877-855-8844

What Company Is Calling Me From 877-855-8844? Are They A Scam And Why Are They Calling Me?

First Credit Inc, a debt collection company, is associated with the phone number 877-855-8844. Some users have reported receiving robocalls from this number, which is a common tactic used by debt collectors. Although there are no definitive proofs of scam activities, it is essential to verify the legitimacy of any debt or debt collector before providing personal information or making payments. If unsure, request written validation of the debt.

Ultimately, it is crucial to be cautious when receiving calls from unknown numbers, especially those related to debt collection. Verify the legitimacy of any debt and the collector, and if unsure, request written validation of the debt. Keep detailed records and consult with non-profit credit counseling agencies or attorneys for guidance. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and document debt collection calls. If the debt is legitimate, consider your options before agreeing to settle, and always prioritize your financial well-being and protection.

How Can I Block Or Stop Calls From 877-855-8844?

To block or stop calls from 877-855-8844, follow these steps:

1. Identify if the call is from a debt collector: let unknown calls go to voicemail and do not answer directly.
2. Contact your phone carrier to block the number permanently.
3. Use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level.
4. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.
5. Send a cease and desist letter via certified mail demanding no further calls.
6. Consult a non-profit credit counselor to negotiate resolution of the debt.
7. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits.

Remember, blocking calls does not eliminate any legitimate debts owed. Taking proactive steps can stop harassment while addressing any outstanding debts.

Is 877-855-8844 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a law that protects consumers from unfair and abusive practices by debt collectors. If you are receiving calls from the number 877-855-8844, you have rights as a consumer. To document any potential violations, make note of the date, time, frequency, phone number, and details of all calls.

Check if the debt collector is calling outside of allowed hours (8 am – 9 pm in your time zone) or repeatedly calling over a short period. Additionally, pay attention to any abusive, threatening, or obscene language used during the calls.

To assert your rights, revoke any prior consent given to call outside normal hours, request they cease contact at your workplace if prohibited, send a cease and desist letter, and verbally request they stop calling during any conversation.

In case of violations, report the incidents to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

It is essential for debt collectors to adhere to the FDCPA when contacting you. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 877-855-8844 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 877-855-8844 and suspect it’s a debt collector, take the following steps to validate the debt and explore your options. First, determine if the call is from a debt collector. If it is, send a debt validation letter by mail, as debt collectors are required by law to provide written validation of the debt under the Fair Debt Collection Practices Act (FDCPA).

Once you receive the validation, review it for accuracy and dispute any incorrect or unrecognized information. Request the removal of the debt from your credit report if necessary. Next, consider negotiating a reasonable settlement or payment plan. Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.

If the debt collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency for guidance on debt resolution. Alternatively, contact an attorney to explore options such as bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls for potential complaints, and revoke any prior 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 877-855-8844 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

First and foremost, if you’re receiving calls from 877-855-8844, ensure you verify the legitimacy of the debt and collector before providing any personal information or making payments. Be cautious, as First Credit Inc. is known for making robocalls. If unsure, request written validation of the debt and avoid engaging directly with the collector. Consult a non-profit credit counselor or consumer protection attorney to address the underlying debt and potential legal action.

Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and document debt collection calls. If you choose to negotiate a settlement or payment plan, ensure it’s affordable and get any agreements in writing. Be aware that collectors can still sue if you default on a settlement. Settling for an amount you can’t afford may do more long-term financial harm.

Always seek assistance to understand your options and rights before making any decisions.

If 877-855-8844 Is A Collection Company, How Can I Remove It From My Credit Report?

If you believe 877-855-8844 is a collection company, start by confirming if the debt is legitimate. Request written confirmation and review the validation carefully to ensure your personal details and debt information are accurate. If there are any inaccuracies, 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. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed is another option.

Waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report is another option. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. 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 877-855-8844?

877-855-8844 has received mixed feedback, with some users experiencing harassment calls and spam, while others report it to be a landline phone. First Credit Inc., a debt collector, is associated with this number. It is crucial to verify the legitimacy of any debt or collector before providing personal information or making payments. To ensure your rights under the Fair Debt Collection Practices Act (FDCPA), request written validation of the debt and negotiate a settlement or payment plan. Consult a non-profit credit counseling agency or attorney for guidance and keep detailed records of debt collection calls.