877-564-5339

What Company Is Calling Me From 877-564-5339? Are They A Scam And Why Are They Calling Me?

The number 877-564-5339 belongs to Medicredit Corp, a debt collector that might be calling to collect unpaid debts. While some users report spam or prerecorded calls, there is no concrete evidence of illegal or unethical practices. To address concerns about your consumer rights, seek legal advice or file a complaint with the Federal Trade Commission (FTC) or Consumer Financial Protection Bureau (CFPB). To identify the debt collector, let unknown calls go to voicemail, block the number, and send a cease and desist letter. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and track potential violations. Request written validation of the debt and dispute any incorrect information. Offer a settlement or payment plan, consult credit counseling or legal action, and keep records. To remove the debt from your credit report, validate the debt authenticity, dispute incorrect information, and consider credit repair services. Monitor feedback on 877-564-5339 and take legal action if necessary.

How Can I Block Or Stop Calls From 877-564-5339?

If you’re receiving unwanted calls from 877-564-5339, follow these steps to block or stop the calls. First, determine if it’s a debt collector by letting unknown calls go to voicemail. If they leave a message about a debt, block the number by contacting your phone carrier or using call blocking apps like Nomorobo or Hiya.

Next, send a cease and desist letter via certified mail, demanding no further calls. Check your state laws for additional protections beyond the Fair Debt Collection Practices Act (FDCPA). If the collector violates regulations, keep detailed records of the calls to support a potential lawsuit.

Lastly, address the underlying debt by consulting a non-profit credit counselor to negotiate resolution or speaking to a consumer protection attorney about your rights and options. Blocking calls won’t eliminate any legitimate debts, but taking action can stop harassment and help you manage outstanding debts.

Is 877-564-5339 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair or abusive debt collection practices. If you are receiving calls from 877-564-5339, you should be aware of your rights under the FDCPA. Document the date, time, frequency, phone number, and details of all calls, especially if they are outside of the allowed hours of 8am – 9pm in your time zone. If the calls are excessive or involve abusive language, you can take action.

First, revoke any prior consent given to call outside normal hours. Next, formally request that the collector cease contact at your workplace if it is prohibited by your employer. You can also send a cease and desist letter via certified mail demanding no further contact. Additionally, you can verbally request the collector to stop calling during any conversation.

If you believe there have been violations, report them to the Consumer Financial Protection Bureau (CFPB) 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 on FDCPA violations. Lastly, ask an experienced credit counselor how to address the debt without incurring further collection calls.

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

If 877-564-5339 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-564-5339 is a debt collector, you must first validate the debt to ensure its authenticity and your legal rights. To do this, you should:

1. Formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once 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. Request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if they violate regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are 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.

The key is never ignoring 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 877-564-5339 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 877-564-5339 is a debt collector, they have the legal right to sue you for the outstanding debt. If they win the lawsuit, they can garnish your wages or bank account to recover the amount owed. To avoid such consequences, you should consider negotiating a payment plan that fits your budget, requesting the collector to stop contacting you, or seeking help from a non-profit credit counselor. You could also consult a consumer law attorney or even consider bankruptcy if your debts are overwhelming.

Before deciding to settle the debt, ensure that the payment plan is realistic and affordable based on your financial situation. Make sure any settlement terms or agreements are documented in writing. Keep in mind that a debt collector can still sue you if you fail to adhere to the settlement terms. It’s crucial to seek professional guidance and understand your rights and options before agreeing to settle the debt.

If 877-564-5339 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-564-5339 is a collection company, the first step is to validate the debt they’re calling about. Request written confirmation from the collection agency and review it carefully to ensure the debt is accurate and the personal details are correct. If there are any discrepancies, send a written dispute stating the debt is inaccurate according to the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing, offering a good faith partial settlement payment, or hiring a credit repair service to dispute the debt on your behalf. You can also wait for the debt to fall off your credit report after seven years or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws. Consulting a consumer law attorney can help determine if the collector broke any laws, enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can help 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 877-564-5339?

People leave feedback and comments about 877-564-5339, a phone number associated with Medicredit Corp, a debt collector. Users report receiving prerecorded messages from this number, stating that they are attempting to collect unpaid debts. Medicredit Corp may have obtained personal information from various sources. While receiving calls from this number does not necessarily mean one owes money, options to handle calls include reporting unwanted calls, seeking assistance from a company specializing in dealing with debt collectors, or contacting Medicredit Corp directly to inquire about the situation. Ultimately, it is crucial to familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and to take action if you believe your rights have been violated.