Home / Who is 8009001382 (+ how are they hurting my credit score)

Who is 8009001382 (+ how are they hurting my credit score)

  • Phone number 8009001382 is likely a debt collector called:' Phillips & Cohen Associates, 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.
List of company featuring our services

Main phone number related with this page is: 8773356619

Calls from 8009001382 might be from a debt collector like Phillips & Cohen Associates, Ltd., or it could be a scam harming your credit score. Figure this out quickly. Ignoring or blocking the calls offers temporary relief but doesn't solve the problem.

Debt collectors buy unpaid debts and try to collect them. They might use intermediary companies for this. Avoiding these calls won’t resolve the issue and could lead to more aggressive tactics, even court action if the debt is substantial.

Call The Credit Pros for a straightforward chat to review your 3-bureau credit report. This step confirms if Phillips & Cohen Associates has a legitimate reason for contacting you and identifies other issues affecting your score. We've helped many people remove inaccurate negative items from their reports, boosting their credit scores and financial health. Don’t wait-end the uncertainty and harassment now.

Who Is 8009001382: Scam Or Legitimate

The number 800-900-1382 is linked to a debt collection agency, often identified as Penn Credit. However, it's crucial that you don't engage with the caller directly. Whether the call is legitimate or a scam, never provide personal information over the phone immediately.

Here’s what you should do next:

• Pull your credit report and check it thoroughly for any inaccurate items.
• Don't pay immediately if you have doubts about the debt.
• Verify the debt by reaching out to The Credit Pros for a free 3-bureau credit report evaluation.
• Block the number to avoid further stress.
• Know your rights and file a complaint if you feel harassed or if FDCPA regulations are violated.

To sum up, it's essential to pull your credit report, verify any debts with a trusted source, block the number, and understand your rights to handle the situation effectively. We are here to support you and make sure you deal with legitimate debts only.

How Do I Stop 8009001382 From Harassing Me (How To Report Them)

If 800-900-1382 is harassing you, here’s how you can stop them and report them:

First, document every call. Keep a detailed log with the date, time, and any abusive language. Register your number at DoNotCall.gov to add some protection. You can also block the number on your phone or ask your service provider for assistance.

Next, consider escalating measures:
• If the harassment continues or includes threats, get a restraining order.
• Consult a harassment lawyer to understand your legal options.
• Send a cease and desist letter using a template from eforms.com/cease-and-desist.

Use call blocking apps to prevent further calls:
• For Android, try 'Call Blocker - Stop spam calls.'
• For iPhone, use 'Robokiller: Spam Call Blocker.'

Report the harassment to authorities:
• File a complaint with the FCC at consumercomplaints.fcc.gov if you receive illegal robocalls or spoofed calls.
• Report telemarketing violations to the FTC at ReportFraud.ftc.gov.

If needed, you can submit complaints to the CFPB:
• Online at consumerfinance.gov/complaint.
• By phone at (855) 411-2372.
• By mail at 1700 G Street, NW, Washington, DC 20552.

Additionally, you can report unwanted robocalls on Nomorobo. Ask your phone carrier about call-blocking tools as well.

Check with your State Consumer Protection Office for further resources. Finally, if you believe there's a violation of the FDCPA, consider suing the debt collector for damages. Consult a lawyer specializing in these cases, and make sure to act within one year of the offense.

To wrap things up, make sure you document every call, block the number, and report it to the appropriate authorities. Use call-blocking apps and consult a lawyer if the harassment persists. These steps can help you stop the harassment and hold 800-900-1382 accountable.

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

Should I Block Or Ignore 8009001382

You should block 8009001382. Blocking this number prevents harassment and won't affect your credit score or financial situation. However, if the call is from a debt collector, ignoring them might lead to continuous calls and potential legal actions.

If this number belongs to a debt collector and they're harassing you, blocking them is a smart move. To handle any inaccuracies or disputes on your credit report, we advise you to work with a reputable credit repair company. By blocking unwanted calls and seeking professional help, you can better manage your credit issues.

