Home / Who is 8007770282 (+ how are they hurting my credit score)

Who is 8007770282 (+ how are they hurting my credit score)

  • Phone number 8007770282 is likely a debt collector called:' United Collections (INCA)'.
  • 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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If calls from 8007770282 keep coming, it’s probably United Collections (INCA) reaching out about a debt you owe. These calls can get on your nerves and mess with your credit score if you don’t handle them. Ignoring the problem might feel good for a bit, but it won’t fix anything.

This debt collector might have bought your debt, or maybe someone else is collecting for them. Blocking the number might give you some peace for a while, but it doesn’t solve the issue. You’ve got to tackle the root of the problem to protect your credit score and stop the calls for good.

The best move is to call The Credit Pros using the number they provided. We’ll check your credit report from all three bureaus to see if United Collections (INCA) is causing these calls. With our help, you can dispute any possibly wrong negative items and boost your financial well-being. Don’t let this slide; act now to end the annoying calls and take charge of your credit score.

Who Is 8007770282: Scam Or Legitimate

8007770282 is reportedly associated with United Collections (INCA), a debt collection agency. Whether it's legitimate or a scam, you should not engage directly with the caller. You shouldn't feel obligated to pay any debt immediately if you have doubts.

You should pull your credit report and check for any potentially inaccurate negative items. If this number appears on your report, it might indicate a legitimate collection. Still, avoid responding directly to the call.

Instead, we advise you to contact The Credit Pros. We can help you verify any debt associated with this collector, dispute inaccurate negative items, and improve your financial situation.

• Don't engage directly with the caller.
• Check your credit report for inaccuracies.
• Reach out to us for support with verification and disputes.

To sum up, avoid direct engagement with 8007770282, review your credit report for inaccuracies, and contact The Credit Pros for assistance with verification and disputes. This can help you better manage your credit health.

How Do I Stop 8007770282 From Harassing Me (How To Report Them)

To stop 8007770282 from harassing you, follow these steps:

First, you should document every unwanted interaction. Keep a detailed log noting dates, times, and any abusive language used. Next, register your number with the Do Not Call Registry and block the number using your phone’s call-blocking feature or by contacting your service provider.

Take escalating measures if necessary:
- If calls persist or become threatening, consider getting a restraining order with the help of a lawyer. Harassment violates federal and state laws.
- You can also send a cease and desist letter using a template from eForms.

Use apps for blocking calls like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

File a complaint with the Federal Communications Commission (FCC) for illegal robocalls or spoofing at fcc.gov/complaints. Choose 'unwanted calls' and provide details like the number, date, and time of the call. You should also report telemarketing calls or Do Not Call Registry violations to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or use the reporting form at DoNotCall.gov.

Submit a complaint to the Consumer Financial Protection Bureau (CFPB):
- Online: Visit consumerfinance.gov/complaint.
- Phone: Call (855) 411-2372.
- Mail: Send a detailed letter to 1700 G Street, NW, Washington, DC 20552, Attention: Chief Privacy Officer.

If you use Nomorobo, report unwanted robocalls directly through their platform. Additionally, contact your phone carrier for more call-blocking tools.

To wrap things up, you can tackle harassment from 8007770282 by documenting calls, registering with the Do Not Call Registry, using call-blocking apps, and reporting to the FCC, FTC, and CFPB. These steps can help you regain peace and control over your phone.

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

Should I Block Or Ignore 8007770282

You should block the number 8007770282. Blocking stops calls and messages from reaching you directly, reducing harassment and stress. If you ignore the calls, you might still get voicemails or texts, which can be persistent and annoying.

- Blocking won't affect your credit score or increase the number of calls you receive.
- If this number belongs to a debt collector, blocking them doesn't resolve any underlying debt issues.
- Work with a reputable credit repair company to address inaccuracies on your credit report while avoiding direct contact with persistent callers.

In the end, blocking 8007770282 offers peace of mind, lessens the hassle of unwanted calls, and helps you manage the situation more effectively.

Can A Debt Collector Like 8007770282 Sue Me

Yes, a debt collector like 8007770282 can sue you for unpaid debt, but it's usually their last resort. Typically, they prefer to call or send letters over many months to attempt collecting the debt. Suing is expensive and time-consuming, so they usually go this route only if the debt is substantial, often over $5,000.

For them to sue you, a few things need to happen:

• They must prove you owe the debt, the amount is correct, and they have the legal right to sue.
• They have to file within the statute of limitations, which varies by state and determines how long they have to sue.
• They must be willing to bear the high costs and effort associated with suing.

If you get sued, you'll receive a court summons and complaint. It's important that you respond to avoid a default judgment, which could lead to wage garnishment or bank levies, even though this is rare.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you get sued, consult an attorney to explore your options and defenses.

As a final point, remember that while a debt collector like 8007770282 can sue you, it's not their preferred method. They must prove the debt, act within the statute of limitations, and be prepared for the cost and effort of suing. Always respond to court summons and consult an attorney 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

8007770282 Might Have Your Personal Information

If 8007770282 is calling you, don't provide any personal information. Ideally, don't even pick up when they call. If you engage directly with debt collectors, like United Collections (INCA), you may experience unnecessary stress and it may not help your situation. Instead, focus on obtaining your 3-bureau credit report so you can see your overall credit health and spot any inaccuracies.

Next, build a comprehensive plan to improve your credit. If you're unsure how to proceed, consider working with a reputable credit repair company. They can help you dispute errors, negotiate with creditors, and provide guidance on improving your credit score.

