Home / Who is 8772844308 (+ how are they hurting my credit score)

Who is 8772844308 (+ how are they hurting my credit score)

  • Phone number 8772844308 is likely a debt collector called:' AFNI 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.
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Main phone number related with this page is: 8442364766

Getting calls from 877-284-4308 might mean a debt collector or a scam is on the line. This number likely belongs to AFNI Collections, trying to recover an outstanding debt. Blocking or ignoring the calls may stop them temporarily, but it won't solve the problem and might hurt your credit score.

AFNI Collections might have bought an old debt of yours or could be contacting you for another creditor. Blocking the number won't fix this. Pull your credit report immediately and check for any errors.

For real help, call The Credit Pros at 877-284-4308. We analyze your 3-bureau credit report, confirm if AFNI Collections is calling, and identify other negative entries that might lower your score. We've helped many people in similar situations by removing inaccurate items and improving their credit health. Take action now to stop the calls and improve your financial standing.

Who Is 8772844308: Scam Or Legitimate

The phone number 8772844308 could be associated with a debt collection agency but might also be a scam. If you feel unsure, don't engage with the caller. Whether it's legit or not, you should pull your credit report and check for any inaccurate or negative items. If you see AFNI Collections on your report, it could be legitimate. Still, don’t rush into paying.

Always verify the debt first. You should check if the collector provides the creditor's name, the amount owed, and other details. If they don’t, request it in writing. Remember, scammers often lack this information.

Afni Collections is a real company, but it's always safer to verify. If you find inaccuracies or need help, contact The Credit Pros. They can assist by evaluating your credit report and disputing any wrong items.

• Don't engage directly with the caller.
• Pull and analyze your credit report.
• Verify any claims by requesting written details.
• Contact The Credit Pros for help.

To sum up, always verify debt claims before engaging. You should pull your credit report and request written details to ensure the collector is legitimate. Stay cautious and informed!

How Do I Stop 8772844308 From Harassing Me (How To Report Them)

To stop 8772844308 from harassing you and report them, follow these steps:

1. Document Everything: Keep a detailed log of each call, including dates, times, and any abusive language used.

2. Register on the Do Not Call Registry: Go to DoNotCall.gov and register your number. It takes about 2 minutes.

3. Block the Number: Use your phone’s call-blocking feature or contact your service provider for help. You can also use apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple.

4. File a Complaint:
- FCC: Submit a complaint online at fcc.gov/complaints. Choose the phone form and specify 'unwanted calls.'
- FTC: Report telemarketing calls or disregard of the Do Not Call Registry at ReportFraud.ftc.gov or DoNotCall.gov/report.html.
- CFPB: Gather all information and submit a complaint. Visit consumerfinance.gov/complaint or call (855) 411-2372.

5. Send a Cease and Desist Letter: Use the template at eforms.com/cease-and-desist.

6. Seek Legal Help: If the calls don't stop, consider hiring a harassment lawyer. You can also pursue a lawsuit for violations of the Fair Debt Collection Practices Act (FDCPA).

To wrap things up, document the calls, register on the Do Not Call Registry, block the number, file complaints with FCC, FTC, and CFPB, send a cease and desist letter, and seek legal help if necessary. This approach should help you stop 8772844308 from harassing you and effectively report them.

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

Should I Block Or Ignore 8772844308

You should block 877-284-4308. Blocking the number will stop them from contacting you and reduce your stress. If you ignore them, you may still receive continuous calls that disrupt your day. By blocking this number, you can avoid harassment from debt collectors without affecting your credit score.

You should take these steps:
- Block the number to stop the calls.
- Contact a reputable credit repair company to address inaccuracies on your credit report.
- Stay aware that ignoring calls might not fully stop the harassment.

In the end, blocking 877-284-4308 will give you peace of mind and a clear plan to manage any credit report issues.

Can A Debt Collector Like 8772844308 Sue Me

Yes, a debt collector like 8772844308 can sue you, but it’s often unlikely unless the debt is substantial, typically over $5,000.

They must prove you owe the debt, the amount is accurate, and they have the legal right to sue, which can be tough if the debt has changed hands multiple times. Plus, suing is expensive and time-consuming, so debt collectors usually prefer settling out of court. Each state has a specific time frame or statute of limitations within which they can sue you, and if the debt is too old, it might be beyond this period.

Debt collectors typically try calls and letters before considering a lawsuit. If they do sue, you will receive a court summons and complaint. It's crucial that you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

As a final point, remember you have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, we advise you to consult with 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

8772844308 Might Have Your Personal Information

The number 8772844308 might have your personal information. If you receive a call from this number, it is best that you don't pick up. Engaging with debt collectors or potential scammers can expose your sensitive information. Instead of interacting with them, you should:

• Obtain your 3-bureau credit report to check for any issues or inaccuracies.
• Create a comprehensive plan to improve your credit score.
• Consider working with a reputable credit repair company because they can guide you through resolving inaccuracies, disputes, and improving your overall credit health.

Debt collectors often ask for personal information, which can be a privacy risk. You should block the number as a proactive step to safeguard your data. Always verify any debts with proper documentation and avoid sharing personal details over phone calls.

Bringing it all together - If you receive a call from 8772844308, don't engage. Check your credit report, create a solid plan, and consider professional help to protect and improve your credit score.

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

Types Of Debt Collected By 8772844308

AFNI Collections collects many types of debt, including unpaid credit card bills, medical bills, utility bills, personal loans, and other delinquent debts. They purchase these debts from original creditors and attempt to recover the funds. When AFNI buys your debt, they notify credit bureaus as you make payments.

You should know your rights under the Fair Debt Collection Practices Act when you deal with any debt collector.