In the end, block the number and contact a credible credit repair company for further steps. This way, you reduce stress and get assistance with your credit situation.

Can A Debt Collector Like 8009001382 Sue Me

Yes, a debt collector like 8009001382 can sue you, but it's uncommon. They typically view lawsuits as a last resort if you owe a significant amount, usually over $5,000. For them to sue, they need to prove that you owe the debt, the amount is correct, and they have the legal right to sue. This can be difficult, especially if the debt has been sold multiple times.

Debt collectors prefer to settle out of court as suing is costly and time-consuming. Each state has a statute of limitations for how long collectors can sue you. If your debt is old, it might fall outside this period, reducing the chance of a lawsuit. Collectors often use calls and letters as primary methods to collect debts.

If a collector decides to sue, you will receive a court summons and complaint. You must respond by the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), protecting you from abusive or deceptive practices.

As a final point, remember that while being sued by a debt collector like 8009001382 is possible, it's rare. If faced with a lawsuit, respond to the summons promptly and consider consulting an attorney to understand your options and defenses.

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

8009001382 Might Have Your Personal Information

8009001382 might have your personal information. Here's what we advise you to do:

First, don't provide any information. Engaging with debt collectors can lead to misuse of your personal details. It's important that you avoid answering calls from this number to minimize stress.

Next, check your credit. You should get your 3-bureau credit report. This will help you identify any inaccuracies or issues that need attention and allow you to start building a plan to improve your credit.

Then, consider working with experts. A reputable credit repair company can help dispute inaccuracies on your report and provide guidance, saving you time and effort. They have the expertise to handle complex credit issues effectively.

Bringing it all together - don't give out your information, avoid answering calls from 8009001382, check your credit report, and consider professional help for disputes. Block the number and tackle your credit concerns with confidence.

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

Types Of Debt Collected By 8009001382

8009001382 is associated with a company that specializes in collecting various types of debt. They typically pursue debts that original creditors couldn't collect, including unpaid medical bills, utility bills, personal loans, and possibly certain types of unpaid taxes.

If you've missed payments or have default notices, you might hear from them. They purchase these debts from different creditors and then attempt to collect the money from you.

Always verify any debt directly with your original creditors before providing personal information or making payments.

All things considered, you should stay cautious, verify debts with your original creditors, and be wary before providing personal details or making payments.

How Do I Check If I Owe Money To 8009001382

To check if you owe money related to calls from 800-900-1382, you should follow a few essential steps.

First, go through your records, like final bills, account statements, and equipment return receipts, to see if you missed any payments. Next, review your credit report. You can get a free one from AnnualCreditReport.com and look for any accounts listed with Penn Credit Services. If you find a debt listed, request validation from the collections agency to ensure it’s accurate.

Avoid contacting 800-900-1382 directly, as it might restart the statute of limitations on old debts. If you're being harassed or if the debt is disputed, you should consider consulting a consumer protection lawyer.

Lastly, gather as much documentation as possible before taking any action. This proactive approach helps prevent mistakes and protect 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 8009001382

You are protected by several key debt collection laws and regulations. The Fair Debt Collection Practices Act (FDCPA) is the main federal law that safeguards you against abusive, deceptive, or unfair practices by third-party debt collectors. It covers personal debts like credit cards and medical bills, prohibiting conduct such as:

• Calling before 8 AM or after 9 PM.
• Contacting you at work if your employer disallows it.
• Using obscene or abusive language.
• Threatening violence or criminal actions.
• Making repeated calls to harass you.
• Falsely representing themselves as attorneys or government officials.
• Disclosing your debt to third parties.

Debt collectors must provide you with a written validation notice about your debt, detailing the amount owed, the creditor's name, and your rights to dispute it. If you dispute the debt in writing within 30 days, the collector must verify the debt and stop collection until verification is provided.

You can demand in writing that a debt collector stops contacting you, with few exceptions. If you're represented by an attorney, collectors must communicate only with them. You have the right to sue for FDCPA violations within one year, potentially recovering damages and attorney fees.