Here's what you should do:
• Block the number to avoid unnecessary stress.
• Review your credit reports from all three bureaus.
• Consider professional help for credit repair.

Bringing it all together - if 8007770282 Might Have Your Personal Information, make sure you don't provide any details and block their number. Get your credit report, correct any mistakes, and seek help if needed. We're here to support you every step of the way.

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

Types Of Debt Collected By 8007770282

The types of debt collected by 8007770282, which is United Collections (INCA), can include:

• Credit Card Debt: Unpaid balances on credit cards that you haven't paid on time.
• Medical Bills: Outstanding medical expenses that you still owe.
• Loan Payments: Missed payments on personal loans, auto loans, or other bank loans you have taken.
• Utility Bills: Overdue payments for utilities like electricity, gas, and water.
• Other Services: Debts from various services that you used but haven't paid for.

United Collections (INCA) might purchase these debts from original creditors for a fraction of the original amount. Once they buy the debt, they will attempt to collect the full amount from you.

All things considered, these are the main types of debt collected by 8007770282, and knowing this can help you manage any collections calls more effectively.

How Do I Check If I Owe Money To 8007770282

To check if you owe money to 8007770282, follow these steps:

First, check your records. Look through your account statements, final bills, and receipts for any past due payments or unresolved debts. This helps you identify any overlooked financial obligations.

Next, get your credit report. Review it for any entries related to United Collections (INCA). This will show if they claim you owe them money. If the debt appears on your report, you should request validation from the collections agency. Ask them to provide detailed information about the debt.

It's important that you don't engage directly with the debt collector initially. Doing so can reset the statute of limitations on old debts, which may put you at a disadvantage.

If you face persistent harassment or have disputed the debt without resolution, consult a consumer protection lawyer. They can help you navigate the situation and provide legal advice.

Lastly, make sure you have gathered documentation and evidence from your records and credit reports before reaching out. This helps protect you from inaccurate collection efforts that could affect 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 8007770282

You are protected from debt collectors like 8007770282 by several laws and regulations.

The main federal law is the Fair Debt Collection Practices Act (FDCPA). You should know this law ensures debt collectors cannot use abusive, deceptive, or unfair practices. It covers personal, family, and household debts but not business debts.

Key protections under the FDCPA include:
• Prohibition on contact before 8 AM or after 9 PM.
• Ban on contacting you at work if your employer prohibits it.
• Prohibition on using obscene, profane, or abusive language.
• Ban on threatening violence or criminal actions.
• Prohibition on repeatedly or continuously calling with intent to harass.

Debt collectors must provide you with a written validation notice that includes 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, they must verify it and stop collection efforts until they do.

You also have the right to demand a debt collector stop contacting you in writing. If you are represented by an attorney, they must communicate only with the attorney. You can sue the collector for FDCPA violations within one year and recover damages plus attorney fees.

Some state laws offer additional protections, such as requiring licensing for debt collectors. We advise you to check your state’s specific requirements.

Finally, remember that you are protected by laws like the FDCPA from harassing practices by debt collectors, so understand your rights and take action if needed.

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 8007770282/United Collections (Inca) Have Any Lawsuits Against Them

As of now, no major lawsuits have been found against United Collections (INCA). However, they have faced some official complaints. Here are a few examples:

- Nearly 200 complaints have been filed with the Better Business Bureau (BBB). Common issues include you not receiving proper documentation about your debts.
- Several complaints to the Consumer Financial Protection Bureau (CFPB) cite insufficient information provided by debt collectors, which is a violation of the Fair Debt Collection Practices Act (FDCPA).

If you encounter any issues with them, you can report to the CFPB or consider legal action for any violations.

In closing, while United Collections (INCA) hasn't faced major lawsuits, they have a history of complaints. Make sure you report any issues to the CFPB and consider your legal options.

What Do People Online Say About 8007770282

People online report that the number 8007770282 is often perceived as a scam. For instance, on Robokiller, a user named 'ucb kollekturdz' labeled this number as a scam on August 29, 2023.

Users on Nomorobo express satisfaction with the blocking service, which prevents unwanted calls from numbers like 8007770282. You can find comments like, 'It's great we have very few calls that get by the system,' and 'I LOVE Nomorobo! A great service to mankind!'

Overall, it seems the general sentiment is that calls from 8007770282 are unwelcome, and people value services like Robokiller and Nomorobo to block such nuisances.

Do I Really Need To Remove 8007770282 From My Credit Report

Yes, you should remove 8007770282 from your credit report if you have confirmed it is potentially inaccurate. Avoid hiring typical credit repair companies as they have poor reputations and may not help effectively. Disputing on your own can be time-consuming and draining. Consider reaching out to a reputable company like The Credit Pros; they can handle inaccuracies and save you time.

If the information is accurate but negative, it may remain on your report for up to seven years. You cannot remove accurate negative information unless it's outdated or due to identity theft. Dispute any errors directly with credit reporting companies; they must investigate and correct mistakes within 30 days. Regularly check your credit report to catch and address any inaccuracies early.

As a final point, it is crucial to remove 8007770282 if it's inaccurate, consider reputable help, and stay proactive about monitoring your credit.

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

Here are other formats 8007770282 can be written

- +1 800-777-0282
- +1 (800) 777-0282
- +1 800 777 0282
- (800) 777-0282
- 800-777-0282
- 800.777.0282
- 800 777 0282
- +18007770282
- (800) 777-0282
- 800.777.0282
- 8007770282

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 United Collections (INCA) 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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