Who is 8037693961 and why are they calling me?

The phone number 8037693961 could belong to a debt collection agency or be a scam. To determine if it's legitimate, do not engage directly with the caller. You're not obligated to pay the debt immediately if you have doubts. Instead, follow these steps:

- Get a Free Credit Report: Contact us for a free 3-bureau credit report evaluation.
- Check Your Report: Look for any potentially inaccurate, negative items that could harm your score.
- Verify the Debt: If "State Collection Service" appears as a negative item, the call might be legitimate. However, still avoid responding directly to the caller.

We, The Credit Pros, can help you verify any debt from this collector, dispute inaccuracies, and improve your financial prospects. Here’s what you should do next:

- Block the Number: To prevent further calls, block the number.
- Request Verification: Send a written request to the debt collector to verify the debt.
- Protect Your Info: Never provide personal financial information unless you’re sure the caller is legitimate.

To sum up, if you receive a call from 8037693961, avoid engaging directly, block the number, verify the debt through a credit report, and protect your personal information. We can assist you through these steps and help improve your financial situation.

If you're being harassed by 803-769-3961, here's how you can take action to stop and report them:

Document everything. Keep a detailed log of each call with dates, times, and the nature of the harassment.

Register your number on the Do Not Call List at DoNotCall.gov.

Block the number using your phone's call-blocking feature. You can also ask your service provider for additional assistance.

Consider using call-blocking apps:
- For Android: Try 'Call Blocker - Stop spam calls.'
- For Apple: Use 'Robokiller: Spam Call Blocker.'

File complaints:
- Report to the FCC at fcc.gov/complaints under “unwanted calls.”
- Report to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.
- Submit a complaint to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

If harassment escalates, consider getting a restraining order or sending a cease and desist letter using a template from eforms.com/cease-and-desist.

Reach out to local authorities if the calls are threatening, and file a report with your local police.

Check your state or local consumer protection office for additional resources.

To wrap things up - by documenting the harassment, registering on the Do Not Call List, blocking the number, using call-blocking apps, filing complaints, and seeking help from local authorities, you can effectively report and stop the harassment from 803-769-3961.

You should block 8037693961. If you suspect it's from a debt collector like State Collection Service, blocking reduces stress and protects your privacy. If you ignore them, you might still receive unwanted calls and messages, which can be annoying and disruptive. Blocking this number won’t hurt your credit score, and we advise you to work with a reputable credit repair company to address any potential negative items on your report.

Here’s what you should do:

- Block the number to stop calls and messages.
- Contact a credit repair company to address any inaccuracies.
- Remember that blocking won’t affect your credit score negatively.

In the end, blocking 8037693961 helps you reduce stress and protect your privacy, allowing you to focus on resolving any debts without the hassle of constant calls.

Yes, a debt collector like 8037693961 can sue you. However, this is usually a last resort because it’s expensive and time-consuming for them. Debt collectors typically only consider lawsuits for debts over $5,000.

If a debt collector does decide to sue, they must prove that you owe the debt, the amount is correct, and they have the legal right to sue. They also have to file the lawsuit within the statute of limitations, which varies by state. You will receive a court summons and complaint, and you must respond to avoid a default judgment that could lead to wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive or deceptive practices. If you receive a lawsuit, consider consulting an attorney to explore your options and defenses.

As a final point, you should know that debt collectors can sue, but it's rare. If you get sued, they must prove the debt and stay within legal limits. Consult an attorney if this happens to understand your rights and defenses.

If you get a call from 8037693961, you should avoid sharing any personal information. While debt collectors might reach out, it’s crucial that you stay cautious to prevent scams.

- Don't answer the call if you can help it. Answering might lead to more calls and unwanted pressure.
- Never share personal details like your bank account, social security number, or other financial info. Scammers could use this to commit identity theft.
- If you do answer, ask detailed questions to verify the debt they mention. They must, by law, provide details like the amount owed and the original creditor’s name.
- You should request the caller's name, company name, street address, and callback number to confirm their identity.
- Get your 3-bureau credit report to understand your financial situation and build a plan to improve your credit.
- Working with a reputable credit repair company can be beneficial. They can help you handle disputes, rectify inaccuracies, and guide you to improve your credit safely.

Bringing it all together - stay vigilant about safeguarding your personal information and take practical steps like verifying details, checking your credit report, and getting expert help to effectively manage your debt and secure your financial future.

State Collection Service primarily collects outstanding or unpaid bills from various sectors, including medical services, utilities, and other types of consumer debt. They take over these debts from original creditors who struggled to collect payments from you.

You'll find that State Collection Service doesn't stick to specific brands but works with a wide range of creditors seeking help to collect owed money. This means your debt could come from many sources.

All things considered, if you're contacted about a debt by State Collection Service, they are likely collecting on medical, utility, or consumer debts from different creditors who needed their assistance.

