Who is 6785804712 (+ how are they hurting my credit score)

The number 678-580-4712 is linked to the Patient Accounts Bureau, a medical debt collection agency. However, it might also be a scam. You should not engage with the caller directly. If you're unsure about the debt, don’t rush to pay. Instead, get a free 3-bureau credit report evaluation from us to check for any inaccuracies or negative items that could harm your credit score.

Here's what we advise you to do next:
- Pull your credit report and analyze it for inaccuracies.
- If you see Patient Accounts Bureau listed as a collection item, the call is likely legitimate, but you should still avoid responding directly.
- We can help you verify your debt, dispute inaccuracies, and improve your financial health.

Remember, we’re here to assist you with these spam calls. Stay cautious and take control of your financial situation.

To sum up, you should get a credit report, verify the debt's legitimacy, and seek our help to address any inaccuracies and improve your financial health. Stay vigilant and proactive in managing your finances.

If you're being harassed by 6785804712, here's what you can do:

First, document every interaction. Keep a detailed log with dates, times, and any abusive language. This evidence will be crucial if you need to take legal action.

Next, register your number on the Do Not Call Registry at DoNotCall.gov. Use your phone’s call-blocking feature or contact your service provider for assistance.

If the harassment continues, you might need to escalate your actions:
- Consider getting a restraining order if the calls don't stop or threats escalate.
- Hiring a harassment lawyer can guide you through the legal process.
- Sending a formal cease and desist letter, which you can find a template for at eforms.com/cease-and-desist, may also be effective.

Utilize call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices to minimize interruptions.

Report the harassment to authorities:
- File a complaint with the FCC for illegal robocalls or spoofing.
- Report telemarketing violations to the FTC.
- Submit a complaint with the CFPB if you suspect any financial malfeasance.

Additionally, if you're using Nomorobo, report the unwanted robocalls directly through their platform. Contact your phone carrier for any further call-blocking options they might offer and check with your local or state consumer protection office for additional resources.

To wrap things up-record interactions, register your number, escalate if necessary, and use call-blocking apps. Report the harassment to relevant authorities and involve your phone carrier and local protection offices for additional support.

You should block 6785804712, especially if it's from a debt collector like the Patient Accounts Bureau. If you block the number, you will prevent further harassment, and this won't impact your credit score. Ignoring calls can cause stress, but by taking control and blocking them, you can reduce this stress.

Blocking the number won't erase any debt from your credit report. To handle any inaccuracies or disputes, you should work with a reputable credit repair company. By blocking calls, you can focus on resolving these issues without the added stress of constant harassment.

In summary, blocking the number helps you avoid harassment, won't harm your credit score, and allows you to focus on resolving any debt issues with professional assistance.

In the end, you should block 6785804712 to stop the harassment, maintain your peace of mind, and work with a credit repair company to address any disputes.

Yes, a debt collector like 6785804712 can sue you, but it's very unlikely. Lawsuits usually happen only if the debt amount is substantial, often over $5,000. They must prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging if the debt has changed hands multiple times.

Debt collectors prefer calls and letters to collect the debt first because suing is expensive and time-consuming. If the debt is old, the statute of limitations in your state may also prevent them from suing.

If they do decide to sue, you’ll get a court summons and complaint. You must respond within the deadline 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) protecting you from abusive or deceptive practices. If you receive a lawsuit, consider consulting with an attorney to understand your options and defenses.

As a final point, remember that while a debt collector like 6785804712 can sue you, it's rare. Focus on knowing your rights, addressing any legal actions promptly, and seeking professional advice as needed.

If 678-580-4712 is calling you, they might have your personal information. Don't provide any information to debt collectors like this one. It’s best not to even pick up their calls. Engaging with them doesn't change what you need to do. You should get your three-bureau credit report and start building a comprehensive plan to improve your credit.

You should block the number to stop the calls. Obtain your three-bureau credit report. Contact a reputable credit repair company for assistance. Working with a reputable credit repair company is likely your best bet. They can help remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from your report. This will save you stress, hassle, and time. Companies like Credit Glory can offer a free consultation to review your credit report and walk you through your best options.

Bringing it all together - You should block the number, check your credit report, and seek help from a reputable credit repair company to take control of your financial situation effectively.

6785804712, associated with Patient Accounts Bureau, focuses exclusively on collecting medical debt. They collaborate with healthcare providers to retrieve unpaid medical bills from patients. If you owe money for medical services, they are likely the ones contacting you.

They do not handle debts such as credit card or personal loans. Their expertise is solely in medical collections, so any communication from them will pertain to outstanding medical bills.

All things considered, if you receive calls from 6785804712, it’s about unpaid medical debt that needs your attention.

