877-812-1163

What Company Is Calling Me From 877-812-1163? Are They A Scam And Why Are They Calling Me?

The company calling from 877-812-1163 is Medical Revenue Service, a debt collector. They often make automated or pre-recorded calls about medical debts. Due to some calls lacking identification, it’s crucial to verify the caller’s legitimacy and the debt information. If unsure, end the call, contact the company directly, and report the call to the FTC or state Attorney General’s office. Be cautious of potential scam calls and protect yourself by hanging up, blocking the number, and reporting any suspicious activity.

How Can I Block Or Stop Calls From 877-812-1163?

To block or stop calls from 877-812-1163, consider the following steps:

1. Identify if the caller is a debt collector by letting unknown calls go to voicemail and checking for messages.
2. Block the number by contacting your phone carrier or using call blocking apps like Nomorobo or Hiya.
3. Set your smartphone to send unknown calls to voicemail or block them.
4. Send a cease and desist letter via certified mail, demanding no further calls.
5. Consult a non-profit credit counselor or attorney to address the underlying debt and negotiate a resolution.

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

Is 877-812-1163 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the number 877-812-1163 and suspect they’re violating the Fair Debt Collection Practices Act (FDCPA), document the details of the calls, including date, time, frequency, phone number, and any abusive language used. Remember, collectors can only call between 8am and 9pm in your time zone.

To protect your rights as a consumer, revoke any prior consent for calls outside normal hours, request they stop calling your workplace, and send a cease and desist letter via certified mail. Additionally, you can report violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, contact your state Attorney General’s office, or seek advice from a credit counselor on managing the debt without further collection calls.

It’s crucial to adhere to the FDCPA and assert your rights to prevent debt collectors from harassing you. Keep detailed records of calls and take action if needed.

If 877-812-1163 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 877-812-1163 is a debt collector and how to validate the debt, first request written validation from the collector. This is required under the Fair Debt Collection Practices Act (FDCPA). Examine the validation for accuracy, checking your personal details, the creditor’s name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider negotiating a reasonable settlement or payment installment plan in writing before sending any payment. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Assert your rights under the FDCPA if the collector violates regulations during collection.

Seek guidance from a non-profit credit counseling agency for help with debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options. Maintain detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Can 877-812-1163 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 877-812-1163, it is likely from a debt collector regarding a medical debt. If the debt is legitimate, they 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 the following:

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. Settling 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 877-812-1163 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-812-1163 is a debt collection company, you should start by confirming if the debt is genuine. Request written confirmation from the agency and review it thoroughly to ensure the details provided are accurate. If there are any discrepancies, dispute the debt in writing, citing the Fair Credit Reporting Act.

In case the debt is valid, attempt to negotiate a pay-for-delete agreement, where you pay off the debt in exchange for removal from your credit report. Offer a partial settlement payment and request deletion as a goodwill gesture. Alternatively, you can hire a credit repair service to dispute the debt on your behalf and provide legal assistance.

Another option is to wait for the debt to fall off your report after seven years. Meanwhile, file a complaint with the Consumer Financial Protection Bureau if the collector violates any laws or refuses to remove inaccurate information. Consulting a consumer law attorney can help you understand if the collector broke any laws, potentially allowing you to sue for removal and damages.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can remove collections from your credit report. However, always start by confirming the debt’s legitimacy before taking any action.

What Feedback And Comments Do People Leave About 877-812-1163?

People often leave comments about 877-812-1163, saying it’s related to debt collection. They report receiving calls about their personal business and usually don’t leave a message. The caller identifies as “The Business Office” or “Business Office” when called back. Some users report that the caller asked for personal information and hung up when not provided. The caller has been reported to call multiple times per week, speak with others about the user’s debt, and threaten to sue, harm their credit, and claim they committed a crime. It’s important to be cautious when receiving calls from this number and not to provide any personal information.

To address these concerns, users can verify the legitimacy of the caller by contacting the company directly and blocking the number. It’s also essential to let unknown calls go to voicemail, send a cease and desist letter, and consult a non-profit credit counselor or attorney for assistance in addressing the underlying debt. The Fair Debt Collection Practices Act (FDCPA) provides consumer protections and rights against harassment during debt collection calls. Users should document call details, frequency, and violations for potential legal action and request written validation of the debt, disputing any inaccurate information in writing.

In conclusion, understanding the potential legal consequences of not addressing a legitimate debt and negotiating affordable payment plans or seeking debt relief is crucial in managing the situation effectively.