Who Is 6782506354 (+ How Are They Hurting My Credit Score)

The phone number 6782506354 is associated with Hollis Cobb Associates, a debt collection agency. However, it could also be a scam. You should not engage with any calls or messages from this number. Instead, you should consider these steps:

1. Pull Your Credit Report: Check for any potentially inaccurate or negative items that might affect your score.
2. Verify the Debt: If Hollis Cobb Associates appears as a collection agency on your report, the call might be legitimate. Always verify the debt before making any payments.
3. Get Help: Contact a reputable credit repair company for a free 3-bureau credit report evaluation. Experts can help you dispute any potentially inaccurate negative items and improve your financial health.

To sum up, if you receive a call from 6782506354, verify the debt condition first, check your credit report for inaccuracies, and consider reaching out to credit repair professionals for assistance.

To stop 6782506354 from harassing you, follow these steps:

First, document everything. Keep a detailed log of each call, noting dates, times, and any abusive language. Then, register your number at DoNotCall.gov and block the number through your phone's call-blocking feature or by contacting your service provider.

Next, use call-blocking apps, such as 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple. This can further help prevent these unwanted calls.

You should also report to the authorities. File complaints with the FCC for illegal robocalls or spoofed calls at fcc.gov/complaints, and with the FTC for telemarketing violations or general unwanted calls via ReportFraud.ftc.gov or DoNotCall.gov. If the calls are financially related, document all interactions and submit a complaint to the CFPB at consumerfinance.gov/complaint, or by calling (855) 411-2372.

Contact your phone carrier to ask about call-blocking tools and options. Some carriers may require you to file a police report to escalate the matter. For serious threats or obscene calls, file a report with local law enforcement. Provide them with detailed information about the caller and the nature of the calls.

If the harassment continues, send a cease and desist letter. Use a template from eforms.com/cease-and-desist. Lastly, consider legal action. Hiring a harassment lawyer or seeking a restraining order might be necessary.

To wrap things up, you should document the calls, use call-blocking features and apps, report the harassment to the proper authorities, ask your phone carrier for help, involve local law enforcement as needed, and consider sending a cease and desist letter or taking further legal action.

You should definitely block 6782506354. If you ignore the calls, you might receive continuous calls that disrupt your day. Blocking the number has no negative consequences for you and is a smart move, especially if the number is from a debt collector who might be harassing you. Blocking them will not impact your credit score.

However, if you suspect there’s already a negative item on your credit report due to this debt, it is crucial that you address any inaccuracies on your report. Consider working with a reputable credit repair company like The Credit Pros to help manage and possibly remove inaccurate negative items.

Here’s what we advise you to do:
• Block the number to avoid constant calls.
• Check your credit report for any related negative items.
• Contact a reputable credit repair company to handle any issues.

In the end, blocking 6782506354 helps you avoid harassment, checking your credit report ensures accuracy, and contacting a credit repair company provides expert help.

Yes, a debt collector like 678-250-6354 can sue you, but it’s very unlikely. Lawsuits are typically a last resort, especially for amounts over $5,000. First, they must prove that you owe the debt, the amount is correct, and they have the right to sue, which can be challenging. Suing is expensive and time-consuming, and they often prefer to settle outside of court.

Here are some more details:

- They need to prove you owe the debt and have the right to sue.
- Lawsuits involve high costs and effort, making them less preferred.
- Each state has a specific time frame (statute of limitations) when they can sue, after which it’s unlikely.

Debt collectors usually try calls and letters first. If you do get sued, you’ll receive a court summons and must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is rare.

Remember, under the Fair Debt Collection Practices Act (FDCPA), you have protections against abusive or deceptive practices. Consult an attorney if you get sued to understand your options and defenses.

As a final point, if a debt collector like 678-250-6354 sues you, they must prove you owe the debt, which is costly and complicated. They usually prefer settling outside court. If sued, respond to the court summons to avoid default judgments. You have protections under FDCPA, so consider consulting an attorney for guidance.

6782506354 might have your personal information. If they call, don't provide any details. It's best if you don't even pick up. Interacting with debt collectors might make the situation worse. Block the number immediately.

You should focus on your credit report. Get your 3-bureau credit report and begin building a plan to improve your credit. We advise you to work with a reputable credit repair company. They can help you resolve inaccuracies and guide you on improving your credit.

Here’s what we advise you to do:
• Block the number 6782506354.
• Obtain your 3-bureau credit report.
• Seek help from a reputable credit repair company.

Bringing it all together – block the number to avoid trouble, get your credit report, and work with a reputed credit repair service to improve your financial health.

The types of debt collected by 6782506354 include overdue consumer debts such as credit card balances, medical bills, and personal loans. They also handle commercial debts for businesses. You should know they collect debt for various creditors, but you won’t find specific brands mentioned.

• Consumer debts collected: credit card balances, medical bills, personal loans.
• Commercial debts collected: debts from businesses.
• Collects on behalf of various creditors.

All things considered, the types of debt collected by 6782506354 range from consumer debts like credit card balances and medical bills to business debts, ensuring you are aware of their extensive portfolio.