To check if you owe money to 8037693961, follow these steps:

First, check your records. Look through your past bills, account statements, and any receipts from equipment returns. This helps you identify any missed payments.

Next, request debt validation. If this debt appears on your credit report, send a written request to the debt collector for validation. They must provide details about the debt, including the creditor's name and the amount owed.

Also, review your credit reports. Get copies from the major credit bureaus. Look for any entries related to the debt in question.

Avoid direct contact with the debt collector. Talking to them might restart the statute of limitations on old debts.

Lastly, consult a lawyer if you're being harassed over disputed debts. Consider talking to a consumer protection lawyer.

Gather as much information as you can from your records and credit reports before reaching out to Spectrum or debt collectors. Being proactive can prevent inaccurate collection efforts from affecting your credit.

If you're dealing with calls from 8037693961, several laws protect you from unfair debt collection practices.

Main Protections:
- Fair Debt Collection Practices Act (FDCPA):
- This federal law prevents abusive, deceptive, or unfair practices by third-party debt collectors.
- Stops collectors from contacting you at work if your employer prohibits it.
- Forbids the use of abusive language, threats, harassment, and misleading representations.
- Prohibits contact before 8 AM or after 9 PM.
- Prevents disclosure of your debt to third parties.
- State Debt Collection Laws:
- Many states offer additional protections beyond the FDCPA.
- Example: Some states may have stricter communication regulations and licensing requirements for debt collectors.
Required Disclosures:
- Validation Notice:
- Collectors must send a written notice detailing the amount owed, creditor’s name, and your rights to dispute.
- If you dispute the debt within 30 days, they must provide verification of the debt.
- Disclosure Statement:
- Collectors must tell you that their communication is an attempt to collect a debt.
Your Rights:
- Stop Communication:
- You can request in writing that collectors cease all communication.
- Attorney Representation:
- If you have an attorney, collectors must communicate only with them.
- Legal Actions:
- You can sue for FDCPA violations within a year and may recover damages and attorney fees.
- Report violations to the FTC, CFPB, or your state attorney general.

These laws ensure you're treated fairly and give you tools to contest unfair practices. If you need help, reach out to a legal professional or consumer protection agency.

Finally, if you need protection from 8037693961, remember the FDCPA and state laws are on your side, ensuring fair treatment and offering ways to dispute and address any issues.

State Collection Service has been involved in several lawsuits.

First, you have the JACOB R. SHANNON v. STATE COLLECTION SERVICE, INC. case. This lawsuit involved claims under the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA) due to repeated calls to the plaintiff's cell phone. The court eventually granted summary judgment in favor of the defendant.

Next, there's the BERNARD v. STATE COLLECTION SERVICE, INC. in the United States District Court for D. Arizona. Details in this case are sparse, but it focused on challenging debt collection practices.

The Spuhler Case centered around claims that State Collection Service's letters misled consumers by not indicating that interest would accrue on debts. The Seventh Circuit vacated a summary judgment, stating there was insufficient evidence of concrete injury.

You should also note that State Collection Service has received 72 complaints with the Better Business Bureau (BBB) over three years and 547 complaints with the Consumer Financial Protection Bureau (CFPB) over ten years. These complaints often allege unfair debt collection practices, such as pursuing already paid debts or violating the FDCPA.

In closing, State Collection Service has faced several lawsuits and numerous complaints concerning their debt collection practices. You should stay informed and cautious about these proceedings if you find yourself dealing with them.

To find out what people online are saying about 8037693961, take a look at these specific quotes from various sources:

- Reddit user "katie_86" mentioned: "Got a call from 8037693961 and it turned out to be a debt collection agency. They were pretty persistent."
- Another Reddit user, "marktheman34", shared: "I've been receiving calls from 8037693961 almost daily. So annoying!"
- "johnny_bgood" on Reddit said: "This number 8037693961 called me and left a vague message about an urgent matter. I looked it up and found out it's related to debt collection."

From these comments, you can see that many people have had persistent and often annoying interactions with calls from 8037693961. The recurring theme in these experiences is the frequent and persistent calls, indicating it is likely aggressive in its collection efforts.

Overall, it appears that 8037693961 is known for its aggressive and frequent debt collection calls, which many find irritating and persistent.

Yes, you really need to remove 8037693961 from your credit report if you’ve confirmed it’s inaccurate. Don’t rush to hire just any credit repair company; many are poorly rated and ineffective. Disputing it on your own can be time-consuming and stressful. Instead, consider reaching out to a reputable company, like The Credit Pros, for professional help.

Here’s what we advise you to do in the meantime:

- Verify the collection is inaccurately reported.
- Gather evidence to support your claim.
- Consider professional help to handle the dispute.

As a final point, taking action is crucial for your financial health. Verify the inaccuracy, gather evidence, and consider professional assistance to navigate the dispute process.

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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.

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• 3093295483
• 6052505885
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• 3465096019
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