904-421-3330

What Company Is Calling Me From 904-421-3330? Are They A Scam And Why Are They Calling Me?

The company calling from 904-421-3330 is Accounts Receivable Management (ARM) or A.R.M. Inc., a debt collection agency. They make calls to collect debts on behalf of various healthcare providers, such as Baptist Hospital/ Medical Center/ Physicians. If you want to stop ARM from calling, consider contacting a company like a credit repair company for assistance in reviewing your credit report and exploring options to remove ARM from your credit report without paying your debt. Ultimately, it is crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and state law to protect yourself from potential violations and negotiate with debt collectors effectively.

How Can I Block Or Stop Calls From 904-421-3330?

If you’re receiving unwanted calls from 904-421-3330, first identify if it’s a debt collector by letting unknown calls go to voicemail and checking messages. If it is a debt collector, block their number by contacting your phone carrier or using call blocking apps like Nomorobo or Hiya.

Next, send a cease and desist letter via certified mail demanding no further calls. Check your state’s laws beyond the Fair Debt Collection Practices Act (FDCPA) for additional protection. Keep detailed records of all calls as evidence of harassment, and consider consulting a non-profit credit counselor to negotiate a debt resolution. If necessary, speak to a consumer protection attorney about potential lawsuits and your rights.

Blocking calls won’t eliminate any debts, but taking these steps can stop harassment and help address outstanding debts.

Is 904-421-3330 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from unfair debt collection practices. If you’re receiving calls from the number 904-421-3330, it’s likely from a debt collection agency like Accounts Receivable Management (ARM) or A.R.M. Inc., which represents healthcare providers. To safeguard your rights, keep track of the dates, times, frequencies, and details of all calls. Note if they call outside of the allowed hours of 8 am to 9 pm in your time zone, call excessively in a short period, or use abusive language.

To defend your rights, revoke any prior consent given for calls outside regular hours, request them to stop calling at your workplace if it’s prohibited, send a cease and desist letter via certified mail, and verbally ask them to stop calling during any conversation. If you think there are FDCPA violations, report them to the Consumer Financial Protection Bureau and consider consulting with a consumer protection attorney. You can also contact your state Attorney General’s office for guidance and ask a credit counselor how to manage the debt without incurring additional collection calls.

ARM is obligated to follow the FDCPA when contacting you. Maintain detailed records and assert your rights to prevent further harassment from debt collectors.

If 904-421-3330 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 904-421-3330 is a debt collector, it is crucial to validate the debt and understand your options. To validate the debt, send a debt validation letter by mail to the collector, as they are legally obligated to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once the debt is confirmed, consider negotiating a reasonable settlement or payment plan in writing. Offer a partial payment of 30-50% of the balance if affordable and request the removal of the debt from your credit report. If the 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 bankruptcy or legal action against the collector.

Maintain detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to the collector if it falls outside FDCPA guidelines. Always confirm if the debt is valid and exercise your consumer rights under federal and state law before deciding on the best course of action. Seek help from professionals to ensure a fair outcome.

Can 904-421-3330 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a 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 negotiating affordable 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 as an option. Before agreeing to settle, ensure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing, and be aware that a collector can still sue if you default on a settlement. 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 904-421-3330 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm if 904-421-3330 is a debt collection company by validating the debt. Request written confirmation and review it carefully to ensure your personal details and debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider taking active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal. This requires paying a lump-sum settlement.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, they are not obligated to remove it without a formal agreement.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
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 showing your efforts to resolve the disputed collection account.

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

What Feedback And Comments Do People Leave About 904-421-3330?

When it comes to feedback and comments about the phone number 904-421-3330, people have had mixed experiences with Accounts Receivable Management (ARM), a debt collection agency. Some have found the calls aggressive and have issues with the lack of company identification on their caller ID. In fact, some people have reported that the callers have used different company names on their caller IDs. Despite these concerns, it’s important to note that debt collectors have the legal right to contact individuals to collect debts, as long as they follow the guidelines established by the Fair Debt Collection Practices Act (FDCPA).