Home / Who is 8447093682 and why are they calling me?

Who is 8447093682 and why are they calling me?

  • Phone number 8447093682 is likely a debt collector called:' First Financial Asset Management'.
  • 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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The phone number 844-709-3682 likely belongs to a debt collector, probably First Financial Asset Management, or could be a scammer. Answering or ignoring these calls without proper verification might affect your credit score and overall financial situation. Understand what’s behind these calls to avoid the trap of harassment.

If this number belongs to a debt collector, they might have bought your outstanding debt and are now trying to collect it through relentless calls. Blocking or ignoring them won’t resolve the underlying issue; it’s a temporary fix that won’t stop the harassment or address the debt. While blocking the number might bring immediate peace, it’s not a real solution.

Call The Credit Pros at the number above. We can have an easy, no-pressure chat to review your three-bureau credit report and identify whether this is a debt collector or a scam. We specialize in helping folks like you remove potentially inaccurate negative items, which could improve your credit score and financial well-being. Let’s eliminate these harassing calls and boost your financial security together!

Who Is 8447093682: Scam Or Legitimate?

The phone number 844-709-3682 is linked to a debt collection agency, but it might also be a scam. You should not engage with the caller, even if you think the call might be legitimate. Instead, here are some steps we advise you to take:

1. Do not share any personal information such as your bank account, Social Security, or credit card details.
2. Check your credit report for any inaccuracies or negative items. This can help you confirm whether the debt is real or a scam.
3. Contact The Credit Pros for a free 3-bureau credit report evaluation. We can help you identify and dispute any potentially inaccurate negative items.
4. Verify the debt: If you have any doubts, ask the caller to send the debt details in writing. A legitimate debt collector will provide you with all necessary information.
5. Never make immediate payments without verification. Scammers often push for quick payments to trick you.

Regardless of whether it's a scam or a legitimate debt collector, ensure your next steps include pulling your credit report, analyzing it, and reaching out to The Credit Pros for assistance.

To sum up, if you receive a call from 844-709-3682, don't engage. Verify the debt, check your credit report, and contact The Credit Pros for help. Blocking the number can also help reduce stress and prevent further calls.

How Do I Stop 8447093682 From Harassing Me (How To Report Them)?

To stop 8447093682 from harassing you, follow these steps:

First, you should document the calls. Keep a detailed log that includes dates, times, and any abusive language used. Next, register your phone number on the National Do Not Call Registry at DoNotCall.gov. It only takes about 2 minutes.

Then, block the number either through your phone’s call-blocking feature or by contacting your service provider. You can also use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

Next, file a complaint with the FCC at fcc.gov/complaints or with the FTC at ReportFraud.ftc.gov for telemarketing issues. Additionally, report unwanted calls at DoNotCall.gov.

You should also contact your phone carrier to check for any call-blocking tools and additional options they may offer. If the harassment continues, consider sending a cease and desist letter using a template from eforms.com.

If the calls persist despite these measures, consider taking escalating measures. You might need to get a restraining order or hire a harassment lawyer for legal advice and action.

To wrap things up, start by documenting the calls, registering on the Do Not Call Registry, blocking the number, using blocking apps, filing complaints with the FCC and FTC, and contacting your phone carrier for additional tools. If necessary, send a cease and desist letter or seek legal help.

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

Should I Block Or Ignore 8447093682?

You should block 8447093682. This number is from First Financial Asset Management, a debt collector. Blocking them helps reduce stress and prevent potential harassment. If you ignore them, you might still receive continuous calls that disrupt your day.

You won't harm your credit score by blocking this number. If the debt is already on your credit report, blocking the calls won't make your score worse. However, it is crucial that you address any inaccuracies on your credit report.

To handle this issue comprehensively:
- Block the number: This stops the calls and messages.
- Consult a credit repair company: They can help correct any inaccuracies on your credit report.
- Resolve the dispute professionally: This offers a path to handle the situation effectively.

In the end, blocking 8447093682, consulting a credit repair company, and addressing the dispute professionally can reduce your stress and help you manage the problem effectively.

Can A Debt Collector Like 8447093682 Sue Me?

Yes, a debt collector like 8447093682 can sue you, but it's rare. Lawsuits are usually their last resort, often when you owe more than $5,000. They must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be challenging, especially if the debt has been sold multiple times.

