revoke any prior consent given to be called outside of normal hours. Additionally, you can request that the collector cease contacting you at your workplace if it is prohibited by your employer. You can also send a cease and desist letter via certified mail, verbally ask them to stop calling during a conversation, or contact your state Attorney General’s office for guidance.

Lastly, to ensure compliance with the FDCPA, it’s essential to maintain detailed records of any calls received and assert your rights. By doing so, you can prevent further harassment from debt collectors like Drivetime Collections.

If 877-329-9029 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you suspect that 877-329-9029 is a debt collector, the first step to validate the debt is to request written validation from them. Send a debt validation letter to the collector, as they are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA). Once you receive the validation, carefully review it and dispute any incorrect or unrecognized information in writing, requesting removal from your credit report.

After validating the debt, consider negotiating a reasonable settlement or payment installment plan in writing before making any payments. Offer a partial payment of 30-50% of the balance if it’s affordable and request deletion from your credit report in exchange. If the collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency or attorney for guidance.

Keep detailed records of all correspondence and calls, and revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines. Never ignore a potential debt collector and exercise your consumer rights under federal and state law to determine the best path to debt resolution. Seek help from professionals to ensure a fair outcome.

Can 877-329-9029 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 877-329-9029 is a debt collector, they can sue you and garnish your wages if they obtain a court judgment. To avoid legal action, consider negotiating affordable payments, asserting your inability to pay, seeking guidance from a credit counselor, hiring a consumer law attorney, or exploring bankruptcy as a last resort. Before settling, make sure the payment plan is affordable, get any agreements in writing, and understand the potential consequences of defaulting on a settlement. Seek assistance to understand your options and rights before making any decisions.

If 877-329-9029 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-329-9029 is a collection company, the first step to remove it from your credit report is to validate the debt’s legitimacy. Request written confirmation from the collector and review it carefully to ensure your personal details and the debt information are 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 and demand they remove the collection tradeline from your credit file.

If the collector verifies 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. Hiring a credit repair service to dispute the debt on your behalf or waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report are other options.

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 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.

What Feedback And Comments Do People Leave About 877-329-9029?

People often leave feedback and comments about 877-329-9029, which is associated with Drivetime Collections, a debt collector that reports collection accounts on credit reports. Many individuals report receiving daily calls even after informing the collector of the wrong number, and sometimes after their debts have been paid off. To stop these calls, you can use a call-blocking app or consult a credit repair company, which specializes in dealing with debt collectors. Addressing these calls can improve your chances of being approved for credit with good interest rates. It’s crucial to be aware of your rights and follow the necessary steps to protect yourself from unwanted calls and potential violations.

You must check your credit report

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