Home / Who Is 8552677451 (+ How Are They Hurting My Credit Score)

Who Is 8552677451 (+ How Are They Hurting My Credit Score)

  • Phone number 8552677451 is likely a debt collector called:' Puget Sound Collections'.
  • 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: 2535661800

8552677451 could be a debt collector or a scammer and might harm your credit score if you don't handle it properly. If it's Puget Sound Collections, they probably bought one of your outstanding debts and are trying to collect it. Blocking or ignoring the call won't solve the problem.

You need to take action. First, get your full three-bureau credit report to check for inaccuracies. Call The Credit Pros using the number above. We'll give you a free, no-pressure consultation to determine if this debt is legitimate and identify any other negative items hurting your score.

We've helped countless folks in similar situations remove potentially inaccurate items, boost their credit scores, and improve their financial health. Don't let these calls make your situation worse-address it now for a better financial future and peace of mind.

Who Is 8552677451: Scam Or Legitimate

The phone number 855-267-7451 is associated with Puget Sound Collections, a debt collection agency. It's important that you don't engage with the caller directly, as this could be a scam. Even if the call seems legitimate, you aren't obligated to pay any debt immediately if you have doubts.

Here's what we advise you to do:
- Pull your credit report from all three bureaus to check for potentially inaccurate or negative items.
- If Puget Sound Collections appears on your report, it might be a legitimate call, but it's still best not to respond directly.
- You can contact us for a free 3-bureau credit report evaluation.
- We can help verify any debt from this collector, dispute incorrect negative items, and improve your financial situation.

Ignoring these calls and getting your credit report checked will help you ensure your financial safety. You don't need to handle this alone; we're here to assist you every step of the way.

To sum up, don't engage directly with 855-267-7451, check your credit report for inaccuracies, and contact us for professional help verifying and disputing any debt. We're here to support you.

How Do I Stop 8552677451 From Harassing Me (How To Report Them)

If you're getting harassing calls from 855-267-7451, you can follow these steps to stop and report them:

First, document every unwanted interaction. Note the dates, times, and any abusive language. This will help you build a case.

Next, register your number on DoNotCall.gov and block the number using your phone’s call-blocking feature or by contacting your service provider.

For additional protection, consider escalating measures like:
- Seeking a restraining order if the calls persist.
- Hiring a harassment lawyer if you believe laws are being violated.
- Sending a cease and desist letter, using a template from eforms.com/cease-and-desist.

You can also use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

Report the harassment to federal agencies:
- File a complaint with the FCC at fcc.gov/complaints.
- Report to the FTC at ReportFraud.ftc.gov.

For issues with debt collectors:
- Document all interactions, noting dates and details.
- Submit a complaint to the CFPB via their website consumerfinance.gov/complaint, by phone at (855) 411-2372, or by mail to their Washington, DC office.

Finally, check with your phone carrier about additional call-blocking tools and consult your local or state consumer protection office for further support.

To wrap things up, make sure you document every harassing call, register on Do Not Call lists, use call-blocking apps, and report the number to federal agencies. Take legal action if necessary, and reach out to your phone carrier for additional help.

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

Should I Block Or Ignore 8552677451

Yes, you should block 8552677451. Ignoring calls from this number might stop the immediate annoyance, but blocking is more effective to end the harassment. This number is linked to a debt collector, so blocking it can give you peace and reduce stress.

Don't worry about major consequences. Blocking or ignoring these calls won't affect your credit score. If the debt has already impacted your credit report, blocking the number won't make it worse. It's crucial that you focus on resolving any disputes or inaccuracies on your credit report by working with a reputable credit repair company. This can help you handle incorrect negative items and improve your credit score.

• Block the number to stop harassment.
• Work with a credit repair company to manage disputes and inaccuracies.
• Focus on handling your debt through proper channels.

In the end, blocking 8552677451 can give you peace of mind while you focus on fixing your credit report and dealing with your debt effectively.

Can A Debt Collector Like 8552677451 Sue Me

Yes, a debt collector like 8552677451 can sue you. However, it’s generally a last resort. Collectors usually prefer calls and letters over lawsuits, as these are simpler and less costly.

For a lawsuit to happen, you and your debt need to meet certain criteria. Typically, the amount owed should be substantial, often over $5,000. The collector must also prove that you owe the debt, verify the amount, and show they have the legal right to sue. This can be difficult, especially if the debt has changed hands multiple times.

Suing is expensive and time-consuming. Collectors often choose to settle outside of court. Additionally, there's a time limit, known as the statute of limitations, beyond which they cannot sue you.

If you are sued, you will receive a court summons. It’s crucial that you respond to avoid a default judgment, which could lead to wage garnishment or bank levies. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive actions. Consulting an attorney can help you navigate this.

As a final point, remember: although a collector like 8552677451 can sue you, it’s unlikely. If sued, respond promptly, understand your rights under the FDCPA, and consider consulting an attorney.

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

8552677451 Might Have Your Personal Information

If you receive a call from 8552677451, do not provide any personal information. This number is associated with debt collectors, and engaging with them might risk your personal data. You should avoid picking up when they call to prevent any potential scams or pressure tactics. Instead, you should check your three-bureau credit report to review your credit history comprehensively.

Working with a reputable credit repair company can be a beneficial step. These companies have the expertise to help you dispute inaccuracies and build a plan to improve your credit score effectively. They handle the complexities of dealing with creditors and collectors, allowing you to avoid direct interaction, which can be stressful and potentially risky.

You should remember these points:
- Do not share personal information over the phone.
- Avoid answering calls from unknown numbers suspected to be debt collectors.
- Check your credit reports from all three bureaus.
- Consider professional help from a reputable credit repair service to manage and improve your credit.