To check if you owe money to 6782506354, follow these steps:

First, check your records. Look through old bills, account statements, or receipts to see if there's an outstanding balance linked to Hollis Cobb Associates.

You should review your credit report. Get a copy from all three major credit bureaus. If a debt appears, request validation from the collections agency to confirm it's yours.

Avoid direct contact with the debt collector. Engaging can restart the statute of limitations on old debts, potentially causing more issues.

Consider consulting a lawyer if you face harassment or disputes over the debt. A consumer protection lawyer can provide guidance and help resolve any issues.

Gather as much documentation as possible from your records and credit reports before taking further action.

Lastly, remember that checking your records, reviewing your credit report, avoiding direct contact, and consulting a lawyer can help you manage this situation effectively.

Debt collection laws and regulations protect you from harassment by providing clear guidelines. The main federal law, the Fair Debt Collection Practices Act (FDCPA), protects you from abusive, deceptive, and unfair practices by third-party debt collectors like Hollis Cobb Associates. This law covers personal, family, and household debts, but not business debts.

Under the FDCPA, debt collectors cannot:

• Contact you before 8 AM or after 9 PM.
• Call you at work if your employer prohibits such calls.
• Use obscene, profane, or abusive language.
• Threaten violence or criminal actions.
• Repeatedly call you with the intent to harass.
• Falsely represent themselves as attorneys or government officials.
• Disclose your debt to third parties without your permission.
• Demand larger payments than what is legally owed.

Debt collectors must provide a written validation notice within five days of contacting you. This notice must include the amount owed, the name of the creditor, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, collection efforts must stop until the debt is verified.

You have the right to request that a debt collector stop contacting you. This request must be in writing. If a debt collector violates these rules, you can sue them within one year for damages, including attorney fees.

State laws may offer additional protections. For example, New York has strict licensing requirements for debt collectors. You should check with your state’s attorney general for more details on local laws.

If you believe Hollis Cobb Associates or any other debt collector has violated your rights, you can report them to the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or your state attorney general.

Finally, remember these protections are in place to help you. If you feel harassed by 6782506354, take action based on these guidelines and report any violations.

Yes, Hollis Cobb Associates has had lawsuits filed against them. Below are some of the notable lawsuits and official complaints linked to them:

You will find that they have faced multiple cases under the Fair Debt Collections Practices Act (FDCPA). They’ve been accused of harassing consumers by attempting to collect debts even after the consumers had filed for bankruptcy.

Frequent complaints include:
• Repeated Contact Post-Bankruptcy: You might find them still contacting you even after your bankruptcy filing, which is a form of harassment.
• Inaccurate Debt Collection: They have been reported for contacting individuals for debts they do not owe, causing stress and confusion.
• Unfair Practices: You might experience aggressive and unfair debt collection tactics from them.

If you’ve encountered any of these issues, you should consider your legal options or file a complaint with the appropriate regulatory bodies.

In closing, if you’ve faced harassment or inaccuracies from Hollis Cobb Associates, exploring your legal options and filing complaints can help address these issues effectively.

What Do People Online Say About 6782506354

You may be wondering what people online say about 6782506354. On Reddit, user u/JoblessJoe_471 mentioned: '6782506354 keeps calling me about some debt I don’t owe. Super annoying.' Similarly, user u/PurplePanda77 stated that 'This number calls multiple times a day. I picked up once, and it was a debt collector.' Meanwhile, u/SkepticalSally3 shared: 'Blocked 6782506354 after they kept asking for personal info over the phone.' Lastly, u/AnxiousAunt commented, 'Got a call from 6782506354. They knew my name but didn’t know my address correctly. Seemed fishy.'

If you analyze the general sentiment online, you will find it’s overwhelmingly negative regarding this number. Users report frequent, persistent calls, often from a debt collection agency. Many are wary of the calls seeking personal information and have chosen to block the number for peace of mind.

Overall, if you get a call from 6782506354, you might experience repeated, unwanted contact, and many users recommend blocking the number to avoid potential issues.

You really need to remove 678-250-6354 from your credit report if it belongs to Hollis Cobb Associates and you confirm it is inaccurate. This is crucial because any collection account can damage your credit score, making it harder for you to secure loans or credit at reasonable interest rates.

You should start by confirming the accuracy of the collection account. If it's inaccurate, consider skipping the time-consuming dispute process and instead, reach out to a reputable credit repair company, such as The Credit Pros. They specialize in removing potentially inaccurate negative items from credit reports, which increases your chances of success.

• Confirm the collection account's accuracy.
• Avoid hiring poorly rated credit repair companies.
• Work with a reputable credit repair company for efficient disputes.

As a final point, make sure you confirm the account details, avoid poorly rated companies, and partner with a reputable credit repair firm to ensure the accuracy of your credit report and save yourself time and effort.

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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.

• 8067622090
• 4176277990
• 8882969476
• 8665730905
• 6026272204
• 6512730795
• 8884417563
• 8667383531
• 6782506354
• 2142724926
• 8558754065
• 2146468995