All things considered, AFNI Collections handles various debts like unpaid credit card bills and medical bills, so being aware of your rights and dealing with them properly is crucial.

How Do I Check If I Owe Money To 8772844308

First, you should check your own records for any final bills or account statements to see if you owe money. Next, review your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com. This report should list all your current and past debts, including any collections accounts, along with the contact information for the collection companies handling them.

If you find that debt from 877-284-4308 appears on your credit report or if a debt collector from this number contacts you, you should request debt validation from the collections agency. They need to provide proof of the debt, including the amount owed and the name of the original creditor. Avoid direct contact initially to prevent restarting the statute of limitations on any old debts.

Should you receive letters or calls from this number, verify the information they provide with your own financial records and the details on your credit report. If you don't believe the debt is yours or find discrepancies, you can dispute the debt with the credit bureaus.

For persistent or harassing debt collection practices, consider consulting a consumer protection lawyer. They can help you defend your rights and ensure that any debt collection efforts are legal and accurate.

Lastly, make sure to gather as much documentation as possible before taking any further steps. This will help you handle the situation effectively 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 8772844308

To protect yourself from the debt collection practices of 8772844308, you are safeguarded by several laws and regulations.

The Fair Debt Collection Practices Act (FDCPA) shields you from unfair practices. These include:
- Calls before 8 AM or after 9 PM, or at work if your employer prohibits it.
- Use of abusive language, threats, or harassment through repeated calls.
- False representation as attorneys or government affiliates.
- Disclosure of your debt to third parties, such as friends or coworkers.
- Demanding more money than legally allowed.

Debt collectors must also provide a written validation notice within five days of initial contact, detailing the debt amount, creditor’s name, and your rights to dispute the debt. If you demand all communications stop, the collector must comply, except for specific legally allowed notices.

State debt collection laws can offer additional protections. For example, New York has stringent licensing requirements for debt collectors.

If 8772844308 or any collector from AFNI Collections violates these rules, document the incidents. Consider seeking legal advice or filing a complaint with the FTC, CFPB, or your state’s attorney general.

Finally, you have strong protections in place; don’t hesitate to use them to defend yourself against unfair debt collection practices.

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 8772844308/Afni Collections Have Any Lawsuits Against Them

Yes, 8772844308/AFNI Collections has faced lawsuits. Here are a few examples:

• A consumer sued for violations of the Fair Debt Collection Practices Act (FDCPA), including up to ten harassing calls a day and threats of arrest.
• Several lawsuits were filed for making calls before 8:00 a.m. and after 9:00 p.m., and for false threats of legal action.

Additionally, there are official complaints against AFNI Collections, such as:

• Attempting to collect debts that aren't owed.
• Continuing to contact individuals after being asked to stop.
• Violating FDCPA guidelines with improper communication tactics.

It's crucial that you know your rights under the FDCPA if you’re dealing with AFNI Collections.

In closing, AFNI Collections has had multiple lawsuits for FDCPA violations. Make sure you understand your rights and take necessary steps to protect yourself.

What Do People Online Say About 8772844308

People online have shared mixed experiences about the number 877-284-4308. Here are specific quotes from various users:

- 'They keep calling. I don't answer because no one has that phone number which is new other than my children. I use calling app to lower monthly charges. I called back one time and got a recording about collecting a debt. No credit cards, no loans, only have hospital bills.' - Anonymous Ohio

- 'Called and asked for me by name multiple times after I already confirmed it was me, resided the known debt collector line then connected me to another rep who stated the same line then said I owed a big debt of 1300 to AT&T but wouldn't say what for. I have never had an account with AT&T or did any business with them. I disconnected right away.' - Jasmine Florida

- 'Said they were from AT&T that I owed an IPAD from 2021 that was returned, never ordered an IPAD or owe an IPAD w/AT&T BEWARE SCAM.' - Anonymous Texas

- 'Called asking for my companion about a Private Matter and requested I give their information to my companion. I suspect they acquired the phone number through health insurance government program.' - Anonymous Texas

- 'They just call but never say anything. Called several times. Sayings it is Acme calling about a Debt. I get calls for someone who used to have my number all the time, not for me.' - Anonymous California

- 'Calls daily!' - Anonymous Florida

- 'You answer the call and get nothing.' - Anonymous Pennsylvania

- 'I keep on getting called when I'm at school but then I call back there's no answer.' - Moth Hawaii

Overall, you can see that many people view the number as linked to debt collection, often questioning the legitimacy of the claims. A significant portion of the feedback indicates annoyance due to frequent and seemingly inaccurate calls.

Do I Really Need To Remove 8772844308 From My Credit Report

Yes, you really need to remove 8772844308 from your credit report if it’s there and you've identified it as potentially inaccurate. This can harm your credit score and limit your financial opportunities. Instead of hiring a typical credit repair company, which often doesn’t do a good job and can be deceptive, you should consider working with a reputable company like The Credit Pros to save time and effort. They can help you effectively dispute and potentially remove such items.

Steps to Take:
1. Confirm Accuracy: Check that the collection is actually on your report and assess if it is potentially inaccurate.
2. Avoid Typical Credit Repair Companies: Many are poorly rated and ineffective.
3. Seek Professional Help: Consider contacting a reputable credit repair company to handle the dispute process for you.

Remember, doing this yourself can be time-consuming and complicated. Getting expert help can make a big difference.

As a final point - make sure you check the accuracy of your credit report, avoid unreliable credit repair companies, and seek help from a reputable firm to remove 8772844308 from your credit report efficiently.

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

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- (877) 284-4308
- 877-284-4308
- 877.284.4308
- 877 284 4308
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- 8772844308

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 AFNI 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.

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