877-733-5189

What Company Is Calling Me From 877-733-5189? Are They A Scam And Why Are They Calling Me?

The phone number 877-733-5189 is linked to West Lake Financial, a sub-prime lender and original creditor. They are known for frequently calling to collect debts, even on Sundays. Some users have reported these calls as suspicious or scams, but they are likely legitimate debt collection attempts. However, it’s important to be aware that some users have also reported the company may break the law with their practices. If you feel harassed or treated unfairly by a debt collector, it’s crucial to understand your legal rights and options.

In conclusion, the number 877-733-5189 is associated with West Lake Financial, a company that frequently makes debt collection calls. Although some users have reported these calls as scams, they are likely legitimate. However, it’s important to be cautious, as some users have also claimed the company may break the law with their practices. If you ever feel mistreated by a debt collector, remember to familiarize yourself with your legal rights and options to protect yourself.

How Can I Block Or Stop Calls From 877-733-5189?

To block or stop calls from 877-733-5189, first identify if the calls are from a debt collector. If so, take the following steps to stop further calls:

1. Contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account.
2. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
3. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, formally request no further contact:

1. 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.
2. 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.
3. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Finally, get help addressing the underlying debt:

1. Consult a non-profit credit counselor to help negotiate resolution of the debt.
2. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.
3. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 877-733-5189 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 unfair or abusive debt collection practices. If you’re receiving calls from the number 877-733-5189, which is linked to West Lake Financial, it is vital to comprehend your rights under the FDCPA.

Documenting any potential FDCPA violations is crucial. Keep track of the date, time, frequency, phone number, and details of all calls. Note if they call outside the allowed hours of 8 am – 9 pm in your time zone. Additionally, log any abusive, threatening, or obscene language used on the calls.

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

If you believe that the collector is violating the FDCPA, report the violations with documentation to the Consumer Financial Protection Bureau to open an investigation. Consulting with a consumer protection attorney or contacting your state Attorney General’s office for guidance on next steps is also recommended.

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

If 877-733-5189 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-733-5189 is a debt collector, you can validate the debt by requesting written validation from them. According to the Fair Debt Collection Practices Act (FDCPA), they are obligated to provide this information.

Upon receiving the validation, thoroughly review it to ensure the creditor name, account number, and amount owed are accurate. If there are any discrepancies or unrecognized information, dispute it in writing and request removal from your credit report.

Once validated, consider negotiating a settlement or payment installment plan, offering a partial payment if affordable, or disputing violations of the FDCPA. You can also consult a non-profit credit counseling agency or attorney for guidance on debt resolution, bankruptcy, or legal action against the collector.

Maintain detailed records of all correspondence and calls, and revoke any prior permission given to the collector if they violate the FDCPA. Remember, it’s crucial to never ignore a potential debt collector and to exercise your consumer rights under federal and state law before determining the best path to resolution. Seek professional help to ensure a fair outcome.

Can 877-733-5189 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re being contacted by 877-733-5189, the debt collector could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider the following steps:

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. This 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.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settle for a lump sum that you can’t afford may do more long-term financial harm.

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 877-733-5189 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-733-5189 is a collection company calling you, it’s important to first verify the debt is legitimate by requesting written confirmation. If any information is incorrect, dispute the debt in writing. If the debt is valid, consider negotiating a pay-for-delete agreement, offering a 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 report after 7 years or file a complaint with the Consumer Financial Protection Bureau. In some cases, consulting a consumer law attorney may be necessary. Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 877-733-5189?

People often leave feedback and comments about the phone number 877-733-5189, mainly regarding unwanted calls or spam. The Federal Trade Commission (FTC) has received four complaints about this number, although no specific details were provided. Users on websites like “Who Calls Me” and “Robokiller” have reported spam calls from “Westlake Financial,” a sub-prime lender and original creditor. The call transcripts suggest that these calls may be from a robocaller. It is unclear why people call from this number, but it is possible they are debt collectors or telemarketers.

In a nutshell, people have shared complaints about the number 877-733-5189 due to spam calls and unwanted contacts. Westlake Financial, the company behind these calls, is a sub-prime lender that frequently calls to collect debts, sometimes even on Sundays. Users have reported suspicious calls, but they are likely legitimate debt collection attempts. Some users claim the company may break the law with their practices. It is essential to know your legal rights and options if harassed or treated unfairly by a debt collector.