Home / Who Is 2816701575 (+ How Are They Hurting My Credit Score)

Who Is 2816701575 (+ How Are They Hurting My Credit Score)

  • Phone number 2816701575 is likely a debt collector called:' FMA Alliance, Ltd.'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
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Main phone number related with this page is: 2819754240

The number 2816701575 likely belongs to FMA Alliance, Ltd., a debt collection agency. If you’re getting spam calls, they might be trying to collect a debt you owe. Ignoring or blocking the calls might give you temporary relief, but it won't solve the real issue affecting your credit score.

When FMA Alliance, Ltd. starts calling, it usually means they’ve bought an outstanding debt of yours. Blocking the number can stop the harassment temporarily, but it doesn't fix the problem. The best move is to tackle the issue head-on by verifying if the debt is legitimate. Ignoring these calls only delays resolving a problem that could be hurting your credit score.

Call The Credit Pros, and we'll help you assess your entire 3-bureau credit report. We’ll identify if this is a debt collector and check for other potentially inaccurate negative items affecting your score. We've helped countless people in similar situations remove these inaccuracies, leading to a significant credit score boost and a better financial situation. Say goodbye to those harassing calls for good!

Who Is 2816701575: Scam Or Legitimate

The phone number 2816701575 is associated with FMA Alliance, Ltd., a debt collection agency. This could be legitimate or a scam. It's important that you don't engage with the caller directly. You should not pay immediately if you have doubts. Instead, get a free 3-bureau credit report evaluation from us to check for inaccurate, negative items that might hurt your score. Whether this call is legit or not, your steps remain the same: pull your credit report and look for potentially incorrect negative items.

Here’s what we advise you to do:
- Request a credit report evaluation from us.
- Identify and dispute any inaccuracies in your credit report.
- Don’t engage with the caller until the debt is verified.

To sum up - You should verify the debt first by checking your credit report, dispute any inaccuracies, and avoid directly engaging with the caller until you have clarity. We are here to help you every step of the way.

How Do I Stop 2816701575 From Harassing Me (How To Report Them)

To stop 2816701575 from harassing you and report them, follow these steps:

First, document every unwanted interaction, noting dates, times, and any abusive language. Register your number on the DoNotCall.gov list. You can also block the number directly on your phone or contact your service provider for assistance.

Next, consider using call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

If the calls persist, take more serious steps:
• Obtain a restraining order if the calls are threatening.
• Hire a harassment lawyer.
• Send a cease and desist letter using a template from eforms.com.

Report the harassment to authorities. File a complaint with the Federal Communications Commission (FCC) at FCC.gov and the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or DoNotCall.gov. You can also contact the Consumer Financial Protection Bureau (CFPB) by calling (855) 411-2372 or mailing a letter to CFPB, 1700 G Street, NW, Washington, DC 20552.

Additionally, if you use Nomorobo, report unwanted robocalls through their platform and contact your phone carrier about more call-blocking tools. Finally, check with your local or state consumer protection office for more resources or complaint options.

To wrap things up - document interactions, block the number, and use apps or legal actions if needed. Report the harassment to FCC, FTC, and CFPB for further assistance in stopping 2816701575 from bothering you.

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 2816701575

You should block 2816701575. Blocking this number has no negative consequences and can immediately reduce stress from unwanted calls, especially if it's a debt collector harassing you.

If you just ignore the calls, they will likely continue to disrupt your day. Blocking the number stops the calls right away, giving you peace of mind.

Your credit score won’t drop further just because you block this number. However, it is crucial that you address any inaccuracies on your credit report. You can work with a reputable credit repair company to help resolve these issues effectively. They can assist you in disputing and potentially removing any incorrect listings.

In the end, you should block 2816701575 to stop the calls and work with a credit repair company to handle any debt-related issues.

Can A Debt Collector Like 2816701575 Sue Me

Yes, a debt collector like 2816701575 can sue you, but it's unlikely unless you owe a significant amount, typically over $5,000. They must prove that you owe the debt, the amount is correct, and they have the legal right to sue, which can be difficult if the debt has changed hands multiple times. Lawsuits are costly and time-consuming, so collectors usually prefer to settle out of court.

You should know that each state has a statute of limitations, defining the period within which a collector can sue you. If your debt is old, it might be beyond this period, making a lawsuit less likely. Debt collectors usually start with calls and letters. If they decide to sue, you will receive a court summons and complaint. You must respond on time to avoid a default judgment, which could lead to wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive practices. For more support, consider consulting an attorney if you're sued.

As a final point, remember: debt collectors like 2816701575 can sue, but it’s rare. They need to prove their case, and suing is often their last resort. Be aware of your rights and seek legal advice if needed.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

2816701575 Might Have Your Personal Information

2816701575 might have your personal information. Here's what we advise you to do:

Do not provide any personal information to debt collectors who call you. Scammers can easily use your phone number to unlock personal data about you. If you ignore them, you might receive continuous calls that disrupt your day. Instead, try to block the number to avoid further disturbances.

You should always obtain your 3-bureau credit report. This helps you understand your credit situation and spot any inaccuracies. Working with a reputable credit repair company can guide you securely through the process. They have the expertise needed to help you dispute inaccuracies and improve your credit, ensuring that your information is handled safely.

Bringing it all together – block any suspicious numbers, check your 3-bureau credit report for inaccuracies, and work with a trustworthy credit repair company to protect and improve your credit health.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 2816701575

FMA Alliance, Ltd. collects a variety of debts, including credit card accounts, medical bills, loans, and unpaid utility bills. You might notice they buy delinquent debts from original creditors and then work hard to recover as much as possible. They also collaborate with federal and state governments to collect unpaid loans, fines, penalties, and child support, often using wage garnishment and payment offsetting strategies.

