Home / Who is 8647521800 and why are they calling me?

Who is 8647521800 and why are they calling me?

  • Phone number 8647521800 is likely a debt collector called:' American Credit Acceptance'.
  • 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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Main phone number related with this page is: 8009556600

The phone number 864-752-1800 likely belongs to a debt collector from American Credit Acceptance or a possible scammer. If this number keeps harassing you, a debt collector may have bought your outstanding debt. Ignoring or blocking the calls might give you temporary peace but won't solve the real issue.

Face this problem head-on. The best step is to call The Credit Pros. We'll chat with no pressure and review your entire 3-bureau credit report to confirm if this debt is valid. You might also find other inaccuracies affecting your credit score. Blocking the number will stop the harassment for now, but dealing with the root cause will prevent future stress.

We've guided many people through similar situations, often removing potentially inaccurate items from their credit reports. This can boost your credit score and improve your financial well-being. Tackle this issue now to secure your financial future and end those harassing calls for good!

Who Is 8647521800: Scam Or Legitimate?

The phone number 864-752-1800 is associated with debt collection calls, likely from American Credit Acceptance. However, it could also be a scam. To determine the legitimacy, you should not engage with the caller directly. Instead, here’s what we advise you to do:

1. Do not pay any debt they're claiming immediately, especially if you have doubts.
2. Pull your credit report and carefully analyze it for any inaccuracies or negative items.
3. If this number or the associated company appears on your credit report, it’s likely legitimate. Still, it’s not worth responding directly.
4. Contact The Credit Pros for a free 3-bureau credit report evaluation and help to verify any debt, dispute inaccuracies, or improve your financial situation.
5. Consider blocking the number and filing a complaint with the FTC if you suspect it’s a scam.

To sum up, you should verify any debt through official channels, safeguard your personal information, and seek professional help if needed.

How Do I Stop 8647521800 From Harassing Me (How To Report Them)?

To stop 8647521800 from harassing you, follow these steps:

1. Document the Harassment: Keep a detailed log of all unwanted calls, including dates, times, and any abusive language used.
2. Register Your Number: Go to DoNotCall.gov and register your number. It takes only a couple of minutes.
3. Block the Number: Use your phone’s call-blocking feature or contact your service provider for help. You can also use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.
4. Report to Authorities:
- FCC: If the calls are illegal robocalls or spoofed, file a complaint at FCC Complaints.
- FTC: Report any telemarketing violations to FTC Report Fraud.
- CFPB: Submit a complaint through CFPB or call (855) 411-2372.
5. Cease and Desist Letter: Consider sending a cease and desist letter using the template at eforms.com/cease-and-desist.
6. Escalating Measures:
- Restraining Order: If calls persist or threats escalate, consider getting a restraining order.
- Legal Help: Hiring a harassment lawyer might be necessary to provide legal remedies based on specific state and federal laws.

To wrap things up, document the harassment, block the number, and report to the relevant authorities. Consider a cease and desist letter or even legal action if the problem continues. You have several steps you can take to stop 8647521800 from harassing you effectively.

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

Should I Block Or Ignore 8647521800?

You should block 8647521800. Ignoring the number won't stop the calls. If it’s a debt collector from American Credit Acceptance, they might continue to harass you. Blocking their number helps you avoid constant disruption.

You should also consider working with a reputable credit repair company to handle any related credit report issues. This won't affect your credit score negatively; blocking them will just prevent further stress. Ensuring you're not continuously bothered by these calls helps you focus on solving the underlying issue effectively.

In the end, blocking 8647521800 and seeking professional help will reduce your stress and allow you to address any credit report issues more efficiently.

Can A Debt Collector Like 8647521800 Sue Me?

Yes, a debt collector like 8647521800 can sue you, but it's not very likely. Debt collectors usually try other methods first, like calling and sending letters, before considering legal action.

- Lawsuits as a Last Resort: Suing is expensive and time-consuming. Debt collectors often only sue if the debt is substantial, usually over $5,000.
- Proof of Debt: They must prove 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 changed hands multiple times.
- Statute of Limitations: Each state has a time limit for how long a debt collector can sue you. If your debt is old, it might be beyond this period, which makes a lawsuit less likely.

If a debt collector decides to sue, you will receive a court summons and complaint. You must respond within the specified deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies-although such extreme measures are still very uncommon.

Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights. If you receive a lawsuit, consult an attorney to understand your options and defenses.

As a final point - always respond to court summons, avoid making small payments that could restart the statute of limitations, and know your rights to handle threats of lawsuits effectively.

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

8647521800 Might Have Your Personal Information

If you get a call from 8647521800, they might have your personal information. Here's what you should do:

- Do Not Engage: It's crucial that you don't share any information with callers from this number. Scammers often use these calls to gather more details from you.
- Don’t Pick Up: If you see this number, don't answer. Picking up can lead to more scam calls, as it signals your number is active.
- Check Your Credit Reports: Whether you answer or not, you should check your 3-bureau credit report for any unauthorized activities. This helps you spot fraudulent activities early.
- Create a Plan: Start building a comprehensive plan to improve and protect your credit. Dispute any inaccuracies and regularly monitor your credit score.
- Work with a Reputable Credit Repair Company: A reputable credit repair company can help you handle any issues on your credit report. They have the expertise to deal with erroneous claims and can guide you through protecting your credit score.
- Bringing it all together - if 8647521800 calls, avoid engaging, don't pick up, check your credit reports, create a plan, and consider working with a reputable credit repair company to safeguard your personal information.

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

Types Of Debt Collected By 8647521800

8647521800 is a phone number from a debt collection agency that contacts you to collect various types of debts. They handle unpaid loans, credit card bills, medical bills, utility bills, and other overdue amounts. Often, they buy the debt from original creditors such as banks, hospitals, and utility companies.

