Who is 3852978567 and why are they calling me?

When you receive a call from 3852978567, it's likely a debt collection agency, but could be a scam. You shouldn't engage with the caller directly. You're not obligated to pay immediately if you're unsure about the debt. Instead, we advise you to take these steps:

• Block the number to reduce your stress
• Pull your credit report to check for any issues
• Look for potentially inaccurate negative items on your report

We understand this situation is stressful for you. The Credit Pros can help you by:

• Verifying any debt from this collector on your behalf
• Disputing potentially inaccurate negative items on your credit report
• Improving your overall financial outlook

We've helped thousands of people with similar calls. Whether it's legitimate or not, your next steps are the same. You should let us give you a free 3-bureau credit report evaluation. We'll analyze it for issues that could hurt your score and guide you towards better financial health.

To finish up, remember that you're not alone in this. You should block the number, check your credit report, and reach out to us for help. We're here to support you through this process and help you take control of your financial future.

Here's how you can stop 3852978567 from harassing you and report them:

First, you should document every interaction. Log the dates, times, and any abusive language used during calls. This will help you build a strong case.

Next, we recommend you register your number on the Do Not Call Registry. You can do this easily by visiting DoNotCall.gov. This step alone might reduce unwanted calls.

You should also block the number using your phone's call-blocking feature. If you're unsure how to do this, ask your service provider for help. Alternatively, you can use apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple.

We advise you to send a cease and desist letter. You'll find a helpful template at eforms.com/cease-and-desist/. This legally demands that the harassment stop.

Now, let's talk about filing complaints:

• You should report illegal robocalls or spoofed numbers to the Federal Communications Commission (FCC) at fcc.gov/complaints.
• For telemarketing violations, file a complaint with the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.
• You can also submit a complaint to the Consumer Financial Protection Bureau (CFPB) online, by phone, or by mail.

Don't forget to check with your local or state consumer protection office. They might have additional reporting mechanisms you can use.

To finish up, remember that you're not alone in this. By following these steps, you're taking control of the situation. You're protecting yourself and potentially helping others who might be experiencing similar harassment. Stay strong, and don't hesitate to seek further help if you need it.

You should block 3852978567 to protect yourself from unwanted calls and texts. Here's why this is the best course of action:

When you block the number, you gain peace of mind and control over your communication. You don't need to worry about your credit score - any potential damage has already occurred if it's a collection call. Remember, you're not legally obligated to talk to debt collectors.

We recommend you take these steps:

• Block the number right away
• Don't engage with them directly
• Work with a reputable credit repair company like us to handle any disputes

By blocking the number, you reduce stress and can focus on improving your financial situation. We understand this process can be overwhelming, but you have rights. We're here to support you every step of the way and help clean up your credit report if needed.

It's important to note that blocking doesn't make the debt disappear. However, it gives you space to address it properly with professional help. We can guide you on the best steps to take next.

To finish up, remember that you're in control. By blocking the number and seeking professional help, you're taking positive steps towards financial health. We're here to help you navigate this challenging situation and work towards a brighter financial future.

Yes, a debt collector like 3852978567 can sue you, but it's unlikely. You'll typically receive calls and letters first as suing is expensive for them. They usually only pursue legal action for substantial debts, often over $5,000.

If you're sued, the collector must prove:
• You owe the debt
• The amount is correct
• They have the legal right to sue

This can be challenging if the debt has changed hands. You should know that debt collectors must sue within the statute of limitations, which varies by state.

If you receive a court summons, it's crucial that you respond to avoid a default judgment. This could lead to wage garnishment or bank levies. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA).

We strongly advise you to consult with an attorney if you're facing a lawsuit. They can help you understand your options and protect your rights.

To finish up, if you're worried about being sued by a debt collector, you should:
1. Verify the debt's validity
2. Know your rights under the FDCPA
3. Respond to any court summons promptly
4. Seek legal advice if needed

Remember, while being sued is possible, it's not the most common approach for debt collectors. Stay informed and proactive to protect yourself.

You should never provide personal information to 3852978567 or any other debt collector. It's crucial that you don't answer their calls, as engaging with them could expose you to potential scams or fraud. Instead, we advise you to focus on getting your three-bureau credit report and creating a plan to boost your credit.

We understand this situation can be stressful. Here's what you should do:

• Block the number to stop further contact and reduce stress.
• Get your credit reports from Experian, Equifax, and TransUnion.
• Reach out to a reputable credit repair company for help.

Working with a credit repair company is often your best bet. They have the expertise to handle inaccuracies on your credit report and can guide you towards better financial health. These professionals can help you dispute any errors and develop strategies to improve your credit score.

Remember, you're not alone in this. Many people face similar challenges with debt collectors. By taking these steps, you're actively working towards a better financial future.

To wrap things up, block that number, get your credit reports, and team up with a credit repair expert. You've got this!

Express Recovery Services collects various types of debt for you. These include your credit card accounts, medical bills, utility bills, and loans. You might receive calls from them if you have unpaid debts from different sources.

When Express Recovery Services contacts you, it's important to understand their role. They either collect on behalf of your original creditor or purchase delinquent accounts themselves. This means you're dealing with a third-party collector, not your original creditor.

Here's what you should know about the types of debt they might be calling about:

• Credit card debt: This is one of the most common types they collect.
• Medical bills: Unpaid hospital or doctor's bills often end up with collectors.
• Utility bills: Overdue electricity, water, or gas bills can be sent to collections.
• Personal loans: Defaulted loans from banks or other lenders may be pursued.