To check if you owe money to 6785804712, start by reviewing your records. Look through your final bills, account statements, or any equipment return receipts to identify outstanding balances.

Next, get your free credit report from AnnualCreditReport.com or the credit bureaus: Experian, TransUnion, and Equifax. Your credit report will list any reported debts and their respective creditors. If you spot a debt, request validation from the collections agency to ensure it's yours and accurately reported.

Avoid contacting 6785804712 directly, as doing so might reset the statute of limitations on old debts. Instead, if you face harassment or have disputes, consult a consumer protection lawyer for guidance. Additionally, be cautious about scams; verify the legitimacy of any debt notice by checking online and contacting the collection company.

Gathering as much documentation as possible helps protect your credit and ensures accurate collection efforts.

Lastly, ensure you review your records, check your credit report, request debt validation, avoid direct contact, and seek legal advice if necessary.

You are protected by several laws and regulations from debt collectors like the Patient Accounts Bureau.

1. Fair Debt Collection Practices Act (FDCPA):
- Prohibits Abusive Practices: Collectors can't use abusive, deceptive, or unfair methods.
- Timing of Contact: They can't call before 8 AM or after 9 PM.
- Workplace Calls: They can't call you at work if your employer doesn't allow such calls.
- Prohibited Conduct:
- No abusive language.
- No threats of violence or criminal actions.
- No harassment through repeated calls.
- No false representation as attorneys or government agents.
- No disclosing your debt to third parties without permission.
- No demanding payments larger than what is legally allowed.
- Required Disclosures:
- Must provide a written validation notice about the debt.
- Must stop collection efforts until they provide verification if you dispute the debt in writing within 30 days.

2. State Debt Collection Laws:
- Many states have laws offering additional protections beyond the FDCPA.
- Example: New York requires debt collectors to be licensed.

3. Your Rights:
- Stop Communication: You can request in writing that the collector stops contacting you.
- Attorney Representation: If you have an attorney, collectors must communicate with them.
- Legal Actions: You can sue collectors for FDCPA violations within one year and recover damages.
- Report Violations: You can report to the FTC, CFPB, state attorney general, etc.

Finally, you are protected by laws like the FDCPA and state regulations to ensure fair treatment from debt collectors. If you need help, consider contacting a reputable credit repair company like The Credit Pros.

No lawsuits specifically found for 6785804712, but yes, the Patient Accounts Bureau (PAB) has faced several lawsuits. Here are some notable examples:

- Federal Litigation Cases: PAB has been involved in numerous federal court cases alleging their use of illegal and harassing collection methods.
- Harassment Complaints: Many consumers have reported abusive and deceptive collection tactics, violating FDCPA regulations.
- Empty Threats: PAB is known for making threats about wage garnishment and other legal actions without valid grounds.

If you experience harassment, consider filing a complaint or consulting a debt harassment lawyer.

In closing, while there are no specific lawsuits found for 6785804712, it's clear that the Patient Accounts Bureau has a history of legal issues related to their collection practices. If you face any harassment, taking legal action or seeking professional advice might be your best course of action.

People online have shared various comments about the phone number 6785804712.

You might find it mentioned on Reddit, where user skybotsd says, 'Got a call from 6785804712. It was a debt collector, pretty annoying!' Jessrealxo added, 'They called me regarding an old medical bill. Seemed legit but a bit pushy.' Another user, piiron_c9e571abcc4027dbd529, commented, 'This number keeps calling me. I blocked it.' Meanwhile, user entropy warned, 'I keep getting calls from 6785804712. It's a scam.'

On Robokiller, users reported similar experiences:
• 'Debt collector' (June 23, 2022)
• 'Medical debt collector' (January 20, 2022)
• 'Fake debt collectionz' (November 4, 2021)

Analyzing these quotes, you see that the phone number 6785804712 is often associated with debt collection calls, sometimes related to medical debts. Some people find these calls legitimate but intrusive, while others suspect scam activities and prefer blocking the number.

Overall, if you receive calls from 6785804712, it seems prudent to handle them cautiously, as many people online report it being either a pushy collector or a potential scam.

Yes, you really need to remove 6785804712 from your credit report if you've confirmed that this collection is on your report and identified it as potentially inaccurate. This action can boost your credit score and improve your financial opportunities.

Here's what we advise you to do:
- Avoid hiring typical credit repair companies. Most have poor ratings and can be deceptive.
- Understand that disputing the inaccuracy yourself can consume a lot of time and energy.
- Instead, consider reaching out to a reputable company, such as The Credit Pros, which can handle this issue for you effectively.

As a final point, ensure you address the collection promptly by avoiding disreputable companies, saving yourself time and effort, and seeking help from a trusted credit repair company.

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.

• 6785804712
• 6785806914
• 6788056035