Instead of going to court, debt collectors prefer to settle through calls and letters. The statute of limitations might also prevent them from suing if the debt is too old. If you are sued, you will receive a court summons and must respond 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) to protect you from abusive practices. We recommend consulting an attorney if you are sued to understand your options.

As a final point, remember that while a debt collector like 8447093682 can sue you, it's unlikely. They must navigate legal hurdles and often prefer out-of-court settlements. You should respond quickly to court summons to avoid default judgments. Understanding your rights under the FDCPA can protect you, and consulting an attorney can help you navigate these legal challenges.

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

8447093682 Might Have Your Personal Information

If you get a call from 8447093682, you should not answer or give out any personal information. This number is known for debt collection scams. Here’s what we advise you to do:

- Don't provide any personal information: If you didn’t call them first, there’s no reason for them to need your details. They could use this info to compromise your identity.
- Don't pick up the call: If you ignore them, they might persist until they get what they want. Ignoring the call can save you from falling victim to their tactics.
- Check your credit report: Regardless of these calls, it’s crucial to obtain your 3-bureau credit report. This will help you identify any issues and plan to improve your credit.
- Consider a credit repair company: Working with a reputable credit repair company can be beneficial. They have the expertise to handle inaccuracies or disputes on your credit report, ensuring your financial information stays secure and accurate.

Blocking the number can help reduce the stress and protect your personal information. If in doubt, always verify any claims by contacting official entities directly. Make sure to act proactively to secure your financial health.

Bringing it all together - by not engaging with calls from 8447093682, checking your credit report, and possibly consulting a credit repair company, you take concrete steps to protect your personal information and financial well-being.

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

Types Of Debt Collected By 8447093682

8447093682 is known for collecting different types of debts, including credit card debt, auto loans, and personal loans. They may act on behalf of original creditors or purchase the debt from financial institutions. You should verify any debt's legitimacy before making payments. Check your credit report or contact the original creditor directly if you have doubts.

Here’s what you can do to protect yourself:
- Review your credit report for any discrepancies.
- Contact the original creditor to confirm the debt's authenticity.
- Avoid sharing personal information until you verify the call's legitimacy.

All things considered, you should stay cautious and informed to avoid scams, verify the debt, and take proactive steps like checking your credit report and contacting the original creditor directly.

How Do I Check If I Owe Money To 8447093682?

To check if you owe money to 8447093682, follow these steps directly:

First, go through your own records. Check any final bills, account statements, or receipts to see if you owe any money. This will give you a clear starting point.

Next, get a credit report. You can get a free one from AnnualCreditReport.com. Your credit report will show if there's any record of a debt from this number.

Then, request debt validation. If you find a debt listed, write to the collection agency and ask them to validate it. They must provide proof that the debt is yours.

Avoid direct contact with the caller. Don’t verify your identity or provide personal information over the phone, as this could restart the statute of limitations on old debts.

Consult a lawyer if the calls become harassing or if you need help disputing the debt. A consumer protection lawyer can offer valuable assistance.

Lastly, document everything. Keep records of all communications and any proof you gather, as this will be helpful if you need to dispute the debt later.

Lastly, taking these steps ensures you manage any legitimate debts properly while protecting yourself from potential scams.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 8447093682

If you're dealing with debt collection calls from 8447093682, you are protected under various laws and regulations. The primary laws include the Fair Debt Collection Practices Act (FDCPA) and state-specific debt collection laws.

The FDCPA is the main federal law designed to protect you from abusive, deceptive, and unfair debt collection practices. This law applies to personal, family, and household debts but not to business debts. Here’s what it covers:

- Prohibited Behavior: Debt collectors cannot call you before 8 AM or after 9 PM, use abusive language, make threats, or disclose your debt to third parties.
- Harassment: Repeated or continuous calls intended to harass you are illegal.
- False Representation: Collectors can't falsely represent themselves as attorneys or government agents.

Debt collectors must also provide certain information:

- Validation Notice: This written notice must tell you the amount owed, the creditor's name, and your right to dispute the debt.
- Debt Dispute: If you dispute the debt in writing within 30 days, the collector must verify it before continuing collection efforts.
- Disclosure Statement: Collectors must inform you that they are attempting to collect a debt and that any information will be used for that purpose.

Additionally, many states have their own laws that may provide extra protections. For example, some states have strict licensing requirements for debt collectors.