If you receive a call from 8647521800, you are likely dealing with debts from these sources. It is essential that you verify the debt before making any payments.

All things considered, 8647521800 collects different types of debt like unpaid loans and medical bills, making it crucial for you to verify the debt's legitimacy before taking any action.

How Do I Check If I Owe Money To 8647521800?

To check if you owe money to 8647521800, follow these steps:

First, review your credit reports. You can get a free credit report from each of the three major credit bureaus-Experian, TransUnion, and Equifax-at AnnualCreditReport.com. Look for any debts listed that may be associated with the number.

Next, check your records. Search for final bills, account statements, or equipment return receipts related to American Credit Acceptance. Verify any outstanding balances or notices of unpaid bills you may have overlooked.

If you find a debt on your credit report that you don’t recognize, request debt validation. Send a written request to the debt collector asking for proof that the debt is yours. They must provide documentation.

Verify the legitimacy of any contact. Before giving out personal information, ask the caller’s name, company name, street address, and callback number. Verify this information to ensure they are not scammers.

Lastly, if you're facing harassment or have doubts about the debt’s validity, consider consulting a consumer protection lawyer. Remember to avoid engaging directly with the caller initially, and be cautious with your personal financial information to avoid 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 8647521800

You are protected from the phone number 8647521800, likely a debt collector, by several key laws and regulations.

Firstly, the Fair Debt Collection Practices Act (FDCPA) is a primary federal law that safeguards you from abusive, unfair, or deceptive practices by debt collectors. This means collectors cannot harass you, use obscene language, or repeatedly call you to annoy you. They also can't threaten you with violence or make false claims about your debt. Additionally, they must provide a written validation notice about the debt, detailing how much you owe, the creditor’s name, and your rights to dispute the debt.

On top of federal laws, many states have their own debt collection laws providing extra protection. These laws can include stricter rules on debt collection practices or additional consumer rights.

Debt collectors also cannot contact you at inconvenient times (before 8 AM or after 9 PM) or at work if your employer prohibits such calls. If you tell them in writing to stop contacting you, they must comply, except to inform you of specific actions like a lawsuit.

If collectors contact you through social media or leave voicemail messages, they must follow specific rules, like including identifying information and allowing you to respond.

You have the right to dispute the debt within 30 days of receiving the validation notice. Until the collector proves the debt's validity, they must stop their collection efforts.

If these protections are violated, you can report the collectors to agencies like the FTC or CFPB, and you might be able to sue for damages.

Finally, remember that laws are here to protect you, and if you face any unfair practices, you have the right to defend yourself and seek legal help 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 8647521800/American Credit Acceptance Have Any Lawsuits Against Them?

Yes, American Credit Acceptance does have several lawsuits against them. Some notable cases include:

- Improper Car Repossession Settlement: ACA agreed to forgive over $98 million in deficient account balances. They were accused of improper car repossession and non-compliance with California lending laws by providing insufficient written notices and assessing deficiency balances based on those notices.
- Truth in Lending Act Violation: ACA is under scrutiny for allegedly violating the Truth in Lending Act. They are accused of teaching fraudulent practices to car dealership salespeople, resulting in illegal repossessions and garnishments.
- Stacy Clarke v. American Credit Acceptance: Clarke claimed that ACA violated her consumer rights and engaged in fraudulent conduct. The court has moved parts of this case to arbitration.

Consumer complaints include persistent illegal repossessions, deceptive training programs for car dealerships, issuing predatory loans (especially targeting veterans), and filing inaccurate credit reports to garnish wages based on false vehicle values.

In closing, it's clear that American Credit Acceptance faces significant legal challenges. If you have been affected, exploring your legal options might be a prudent step.

What Do People Online Say About 8647521800?

You likely want to know what people online say about the phone number 8647521800. Here’s what we've found:

u/Jenholliday mentioned: "Unfortunately, there is a common scamming practice known as number spoofing where one’s phone number can be used to call other people and attempt to get personal and private information."

u/TgFloorman shared: "Telemarketers/Scammers are using a computer program to spoof your phone number. They are now using neighborhood spoofing, using area code and prefix from your area to disguise the number."

u/BillReminder posted on Robokiller: "This is a fake phantom debt collection scam! This is what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a debt collector, bank, credit agency, billing department, lawyer, or law enforcement and threatens to sue or arrest you using lies, harassment, and intimidation to collect on fake debts that you do not owe."

From these insights, you can see that people have encountered issues with spoofing and scam calls related to 8647521800. Many users reported fraudulent activities, such as phishing and phantom debt collection scams. This emphasizes the importance of being vigilant.

Overall, it’s clear that you should stay alert for scam calls from 8647521800, and consider using spam call-blocking apps to protect yourself.

Do I Really Need To Remove 8647521800 From My Credit Report?

Yes, you really should consider removing 8647521800 from your credit report if you’ve identified it as potentially inaccurate. Begin by confirming that this collection is indeed listed on your report. You might feel tempted to hire credit repair companies, but be cautious-many of them are poorly rated and ineffective.

You have the option to dispute it on your own, but this can be time-consuming and exhausting.

Instead, save yourself the hassle by reaching out to a reputable credit repair company like The Credit Pros. They can significantly help in removing these inaccurate items.

As a final point, make sure you first verify the collection item and consider engaging a trusted credit repair service to handle the removal for you 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 8647521800 can be written

- +1 864-752-1800
- +1 (864) 752-1800
- +1 864 752 1800
- (864) 752-1800
- 864-752-1800
- 864.752.1800
- 864 752 1800
- +18647521800
- (864) 752-1800
- 864.752.1800
- 8647521800

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 American Credit Acceptance 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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