888-978-8580

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What Company Is Calling Me From 888-978-8580? Are They A Scam And Why Are They Calling Me?

The phone number 888-978-8580 is linked to Flagship Credit Acceptance, a loan servicing company. Although it is a genuine business, there have been reports of scam calls from this number. To ensure the call’s authenticity, do not give personal information to unknown callers, verify your account with Flagship Credit Acceptance, request the caller’s identity if it’s a debt collector, and report any suspicious calls to the FTC and CFPB. Remember that you have rights under the Fair Debt Collection Practices Act (FDCPA) and can take action if violations occur.

How Can I Block Or Stop Calls From 888-978-8580?

First, let the unknown calls go to voicemail and do not answer them directly. If the caller is a debt collector, contact your phone carrier to block the number or use call blocking apps like Nomorobo or Hiya. Next, set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Once you’ve identified the caller as a debt collector, send a cease and desist letter via certified mail, formally requesting no further contact. Specify that they should only call to confirm they will stop or to notify of specific actions. Check your state’s laws for additional regulations beyond the FDCPA and use those rights in your cease and desist letter.

Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Consult a non-profit credit counselor to help negotiate resolution of the debt or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

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

Is 888-978-8580 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 888-978-8580 is associated with Flagship Credit Acceptance, a loan servicing company. While they may make legitimate calls, there have been reports of scam calls as well. To verify the call’s legitimacy, do not provide personal information, check your account, ask for the caller’s identity, and report any suspicious calls. If the call is from a debt collector, block the number and send a cease and desist letter.

Under the Fair Debt Collection Practices Act (FDCPA), you have rights regarding debt collection calls. Document the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8am – 9pm in your time zone, repeatedly call, or use abusive language. To assert your rights, revoke any prior consent given to call outside normal hours, request they cease contact at your workplace, and send a cease and desist letter via certified mail.

You can also consult with a consumer protection attorney, report violations to the Consumer Financial Protection Bureau, contact your state Attorney General’s office, or ask a credit counselor for guidance on addressing the debt without further collection calls. Adhering to the FDCPA is required for any collector contacting you, and keeping detailed records and asserting your rights can prevent further harassment from debt collectors.

If 888-978-8580 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 888-978-8580 is a debt collector and validate the debt, follow these steps:

1. Ask the caller for their full name and the company they represent.
2. Request written validation of the debt from the collector by mailing a debt validation letter.
3. Carefully review the validation for accuracy, checking personal details, creditor name, account number, and amount owed.
4. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options:

1. Negotiate a 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 and request deletion from your credit report.
3. Assert your rights under the FDCPA if the collector violates regulations.
4. Consult a non-profit credit counseling agency for guidance on 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.

It’s crucial to confirm the legitimacy of any debt collector and never ignore potential calls. Understand your rights under federal and state law before determining the best path to debt resolution. Seek help from professionals to ensure a fair outcome.

Can 888-978-8580 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 888-978-8580 is a debt collector, they could potentially sue you and garnish your wages or bank accounts if they obtain a court judgment. To avoid legal action, consider negotiating affordable lump-sum or installment payments in writing, asserting your inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy if debts are overwhelming.

Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing before making payments, be aware that a collector can still sue if you default on a settlement, and settle for a lump sum that you can actually afford. Seek assistance to understand your options and rights first.

If 888-978-8580 Is A Collection Company, How Can I Remove It From My Credit Report?

If 888-978-8580 is a debt collection company, you can remove it from your credit report by first validating the debt’s legitimacy. Request written confirmation of the debt and review it for accuracy. If there are any discrepancies, send a written dispute to the collection agency, citing the debt is inaccurate per the Fair Credit Reporting Act. They must remove the collection tradeline from your credit file if the debt is inaccurate.

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 7-year credit reporting time limit for the collection to fall off your report automatically.

If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages. Keep detailed written records of your efforts to resolve the disputed collection account.

In the end, being proactive, validating the debt, 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 888-978-8580?

People have left negative feedback about 888-978-8580, a phone number associated with Flagship Credit Acceptance, a loan servicing company. Many complaints stem from unsolicited and unwanted calls from debt collectors. To protect yourself, verify the legitimacy of the call, check your account, and report suspicious calls. If the call is from a debt collector, be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Document call details, track potential violations, and consider credit repair options to safeguard your financial well-being.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE