9172772202

What Company Is Calling Me From 9172772202 And Why Are They Calling? Are They A Debt Collector?

If you’ve received a call from 917-277-2202, it is likely Atlantic Recovery Solutions (ARS), a debt collection agency, trying to collect outstanding debts on behalf of their clients. However, it’s important to be aware that ARS has faced complaints regarding their aggressive and harassing collection tactics.

When dealing with ARS or any debt collector, it is essential to request written validation of the debt and understand your rights under the Fair Debt Collection Practices Act (FDCPA) before making any payments. This knowledge will help you assert your rights and dispute any inaccurate information if necessary.

It’s also crucial to be cautious as there have been instances of scam calls impersonating ARS. These fraudulent callers may use threats of arrest or demand unusual payment methods. To protect yourself, make sure to verify the legitimacy of the caller before sharing any personal or financial information. If you believe ARS has violated debt collection laws, you can file complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). Seeking guidance from a consumer rights lawyer is advisable if you need assistance in dealing with ARS or suspect harassment. Remember, always prioritize your rights and safeguard yourself when encountering debt collectors.

How Can I Block Or Stop Calls From 9172772202?

If you want to stop calls from 9172772202, there are a few steps you can take. First, let unknown calls go to voicemail and avoid direct engagement to determine if it is a debt collector. Once identified, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. On smartphones, you can set contacts not in your address book to go straight to voicemail or be blocked.

Second, send a cease and desist letter via certified mail to formally request no further contact. Check if your state has additional laws that prohibit collection calls without written notice and invoke those rights. Keep detailed records of all calls as evidence of harassment.

Lastly, seek help addressing the underlying debt by consulting a non-profit credit counselor or speaking to a consumer protection attorney for assistance and potential legal action. Remember, while blocking calls can help stop harassment, it does not eliminate any legitimate debts owed. It’s important to take proactive steps in addressing them and seeking professional assistance if needed.

What Are My Rights As A Consumer Regarding Calls From 9172772202 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights regarding calls from the number 9172772202 under the Fair Debt Collection Practices Act (FDCPA). If you suspect that they are violating the FDCPA, you should take specific steps to address the issue.

To begin, it is crucial to document any potential FDCPA violations. Keep a record of the date, time, frequency, and phone number of each call, along with any relevant details. This documentation will serve as evidence of harassment or other violations. Furthermore, make note if they call outside the allowed hours of 8am – 9pm in your time zone, unless you have given consent for different hours.

To exercise your rights, there are several actions you can take. Firstly, revoke any prior consent you may have given to be contacted outside normal hours by submitting a written notice. If your workplace prohibits collection calls, formally request that they refrain from contacting you there. Additionally, send a cease and desist letter via certified mail, demanding that they stop contacting you by phone. During any conversation with them, verbally ask them to cease calling you.

If you believe there are indeed violations, report the matter to the Consumer Financial Protection Bureau. Include your documentation to initiate an investigation. You may also want to consult with a consumer protection attorney to gain a better understanding of your rights and explore the option of suing for damages. Contact your state’s Attorney General’s office for guidance if you suspect FDCPA violations have occurred.

If Company From 9172772202 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 9172772202 is a debt collector, it’s crucial to validate the debt by requesting written validation through a debt validation letter. You have the right to do this under the Fair Debt Collection Practices Act (FDCPA). Once you receive the validation, carefully review it for accuracy, including your personal details, creditor name, account number, and amount owed. If you spot any incorrect or unrecognized information, dispute it in writing and ask for its removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. You can negotiate a reasonable lump-sum settlement or propose a payment installment plan in writing before making any payments. If you’re able to, offering a partial payment of 30-50% of the balance and requesting deletion from your credit report in exchange is also an option. In case the debt collector violates regulations during the collection process, make sure to assert your rights under the FDCPA. Additionally, consider seeking guidance from a non-profit credit counseling agency to help negotiate debt resolution or consult an attorney to explore alternatives like bankruptcy or legal action against the collector. To protect yourself, maintain detailed records of all correspondence and calls for potential complaints. You can also revoke any prior verbal or written permission you may have given to the debt collector to contact you outside FDCPA guidelines.

Remember, it’s important not to ignore a potential debt collector. Take the necessary steps to validate the debt and exercise your consumer rights under

Can The Company From 9172772202 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company associated with the phone number 9172772202 is a debt collector and the debt is legitimate, there is a possibility that they could sue you or garnish your wages. To avoid legal action, you can take several steps. First, try to negotiate affordable payment options with the debt collector in writing, showing your good faith effort to pay. You can also request that they cease contact if you are unable to pay, although this may not prevent a lawsuit. Seek guidance from a non-profit credit counselor or consult with a consumer law attorney to understand your rights and protections.

Before agreeing to settle, carefully review the proposed payment plan and ensure it is realistically affordable within your budget. Obtain any settlement terms in writing before making any payments. It’s important to note that even if you do settle, the debt collector can still sue you if you default on the agreement. Therefore, settle for an amount that you can realistically afford without causing further financial harm in the long run.

In conclusion, settling with the debt collector may be a reasonable option to avoid legal action, but assess your financial situation and seek assistance to understand your options and rights before making any agreements. Keep thorough documentation of all communication and efforts made to address the debt.

If 9172772202 Is A Collection Company, How Can I Get It Removed From My Credit Report?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) when dealing with calls from the number 9172772202, which is believed to be a collection company. To ensure your rights are protected, it is crucial to document any potential violations. Keep a record of the date, time, frequency, phone number, and details of all calls. Take note if they call outside the permitted hours of 8am – 9pm in your time zone, and keep track if they repeatedly call within a short period.

To assert your rights, there are several steps you can take. Start by revoking any previous consent given to be contacted outside of normal hours. This should be done in writing. If your employer prohibits contact at your workplace, make sure to include this request as well. You can also send a cease and desist letter via certified mail, explicitly demanding that they refrain from any further contact by phone. Additionally, during any conversation, verbally request that they cease calling you.

If you need guidance on what to do next, consider reporting any violations to the Consumer Financial Protection Bureau. Submit your documentation to initiate an investigation. It may also be helpful to consult with a consumer protection attorney who can provide specific advice tailored to your situation. Depending on the circumstances, you may have the option to sue for damages. Seeking guidance from your state Attorney General’s office can also provide valuable information if you believe FDCPA violations have occurred. Lastly,