You have rights when dealing with debt collectors like Express Recovery Services. It's crucial that you know these rights to protect yourself. We advise you to request validation of any debt they claim you owe before making payments.

To finish up, remember that you're not alone in this situation. Many people deal with debt collectors. You should always verify the debt, know your rights, and consider seeking professional advice if you're unsure how to proceed. Your financial well-being is important, and there are steps you can take to manage this situation effectively.

To check if you owe money to 3852978567, start by gathering your financial records. Look through your bills, statements, and receipts for any mention of this number. You should also review your credit report to see if there's any debt associated with it.

If you find questionable entries, don't rush to contact the collections agency. Instead, we recommend you request debt validation first. This means the agency needs to prove you actually owe the money. You can do this by reaching out to Express Recovery Services directly.

It's crucial that you avoid contacting the collections agency too early. Why? Because this might restart the statute of limitations on the debt. Instead, make sure you have all your documentation and proof ready. If you're feeling harassed or unsure about any disputed debts, we suggest you consult a consumer protection lawyer for guidance.

Here are some practical steps you can take:

• Go through your records: You should look for any final bills, statements, or receipts related to this number.
• Check your credit report: Look for any entries that might be connected to this debt.
• Ask for debt validation: Make sure you confirm that the debt is legitimate before taking any action.
• Talk to a lawyer: If you're dealing with harassment or disputes, getting legal advice can be very helpful.

To wrap things up, remember that being proactive and organized is key. By following these steps, you'll be better equipped to handle any potential debt and protect your financial well-being.

You have several laws and regulations protecting you from debt collection practices by 3852978567 (likely Express Recovery Services). The Fair Debt Collection Practices Act (FDCPA) is your main federal shield. It prohibits third-party collectors from using abusive, deceptive, or unfair tactics for personal, family, and household debts.

Under the FDCPA, you're protected from:
• Calls before 8 AM or after 9 PM
• Use of obscene language or threats
• Harassment or false representation as attorneys or officials

You have the right to request, in writing, that the collector stops all communication. They must also provide a written validation notice detailing the debt and your right to dispute it. If you dispute the debt in writing within 30 days, they must verify it and pause collection efforts.

Many states offer additional protections. We recommend you check with your state attorney general's office for specific laws in your area. These might include stricter licensing requirements or extra prohibitions on unfair practices.

If a collector violates the FDCPA, you can sue them within a year for damages up to $1,000 plus attorney fees. You can also report violations to the FTC, CFPB, and your state attorney general.

To finish up, remember you have strong legal protections. Don't hesitate to assert your rights if you feel they're being violated. We suggest contacting a consumer rights attorney or reputable credit repair company for personalized guidance in navigating these protections.

Express Recovery Services has faced several lawsuits and complaints. You should know about the case "AMANDA PHILHOWER v. EXPRESS RECOVERY SERVICES, INC. & EDWIN B. PARRY, P.C.," which involved allegations of unfair debt collection practices. Additionally, the federal government sued Express Recovery, though specific details aren't available.

You'll find that Express Recovery Services has received numerous consumer complaints. The Better Business Bureau (BBB) has logged 27 complaints in the last three years, mainly about harassment and inaccurate debt collection. Similarly, the Consumer Financial Protection Bureau (CFPB) has registered complaints against them for comparable issues.

These lawsuits and complaints suggest potential problems with Express Recovery Services' debt collection methods. You should be aware of your rights when dealing with them. Here's what we advise you to do:

• Always verify the debt they claim you owe
• Document all interactions with the company
• Report any harassment or unfair practices you experience

To wrap things up, you need to stay vigilant and assertive when dealing with Express Recovery Services. Remember, you have the right to dispute inaccurate debts and protect yourself from unfair collection practices.

People online have shared mixed experiences about calls from 385-297-8567. You'll find both frustration and appreciation in their comments. Here's what you need to know:

• Some users report persistent calls about old medical bills, finding it annoying.
• Others have had helpful interactions, successfully setting up payment plans.
• The number is associated with Express Recovery Services.
• Some users warn about potential rule-breaking by the callers.

You should be aware that this number might contact you about outstanding debts. If you receive a call, you can expect either a persistent collector or potentially helpful service. However, it's crucial that you verify any claims before making payments.

We understand dealing with debt collectors can be stressful. You should consider your options carefully. If the calls become disruptive, you might want to block the number. Alternatively, you could engage with them to resolve any legitimate debts.

To finish up, remember that you have rights when dealing with debt collectors. You shouldn't hesitate to ask for debt verification if you're unsure. Stay informed and protect yourself while addressing any valid financial obligations.

You should remove 3852978567 from your credit report if it's potentially inaccurate. Don't waste your time with typical credit repair companies - most are scammy and ineffective. If you try disputing on your own, you'll find it time-consuming and stressful. Instead, we recommend you reach out to a reputable company like The Credit Pros to handle this for you. We can save you hours of effort and maximize your chances of removing this potentially inaccurate negative item.

A quality credit repair service makes a world of difference in these situations. Here's what we advise you to do:

• Confirm the collection is actually on your report
• Verify if it's potentially inaccurate
• Avoid shady credit repair companies
• Don't attempt disputes alone - it's a hassle
• Let experts handle it to save you time and stress

We understand that dealing with collections is frustrating for you. But you've got options. When you work with professionals, you streamline the process and improve your odds of success. To wrap things up, remember that you don't have to face this alone - we're here to help get your credit back on track quickly and effectively.

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.

• 8775305725
• 2035744200
• 8882996428
• 8008887243
• 8338560293
• 5704435120
• 4692906361
• 7196341357
• 3852978567
• 5597337550