877-523-1282

What Company Is Calling Me From 877-523-1282? Are They A Scam And Why Are They Calling Me?

The company calling from 877-523-1282 is MiraMed Revenue Group, a debt collection agency. Some users have reported that these calls may be scams and the company has been accused of aggressive collection attempts and not providing sufficient information about the debt. To protect yourself, do not provide personal information and hang up if you are unsure about the legitimacy of the call. If you believe you may have a debt being collected by MiraMed Revenge Group, contact the company directly to verify the debt and make payment arrangements if necessary.

To protect yourself from unwanted calls, identify if the call is from a debt collector and block unknown numbers. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) protections for consumers and document any call violations. Request debt validation and negotiate settlements or payment plans with the collector. If needed, consult professionals like credit counselors or attorneys for guidance on legal action.

Finally, validate the debt’s legitimacy and consider credit repair services or waiting for the debt to fall off automatically. Remember to be cautious when dealing with debt collectors and prioritize your financial well-being.

How Can I Block Or Stop Calls From 877-523-1282?

First, determine if the calls are from a debt collector. Avoid answering unknown calls and let them go to voicemail. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. Set unknown callers to go straight to voicemail or block them.

Send a cease and desist letter via certified mail, demanding no further calls. Check your state’s laws on collection calls without written notice. Keep records of all calls to show a pattern of harassment if considering legal action. Consult a non-profit credit counselor for debt resolution help and speak to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations. Blocking calls may not eliminate debts, but it can stop harassment and help address outstanding debts.

Is 877-523-1282 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the number 877-523-1282, it’s essential to know your rights under the Fair Debt Collection Practices Act (FDCPA). This federal law safeguards consumers from harassment and abusive practices by debt collectors.

To document potential FDCPA violations, maintain a record of the date, time, frequency, phone number, and details of all calls. Note if the calls are made outside the allowed hours of 8 am to 9 pm in your time zone, and if they call repeatedly over a short period. Also, record any abusive, threatening, or obscene language used during the calls.

To protect your rights, revoke any prior consent given to call outside normal hours in writing. You can also formally request that the collector cease contact at your workplace if prohibited by your employer. Sending a cease and desist letter via certified mail is another option, demanding no further contact. Verbally requesting the collector to stop calling during any conversation is also an effective way to protect your rights.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, including suing for damages. Contact your state Attorney General’s office for guidance on potential violations. You can also ask a credit counselor for advice on how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keeping detailed records and asserting your rights will help prevent further harassment from debt collectors.

If 877-523-1282 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-523-1282 is a debt collector, the first step is to validate the debt. To do this, you should:

1. Send a debt validation letter to the collector via mail, as they are legally required to provide this under the FDCPA.
2. Carefully review the validation, checking your personal details, creditor name, account number, and amount owed for accuracy.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider these options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. Assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance on debt resolution.
5. Contact an attorney to explore bankruptcy or legal action against the collector as viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 877-523-1282 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is a legitimate party, they can potentially sue you to recover the amount owed, and if they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact, which may prevent suit, 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; meet with an attorney to discuss if it’s appropriate.

Before agreeing to settle, carefully consider:

1. Research and understand the debt collector’s practices and rights under the FDCPA.
2. Be aware a collector can still sue if you default on a settlement.
3. Make sure the proposed payment plan is realistically affordable based on your budget.
4. Get any settlement terms or agreements in writing before making payments.
5. Seek assistance to understand your options and rights first.

Ultimately, 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 877-523-1282 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-523-1282 is a collection company, you can potentially remove it from your credit report by following these steps:

1. Validate the debt: Request written confirmation from the collection company to ensure the debt is legitimate and your personal details are accurate. If there are any inaccuracies, dispute the debt in writing.

2. Negotiate a pay-for-delete agreement: Offer to settle the debt in exchange for removal from your credit report. Ensure the agreement is in writing.

3. Partial settlement offer: Propose a good faith payment and request deletion as a gesture of goodwill. Keep in mind, the collector isn’t obligated to remove it without a formal agreement.

4. Hire a credit repair service: Let professionals dispute the debt on your behalf and provide legal resources to assist in getting it removed.

5. Wait for the 7-year limit: Collection accounts typically fall off your report after seven years.

6. File a complaint: Report any violations of laws by the collector to the Consumer Financial Protection Bureau.

7. Consult an attorney: If the collector breaks laws, consult a consumer law attorney to sue for removal and damages.

8. Maintain records: Keep detailed written records of your efforts to resolve the disputed collection account.

Remember to focus first on determining if the debt is legitimate before taking any action. By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 877-523-1282?

People have left various feedback and comments about phone number 877-523-1282, which is associated with MiraMed Revenue Group, a debt collection agency. Callers often request personal information without providing clear details about their company or the reason for the call. Some people find the callers rude and unhelpful, while others express concerns about the company’s tactics, such as attempting to ruin credit ratings for non-payers. Ultimately, the number has been labeled as a scam or nuisance by some individuals.

In response to these concerns, it is crucial to first identify if the call is from a debt collector or block unknown numbers. Additionally, understanding the Fair Debt Collection Practices Act (FDCPA) protections for consumers is essential, as it outlines the rights of consumers during debt collection calls. Document any call violations to protect your rights and consider requesting debt validation from the collector.

If the debt is legitimate, negotiate a settlement or payment plan with the collector. In some cases, consulting professionals like credit counselors or attorneys for guidance on legal action may be necessary. Another option is to validate the debt’s legitimacy and consider credit repair services or waiting for the debt to fall off automatically.

In a nutshell, it is essential to be cautious and proactive when dealing with debt collection calls, such as the one from 877-523-1282. By understanding your rights and taking necessary steps, you can protect yourself from potential scams and nuisance calls.