To help you settle your debts, FMA Alliance, Ltd. might negotiate settlements for less than the amount owed. If needed, they can refer cases to lawyers who can pursue lawsuits to obtain court judgments.

All things considered, FMA Alliance, Ltd. can collect many kinds of debts, from personal loans to utility bills, even using legal means when necessary.

How Do I Check If I Owe Money To 2816701575

To check if you owe money to 2816701575, follow these steps:

First, access your credit reports from Experian, Equifax, and TransUnion via AnnualCreditReport.com. Look for any accounts or collections linked to FMA Alliance, Ltd. These reports show debts up to 7-10 years old.

Next, go through past bills, account statements, and any correspondence via mail or email. Search for any final bills or equipment return receipts that might link to the debt.

Then, if a debt appears on your credit report, send a written request for debt validation to the collections agency. They must provide proof and details of the debt.

Be cautious of any communications that seem suspicious. Real debt collectors will already have your information, so beware of those who ask for personal details.

Lastly, if the debt seems incorrect or you're being harassed, consider consulting a consumer protection lawyer. Gather as much documentation as you can before reaching out to Spectrum or FMA Alliance, Ltd. Taking proactive steps helps you avoid any inaccurate collection efforts impacting your credit.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 2816701575

You’re protected by several laws and regulations when dealing with debt collectors like the one using 2816701575. The main federal law is the Fair Debt Collection Practices Act (FDCPA). It prohibits abusive, deceptive, or unfair practices by third-party debt collectors. For example, they can't call you before 8 AM or after 9 PM, contact you at work if your employer forbids it, use abusive language, or threaten you. They must also provide a written validation notice about your debt and stop collection if you dispute it within 30 days until they verify it.

State laws may offer additional protections. Some states require strict licensing for debt collectors and may provide further restrictions to ensure your rights are protected. You can contact your state attorney general's office for more details on these laws.

Moreover, if you're facing problems, you can report these issues to the Consumer Financial Protection Bureau (CFPB). They ensure that financial companies treat you fairly and can help address your complaints.

Remember, you have the right to demand that a debt collector stop contacting you, and if they violate the FDCPA, you can sue them within one year for damages.

Finally, stay informed about the protections offered by the FDCPA and your state laws, report any issues to the CFPB, and don't hesitate to demand your rights.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 2816701575/Fma Alliance, Ltd. Have Any Lawsuits Against Them

Yes, FMA Alliance, Ltd. has faced lawsuits. For instance, Paul Jones sued FMA Alliance Ltd. for allegedly breaching the Telephone Consumer Protection Act (TCPA) and Chapter 93A of Massachusetts General Laws, though the case was dismissed. Numerous official complaints are also filed against FMA Alliance Ltd. regarding debt collections.

You should know that the Better Business Bureau (BBB) has recorded 11 complaints in the past three years. The Consumer Financial Protection Bureau (CFPB) reported 135 complaints against FMA Alliance. Most complaints relate to unauthorized bank account payments and inadequate debt validation. For example, one consumer claimed FMA Alliance withdrew $385.15 from their bank account without consent and failed to refund them properly.

In closing, FMA Alliance Ltd. has been involved in lawsuits and complaints, mainly related to unauthorized charges and poor debt validation. It's important to stay informed about these issues and take necessary precautions to protect yourself.

What Do People Online Say About 2816701575

Here’s what people online say about 2816701575:

You’ll find multiple reports claiming the number is from FMA Alliance, a debt collection agency. JaneDoe123 on Reddit shared, “I received multiple calls from this number. They claimed to be FMA Alliance trying to collect a debt. I don't owe anything, so I blocked them.” Another user, CallBlocker, mentioned, “Persistent robocalls from 2816701575. They leave automated messages claiming I owe money. I looked it up, and it’s from a debt collector. Be cautious.”

If you receive calls from 2816701575, it’s best to block the number and verify any claims directly with your creditors. It's crucial that you don’t engage without verification.

Overall, people online report 2816701575 as a debt collection attempt, often from FMA Alliance, and recommend blocking the number to avoid persistent, unsolicited calls.

Do I Really Need To Remove 2816701575 From My Credit Report

Yes, you really need to remove 2816701575 from your credit report if it's potentially inaccurate. You should confirm that this collection is on your report and check if it belongs to you or if it's an error.

Disputing on your own can take a lot of time and effort. We advise seeking help from a reputable credit repair company instead. Avoid typical credit repair companies that have poor reviews and don't effectively remove negative items.

Consider reaching out to trusted services like The Credit Pros. They can help you save time and increase the chances of successfully removing inaccuracies from your report.

Here are the key steps you should take:
• Confirm the collection is on your credit report.
• Identify if the collection is potentially inaccurate.
• Avoid disputing on your own due to the time and effort required.
• Seek help from a reputable credit repair company for better results.

As a final point, by confirming the collection, identifying inaccuracies, and seeking help, you can improve your credit report effectively.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

Here are other formats 2816701575 can be written

- +1 281-670-1575
- +1 (281) 670-1575
- +1 281 670 1575
- (281) 670-1575
- 281-670-1575
- 281.670.1575
- 281 670 1575
- +12816701575
- (281) 670-1575
- 281.670.1575
- 2816701575

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

List of every other phone number that FMA Alliance, Ltd. uses:

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

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