877-994-9115

What Company Is Calling Me From 877-994-9115? Are They A Scam And Why Are They Calling Me?

The company calling from 877-994-9115 is GM Financial (previously AmeriCredit Financial Services), a debt collector and auto financer. They contact individuals about past due payments on automobile loan accounts. Some users have found these calls unwanted and have requested them to stop calling their workplace. If you think this call is a scam, report it to the FTC or CFPB.

Ultimately, GM Financial (877-994-9115) is a legitimate debt collection agency associated with auto loans. They may call to collect on past due payments, and while some people may find these calls unwanted, they are not necessarily scams. If you wish to stop receiving calls, you can request this from the company. If you believe the call is fraudulent, report it to the Federal Trade Commission (FTC) or Consumer Financial Protection Bureau (CFPB).

In a nutshell, 877-994-9115 is a debt collector operating within the legal bounds of the Fair Debt Collection Practices Act. As a consumer, you have rights when it comes to dealing with debt collectors, such as validating the debt, disputing inaccuracies, and setting up payment plans. However, it’s essential to understand that debt collectors can take legal action if necessary, so settling the debt or working with them is often the best course of action.

How Can I Block Or Stop Calls From 877-994-9115?

To block or stop calls from 877-994-9115, follow these steps:

1. Identify if the calls are from a debt collector by letting unknown calls go to voicemail. If a message states they are attempting to collect a debt, you have identified them as a debt collector.

2. Contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account.

3. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

4. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

5. If you believe the calls are harassing, send a cease and desist letter via certified mail demanding no further calls. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

6. Consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

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

Remember, if you think the call is a scam, report it to the FTC or CFPB.

Is 877-994-9115 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 877-994-9115 is connected to GM Financial, a debt collector and auto financer. They may call individuals about past due payments on automobile loan accounts. If you believe this call is unwanted or harassing, you have rights under the Fair Debt Collection Practices Act (FDCPA). To document potential FDCPA violations, record the date, time, frequency, phone number, and details of all calls. Note if they call outside of allowed hours of 8am – 9pm in your time zone, repeatedly call over a short period, or use abusive language.

To assert your rights, you can revoke any prior consent given to call outside normal hours, request they cease contact at your workplace, send a cease and desist letter, or verbally request them to stop calling during any conversation. Report any violations, with documentation, to the Consumer Financial Protection Bureau 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 if you believe FDCPA violations have occurred. 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 877-994-9115 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 877-994-9115 and believe it’s a debt collector, the first step is to request written validation of the debt. Send a debt validation letter by mail, as they are legally obligated to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once you receive the validation, thoroughly review the details for accuracy. Dispute any incorrect or unrecognized information and request its removal from your credit report.

After validating the debt, you have several options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before making any payment. Offer 30-50% of the balance if it’s affordable, and request deletion from your credit report in exchange.
2. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution.
3. Seek legal advice from an attorney to explore bankruptcy or legal action against the collector if necessary.
4. Keep detailed records of all correspondence and calls for potential complaints.
5. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Always remember to communicate with debt collectors respectfully, but firmly. Stay informed of your rights under the FDCPA, and don’t hesitate to seek professional help to achieve a fair outcome.

Can 877-994-9115 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

The debt collector can potentially sue you if the debt is legitimate, and if they obtain a court judgment, they could garnish your wages or bank accounts. To avoid legal action, negotiate a payment plan, assert your inability to pay, request they cease contact, seek credit counseling, or consider bankruptcy if debts are overwhelming. Thoroughly document all communication and efforts to address the debt.

Before settling, make sure the payment plan is affordable based on your budget, get any settlement terms in writing, be aware that the collector can still sue if you default on a settlement, and avoid agreeing to payments you can’t maintain. Consult with professionals to understand your options and rights first.

877-994-9115 is a debt collector and auto financer associated with GM Financial (previously Americredit Financial Services). If you think this call is a scam, report it to the FTC or CFPB. To block or stop calls from 877-994-9115, you can request they stop calling your workplace, report the calls to the FTC or CFPB, or consider legal action if they violate the Fair Debt Collection Practices Act.

If 877-994-9115 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive a call from 877-994-9115 and suspect it’s a debt collector, it’s crucial to validate the debt’s legitimacy. Request written confirmation and review it thoroughly for accuracy. If any details are incorrect, dispute the debt in writing per the Fair Credit Reporting Act and demand its removal.

If the debt is valid, consider the following actions to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a goodwill gesture, although they aren’t obligated to remove it without an agreement.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources for removal assistance.
4. Wait for the collection account to fall off your report after seven years.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.
7. Keep detailed written records of your efforts to resolve the disputed collection account.

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. However, always focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 877-994-9115?

People leave feedback and comments about 877-994-9115, which is connected to AmeriCredit Financial Services (now part of GM Financial). Users report receiving calls for debt collection related to automobile loans, with some cases of potential scams. Legitimate debt collection calls have also been reported. Some individuals are frustrated with the company’s persistent calls even after requesting to stop, and with the company calling their workplace. Overall, feedback is mixed, with some praising customer service and others expressing dissatisfaction with the debt collection practices.