978-225-6004

What Company Is Calling Me From 978-225-6004? Are They A Scam And Why Are They Calling Me?

The phone number 978-225-6004 is linked to a company called CCS, which specializes in debt collection. While legitimate collectors may call to discuss confirmed debts, scammers could pose as collectors too. To ascertain the call’s authenticity, research CCS using terms like “complaint” or “review.”

If the debt is confirmed, work out a payment plan and remember your rights under the Fair Debt Collection Practices Act (FDCPA). Keep an eye on your credit report and maintain detailed records of your interactions with the collector. If any violations occur, report them and consider seeking advice from a credit counselor or attorney.

How Can I Block Or Stop Calls From 978-225-6004?

First, let unknown calls go to voicemail to identify if it’s a debt collector. Once confirmed, contact your phone carrier to block the number or use a call blocking app on your smartphone. Send a cease and desist letter, and follow the Fair Debt Collection Practices Act (FDCPA) guidelines. If the debt is legitimate, negotiate a payment plan and consult a non-profit credit counselor or consumer protection attorney for assistance. Monitor your credit report and maintain detailed records to protect your rights.

Is 978-225-6004 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from 978-225-6004 and believe they may be violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to determine if the company, CCS, is a legitimate debt collector. To do this, research the company and confirm their legitimacy. If the calls are indeed violating the FDCPA, document essential details such as date, time, frequency, phone number, and content.

Take action to protect yourself by revoking consent for further calls, requesting the calls to cease, and sending a cease and desist letter. Additionally, report any violations to the Consumer Financial Protection Bureau. Consult a consumer protection attorney or contact your state Attorney General’s office for further assistance.

If the debt is legitimate, negotiate a payment plan, assert your rights, and consider consulting a credit counselor or attorney. Keep a close eye on your credit report and maintain detailed records of your interactions with the collector. By understanding your rights and taking appropriate action, you can effectively handle debt collectors like 978-225-6004.

If 978-225-6004 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate a debt with the number 978-225-6004, first determine if the caller is a debt collector. Research the company, CCS, to confirm its legitimacy. If the call is from a debt collector, request written validation of the debt. Review the validation carefully to ensure the information is accurate. If there are any discrepancies, dispute the incorrect information.

Negotiate a settlement or payment plan with the collector, and assert your rights under the Fair Debt Collection Practices Act (FDCPA). If you need guidance, consult a credit counselor or contact an attorney. Keep detailed records of your interactions with the collector and never ignore their calls, but always verify the debt’s validity and exercise your rights.

In essence, ensuring the debt’s legitimacy, exercising your rights under the FDCPA, and maintaining detailed records will help you manage the situation effectively.

Can 978-225-6004 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re concerned about a debt collector like 978-225-6004 suing you or garnishing your wages, it’s important to first determine if the call is genuine. If it is, and the debt is valid, the collector has the legal right to pursue legal action to recover the owed amount, which may include wage or bank account garnishment. To avoid such outcomes, explore options like negotiating payment plans, asserting your inability to pay, seeking credit counseling, hiring an attorney, or even considering bankruptcy.

Before settling the debt, ensure you have a written agreement outlining the terms of the settlement, confirming that the plan is manageable for you and that you understand the potential consequences of settling the debt. Keep records of your interactions with the debt collector and monitor your credit report to safeguard your financial health.

If 978-225-6004 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm the debt’s legitimacy by requesting written proof from the collection agency, CCS. Thoroughly review the details and dispute any inaccuracies, as you have the right to do so under the Fair Credit Reporting Act (FCRA). To remove the debt from your credit report, try negotiating a pay-for-delete agreement, offering a partial settlement, or hiring a credit repair service. As an alternative, you can wait for the 7-year limit for the debt to expire.

If you continue to face problems, file a complaint with the Consumer Financial Protection Bureau (CFPB) or consult a consumer law attorney. Maintain detailed records of your efforts to resolve the issue, and remain proactive in monitoring your credit report and credit score.

What Feedback And Comments Do People Leave About 978-225-6004?

When researching feedback and comments about 978-225-6004, it is essential to understand that this landline number is operated by Ctc Communications Corp in Newburyport, MA. Some people view it as a debt collector or telemarketer, while others are uncertain or report hang-ups when asked for identification. One individual thinks it might be linked to missed auto insurance payments with Progressive. CCS Companies, a debt collection agency, is also associated with this number.

The legitimacy of the calls received from this number is unclear, so it is crucial for callers to be cautious and verify the caller’s identity before providing any personal information. To determine the call’s legitimacy, research the company and identify if it is a collector. If it is, block the number, send a cease and desist letter, and report any violations under the Fair Debt Collection Practices Act (FDCPA).

If the debt is legitimate, negotiate a payment plan, assert your rights, and consult a credit counselor or attorney. Monitor your credit report and keep detailed records of your interactions with the collector. By following these steps, you can ensure you are handling any calls from 978-225-6004 responsibly and in accordance with your rights.