Bringing it all together - you can protect your personal information by not engaging with calls from 8552677451 and focusing on checking your credit reports and seeking professional help for any inaccuracies.

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

Types Of Debt Collected By 8552677451

8552677451 collects various types of debt you might owe. They specialize in unpaid personal loans, medical bills, credit card debt, and overdue utility accounts. You’ll find that they assist financial organizations, healthcare providers, retailers, and even government agencies.

If your account is past due, they help recover funds. They work with different sectors to ensure that debts are managed and recovered efficiently.

All things considered, if you face collections from 8552677451, it’s crucial to know they handle personal loans, medical bills, credit card debt, and overdue utility accounts.

How Do I Check If I Owe Money To 8552677451

To check if you owe money to 855-267-7451 (Puget Sound Collections), follow these steps:

First, examine your past bills, account statements, and receipts to make sure you haven't missed any payments. Next, get a free copy of your credit report from AnnualCreditReport.com and look for any debts associated with your name.

If you find a debt from 855-267-7451 on your credit report, request debt validation from the collection agency. They must provide proof that you owe the debt. It's important that you don't call them directly, as this might reset the statute of limitations on old debts.

If you believe the debt is incorrect, you can dispute it by contacting the credit bureaus, although this can be a lengthy process. If you're feeling unsure or facing harassment, consulting a consumer protection lawyer for advice is always a good option.

Lastly, by gathering your documentation and following these steps, you can effectively manage and verify your debt situation.

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

Which Debt Collection Laws And Regulations Protect Me From 8552677451

You are protected by several debt collection laws and regulations from debt collectors like 855-267-7451, which belongs to Personal Finance Company.

The Fair Debt Collection Practices Act (FDCPA) is the main federal law. It prohibits abusive, deceptive, or unfair practices. Collectors can't contact you before 8 AM or after 9 PM, at your work if forbidden by your employer, or use abusive language, threats, or harassment. They cannot falsely represent themselves or disclose your debt to third parties. They also can't demand illegal amounts.

Under the FDCPA, collectors must send you a validation notice within 5 days of first contact. This notice should detail the debt's amount, the creditor's name, and your rights to dispute the debt. If you dispute in writing within 30 days, the collector must provide verification and cease collection until this is provided.

State laws offer additional protections. Some states require debt collectors to be licensed, and many have laws echoing or expanding FDCPA rules.

The Telephone Consumer Protection Act (TCPA) also restricts multiple calls and the use of pre-recorded messages without your consent.

You have the right to demand that a debt collector stop contacting you. You should send a written request to cease communication. If you're represented by an attorney, the collector must communicate only with your attorney.

If collectors violate these laws, you can report them to the FTC, CFPB, or your state attorney general. You can also sue for FDCPA violations within one year, seeking damages and attorney fees.

Finally, knowing these laws empowers you to handle debt collectors confidently and protect your rights.

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 8552677451/Puget Sound Collections Have Any Lawsuits Against Them

Yes, Puget Sound Collections has faced lawsuits. For example, in 'Campbell v. Puget Sound Collections Inc.,' Angela Campbell filed claims under the Fair Debt Collection Practice Act (FDCPA) and Washington's Consumer Protection Act (CPA). This case involved a $1,550 medical debt complicated by Campbell's name change and Medicaid coverage. The court ultimately granted the defendant’s motion to dismiss and for summary judgment.

You should also know that there are multiple official complaints against Puget Sound Collections. These complaints include allegations of FDCPA violations, such as making threats of illegal actions and using misleading language to collect debts.

If you need assistance or have questions, consider contacting a professional for a free case evaluation. These experts can help you understand your rights and possibly stop any harassment.

In closing, Puget Sound Collections has indeed faced lawsuits and numerous complaints. You should seek professional advice to protect your rights and address any issues you might have with this company.

What Do People Online Say About 8552677451

People online have shared various experiences about the phone number 8552677451. According to Reddit and other forums, you might find that interactions with this number are mostly about debt collection.

Reddit user 'JohnDoe1985' commented, 'I keep getting calls from 8552677451. They say they are from PFC and are trying to collect a debt. It's really annoying!' Another user, 'FinanceGuru92,' shared, 'I received a call from 8552677451 about an unpaid medical bill. They were polite but persistent.' User 'DebtFreeSoon' posted, '8552677451 is Professional Finance Company. They called me regarding an old credit card debt I forgot about.'

From these comments, it is evident that people see calls from 8552677451 as legitimate attempts by a debt collection agency to recover unpaid debts.

Overall, many of you describe these calls as persistent and often frustrating, though the underlying matter is usually a valid debt.

Do I Really Need To Remove 8552677451 From My Credit Report

Yes, you should remove 8552677451 from your credit report if it's potentially inaccurate. Here's why and what you can do:

First, confirm that this collection is actually on your credit report. Verify whether the information is inaccurate. Only incorrect or incomplete data can be removed.

Avoid using typical credit repair companies. Most of them are ineffective and deceptive, often carrying poor ratings and failing to remove inaccuracies effectively.

Disputing inaccuracies on your own requires effort and can be time-consuming. You'll need to invest a lot of time and effort to manage this process by yourself.

Instead, consider reaching out to a reputable company like The Credit Pros. A good credit repair company, though rare, can significantly improve your chances of removing potentially inaccurate negative items.

As a final point, verify the accuracy of the collection, avoid unreliable credit repair companies, and consider trusted help to manage the process efficiently.

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

Here are other formats 8552677451 can be written

- +1 855-267-7451
- +1 (855) 267-7451
- +1 855 267 7451
- (855) 267-7451
- 855-267-7451
- 855.267.7451
- 855 267 7451
- +18552677451
- (855) 267-7451
- 855.267.7451
- 8552677451

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 Puget Sound Collections 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