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What Company Is Calling Me From 877-498-8563? Are They A Scam And Why Are They Calling Me?

The company calling from 877-498-8563 is Synchrony Financial, and the purpose of the call is debt collection. It is essential to know your rights under the Fair Debt Collection Practices Act (FDCPA). If you find the calls unwanted or suspect scams, block the number or report it to the FTC. To handle the situation, validate the debt, negotiate a payment plan, or seek legal assistance and credit counseling. Maintain detailed records of all interactions and correspondence, and consider filing complaints if violations occur. Use call blocking apps or security applications to prevent future unwanted calls.

How Can I Block Or Stop Calls From 877-498-8563?

To block or stop calls from the number 877-498-8563, associated with Synchrony Financial, follow these steps:

1. Let unknown calls go to voicemail and do not answer them directly. Debt collectors may leave messages stating they are attempting to collect a debt.

2. Block the number by contacting your phone carrier. Most major carriers allow call blocking through customer support or your online account.

3. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

4. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

5. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.

6. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights.

7. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

8. Get help addressing the underlying debt by consulting a non-profit credit counselor to help negotiate resolution of the debt or considering 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 877-498-8563 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 regulates the actions of debt collectors, including those calling from the number 877-498-8563, which is associated with Synchrony Financial. If you’re receiving calls from this number and believe they’re violating the FDCPA, it’s important to document the date, time, frequency, phone number, and details of all calls. Some potential violations include calls outside the allowed hours of 8am-9pm in your time zone, excessive calling frequency, abusive or threatening language, and repeated calls at your workplace if prohibited by your employer. To protect your rights, you can revoke any prior consent given to call outside normal hours, request the collector to cease contact at your workplace, send a cease and desist letter, or verbally request them to stop calling during a conversation. If you believe your rights have been violated, you can report the violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, contact your state Attorney General’s office, or seek guidance from an experienced credit counselor. By adhering to the FDCPA and asserting your rights, you can prevent further harassment from debt collectors.

If 877-498-8563 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-498-8563 is a debt collector, you should first validate the debt by requesting written validation through a debt validation letter. Ensure the information provided is accurate, and if there are any discrepancies, dispute them in writing and request removal from your credit report.

Once the debt is validated, consider negotiating a settlement or payment installment plan in writing. You can offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Familiarize yourself with your rights under the FDCPA and consider consulting a non-profit credit counseling agency or attorney for guidance.

Maintain detailed records of all correspondence and calls, and if violations occur, file complaints. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines.

Can 877-498-8563 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 877-498-8563 is a debt collector, they may have the authority to sue you and garnish your wages if you owe them money. To avoid legal action, it’s essential to negotiate affordable payment terms, assert your inability to pay, seek help from a credit counselor, or consult a consumer law attorney. You may also consider bankruptcy if your debts are unmanageable. Remember to document all communication and efforts to resolve the debt. Before settling, make sure you fully understand your rights and options.

If 877-498-8563 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-498-8563 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.

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. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Alternatively, hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Another option is to wait out 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. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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 877-498-8563?

People have left negative feedback about the phone number 877-498-8563, often reporting that it is associated with unsolicited calls, nuisance calls, and debt collection. Users complain about receiving multiple calls with no one on the line, dead air, or background noise, and the callers are frequently looking for someone with a similar name but not an exact match. The phone number has a negative rating, with users recommending a security application to block unwanted calls. The caller’s identity and purpose of the calls remain unknown.

In a nutshell, 877-498-8563 is a phone number that has received numerous complaints for its association with unwanted and nuisance calls, primarily related to debt collection. Users have suggested various methods to block or report these calls, such as using call blocking apps or sending cease and desist letters. It is crucial to address any underlying debt issues by validating it, negotiating payment plans, or seeking legal assistance and credit counseling.

Ultimately, if you are receiving unwanted calls from this number, it is essential to take action to protect yourself and your personal information. Keep detailed records of all interactions and correspondence, and consider filing complaints if violations occur.

You must check your credit report

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