Your Rights:
- Stop Communication: You can request in writing that the collector stops contacting you.
- Attorney Representation: If you have an attorney, the collector must contact them instead of you.
- Lawsuits and Reporting: You can sue for FDCPA violations and report abuses to the FTC, CFPB, or state attorney general.

Finally, remember that if you feel debt collectors are violating your rights, you should report these abuses and consider contacting a legal professional for assistance.

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 8447093682/First Financial Asset Management Have Any Lawsuits Against Them?

Yes, First Financial Asset Management has faced several lawsuits.

One notable case is Chyba v. First Financial Asset Management, Inc. (April 30, 2014), filed in the United States District Court, Southern District of California. The plaintiff alleged unauthorized calls to her cellphone regarding a debt from Enterprise Rent-A-Car. Another significant case is a Class Action Lawsuit (January 2, 2018), where a New York consumer claimed that the company sent a misleading collection letter about IRS reporting requirements for debt forgiveness.

Additionally, there are many official complaints logged against First Financial Asset Management with the Better Business Bureau and the Consumer Financial Protection Bureau. Consumers frequently report issues such as persistent calls about resolved debts, misleading information, or aggressive debt collection practices.

We advise you to verify any debt before taking action and to know your rights under the Fair Debt Collection Practices Act (FDCPA).

In closing, it is clear that First Financial Asset Management has been involved in multiple legal disputes and complaints. Ensure you validate any debt claims thoroughly and understand your rights under the FDCPA.

What Do People Online Say About 8447093682?

People online have shared their experiences with the phone number 8447093682, and here's what they say:

1. Reddit User Sharing Story - "I was called by this company, a debt collection agency. They told me that this was from a medical service I received in January. I advised them that I had no clue I had a debt remaining from that bill. The lady on the phone was able to answer EVERY question I had about my medical bill. After several minutes on the phone, I was convinced it was legitimate and made the payment of $25.51. The next day that charge showed up on my bank account for $25.51 out of Georgia for First Financial Asset Management. I also had a fraud attempt for $125.05 at a Winn Dixie out of Georgia. I had to block my debit card and will have to report that as fraud if it posts. I called First Financial Asset Management today and was able to speak with someone. They gave me my medical account number, the date of transfer to them for collections, and the date of service. I called the hospital and discovered that there is a debt, but it is not for $25.51 and it is not with First Financial Asset Management. They should not have my information to be collecting anything. I will be filing that charge as fraud as well. They have no business contacting me for a debt. They have no reason to have any of my medical bill information. I also believe that because of that phone call with them, my debit card was compromised and had to be blocked."
2. Robokiller User Reports:
- User Report (November 9, 2023): "Bad debt collector."
- User Report (August 25, 2023): "Debt kollecturd scamz."
- User Report (July 12, 2019): "Don’t owe them but they continually call my cell."

The general sentiment online suggests that people identify this number as being used by a debt collector with many reporting potentially fraudulent or harassing behavior. Users express concerns about receiving calls demanding payment for debts they don't recognize or having their personal information used suspiciously after interacting with this number.

Overall, if you receive a call from 8447093682, be cautious. Verify any claims independently and avoid sharing personal information over the phone.

Do I Really Need To Remove 8447093682 From My Credit Report?

Yes, you should consider removing 8447093682 from your credit report if you confirm that this collection is actually on your report and you've identified it as potentially inaccurate. Disputing it on your own takes considerable time and effort. Instead, you might want to save yourself the hassle and reach out to a reputable credit repair company that can assist you.

- Confirm the collection is on your credit report and is inaccurate.
- Consider how much time and energy personal disputing requires.
- Reach out to a reputable credit repair company for assistance.

Most typical credit repair companies are not recommended-they often have poor ratings and are deceptive. However, a reliable credit repair company, like 'The Credit Pros,' can make a big difference and help you remove potentially inaccurate negative items efficiently. This approach prevents you from wasting hours of your own time and energy on the dispute process.

As a final point - confirming inaccuracies on your credit report and reaching out to a reputable credit repair company can save you significant time and effort.

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

Here are other formats 8447093682 can be written

- +1 844-709-3682
- +1 (844) 709-3682
- +1 844 709 3682
- (844) 709-3682
- 844-709-3682
- 844.709.3682
- 844 709 3682
- +18447093682
- (844) 709-3682
- 844.709.3682
- 8447093682

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 First Financial Asset Management 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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