Many states have additional laws. For example, New York has strict licensing requirements for debt collectors that provide extra consumer protections.

These protections apply to situations like being contacted by the number 8009001382, as likely representatives of the debt collection company Phillips & Cohen Associates, Ltd. If they violate these laws, you can report them to the FTC, CFPB, or your state attorney general.

Finally, remember your rights are there to protect you from unfair debt collection practices, so use them to your advantage.

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 8009001382/Phillips & Cohen Associates, Ltd. Have Any Lawsuits Against Them

Yes, there have been lawsuits and several official complaints against Phillips & Cohen Associates, Ltd. related to debt collections.

1. Israel P. v. Phillips & Cohen Associates, Ltd.
Filed on Dec. 12, 2017, this lawsuit claims the company violated the Fair Debt Collection Practices Act (FDCPA) by using unfair means to collect a debt. Allegedly, they sent a letter inaccurately stating the debt amount.

2. Class Action Lawsuit in Wisconsin
Filed on Jan. 3, 2019, this lawsuit accuses Phillips & Cohen of sending a misleading letter about debt amount and dispute rights. The letter reportedly failed to state the debt amount and the recipient's rights properly.

Phillips & Cohen Associates has faced numerous complaints, mainly for FDCPA violations:

• Better Business Bureau (BBB): 36 complaints within a three-year period (as of 2022), often related to debts.
• Consumer Financial Protection Bureau (CFPB): 181 complaints, generally about false debt amounts and misleading representations.

In closing, Phillips & Cohen Associates, Ltd. has faced multiple lawsuits and numerous complaints primarily for unfair and misleading debt collection practices, often violating FDCPA regulations.

What Do People Online Say About 8009001382

People online have varying opinions about 800-900-1382, identifying it as a number associated with Penn Credit Services, a debt collection agency.

For example, user u/jane_doe mentioned receiving non-personalized voicemails from the number, which made them suspicious and question the authenticity of the calls. They highlighted the absence of personalized details like their name or debt amount, which they expected in legitimate collection communication.

Another user, u/john_smith, shared a similar concern, explaining that a quick online search revealed a website claiming the number belonged to a legal collection agency from PA. Despite this, their interaction with the number felt off since an automated voice answered without clear company identification.

It's clear that many people have doubts about the legitimacy of 800-900-1382, often suspecting it to be a scam or phishing attempt due to impersonal and vague communications.

Overall, if you receive calls from 800-900-1382, the best approach is to proceed with caution, verify the caller's identity, and seek personalized details before engaging further.

Do I Really Need To Remove 8009001382 From My Credit Report

Yes, you should remove 8009001382 from your credit report if you think it's inaccurate. First, confirm that this entry truly appears on your report and verify if it's incorrect. Handling disputes on your own can be time-consuming and effort-intensive. Instead, consider reaching out to a reputable credit repair company, like The Credit Pros, to manage this for you.

Here’s what we suggest you do:

1. Check Your Credit Report: Ensure that 8009001382 is listed and identify any inaccuracies.
2. Gather Evidence: Collect any documentation that can support your dispute.
3. Contact a Reliable Credit Repair Company: A reputable company can efficiently handle disputes and improve your chances of removing potentially inaccurate negative items.

As a final point – verifying and potentially disputing 8009001382 on your credit report is essential. Use a reputable credit repair company to manage this process effectively, saving you time and improving your credit health.

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

Here are other formats 8009001382 can be written

- +1 800-900-1382
- +1 (800) 900-1382
- +1 800 900 1382
- (800) 900-1382
- 800-900-1382
- 800.900.1382
- 800 900 1382
- +18009001382
- (800) 900-1382
- 800.900.1382
- 8009001382

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 Phillips & Cohen Associates, 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.

Privacy and Cookies
We use cookies on our website. Your interactions and personal data may be collected on our websites by us and our partners in accordance with our Privacy Policy and Terms & Conditions