Who is 8773945975 and why are they calling me?

The phone number 877-394-5975 is associated with CardWorks Servicing, a debt collection agency. Whether it's a legitimate call or a scam, here's what we advise you to do:

1. Do Not Engage: You should not talk to them directly.
2. Verify Your Debt: Request a free 3-bureau credit report to check for any inaccurate or negative items.
3. Check Your Credit Report: If you see a debt from this agency, it might be legitimate but still not worth responding to directly.
4. Seek Professional Help: The Credit Pros can help you verify debts, dispute inaccurate items, and improve your financial situation.
5. Block the Number: Block the number to avoid further calls and stress.

To sum up, you should verify any debt, check your credit report, seek professional help if needed, and block the number to protect your financial information.

To stop 8773945975 from harassing you, follow these steps:

Document Everything: Keep a log of each call, noting the dates, times, and any abusive language used.

Join the Do Not Call Registry: Register your number at DoNotCall.gov. This takes just a few minutes and can help reduce unwanted calls.

Block the Number: Use your phone’s call-blocking feature or seek assistance from your service provider. Apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple can also be effective.

Escalate if Needed:
- File a Complaint: Report the number to the Federal Communications Commission (FCC) at fcc.gov/complaints and the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.
- Restraining Order and Cease and Desist: If the harassment continues or is threatening, consider a restraining order and send a cease and desist letter using the template at eforms.com/cease-and-desist.
- Contact an Attorney: Consult a harassment lawyer for legal advice. Violations of the Fair Debt Collection Practices Act (FDCPA) could entitle you to compensation.

Use Nomorobo: If you have Nomorobo, report the unwanted calls directly through their platform.

To wrap things up - stopping the harassment from 8773945975 involves documenting calls, registering with the Do Not Call Registry, blocking the number, escalating with complaints if needed, and potentially using Nomorobo for added protection.

Yes, you should block 8773945975. Ignoring or blocking calls from this number won't have negative consequences on your credit score by itself. If this number is from a debt collector like CardWorks Servicing and they are harassing you, blocking them is generally a smart move. You can reduce stress by not having to deal with constant calls.

However, while blocking them may stop your phone from ringing, it doesn’t address the debt issue. If this debt is already on your credit report, it's already affecting your score and won't cause additional damage just because you block their calls.

We advise you to work with a reputable credit repair company to handle any inaccuracies or disputes on your credit report. This is the best way to ensure that any potentially inaccurate negatives are addressed correctly.

In summary:

- Block the number to avoid harassment.
- Your score won't drop just because you block or ignore them.
- Work with a credit repair company for handling credit report disputes.

In the end, blocking the number helps you avoid stress, but remember to work on your credit report to truly handle the debt.

Yes, a debt collector like 877-394-5975 can sue you, but it's extremely unlikely. Here's what you need to know:

Debt collectors usually sue only as a last resort and for substantial amounts, typically over $5,000. They must prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be tough if the debt has changed hands multiple times. Suing is costly and time-consuming, so they prefer settling out of court. Every state has a statute of limitations that limits the time they can sue you for an old debt.

If they do sue, you will get a court summons. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies (though this is uncommon). Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights against abusive or deceptive practices by debt collectors.

As a final point, if you are sued, consider consulting with an attorney for guidance. This can help you understand your rights and avoid potential pitfalls.

Don't provide any personal information to 877-394-5975. You should avoid picking up their calls altogether. These calls might be from CardWorks Servicing, likely trying to collect a debt. We advise you to request a copy of your 3-bureau credit report instead. Start building a robust plan to improve your credit.

Getting help from a reputable credit repair company will be a smart move. They can:
- Handle disputes and inaccuracies on your report effectively.
- Ensure your rights are protected.
- Potentially remove invalid negative items.

Block their number to avoid unnecessary stress. Focus on proactive steps to repair your credit.

Bringing it all together, ignore calls from 877-394-5975. Focus instead on securing your credit report and working with a reliable credit repair company to protect and enhance your financial health.

CardWorks Servicing, recognized by the phone number 8773945975, collects various types of debt, including credit card debt, personal loans, and other consumer debts. They work on behalf of creditors who own these debts and are responsible for collecting the outstanding amounts.

If you get a call from this number, it is likely due to unpaid consumer debt, which can impact your credit report. Ensure you verify the debt and understand your rights under the Fair Debt Collection Practices Act (FDCPA).

All things considered, if CardWorks Servicing contacts you, it's crucial that you verify the debt and understand your rights to protect your credit report.

To check if you owe money to 877-394-5975, start by reviewing your records. Look through past account statements, final bills, and receipts related to any equipment returns.

Next, pull your credit reports from Experian, Equifax, and TransUnion. These reports should list any collections accounts, including those linked to 877-394-5975, which is associated with CardWorks Servicing.

If you spot a debt from 877-394-5975, promptly request debt validation from CardWorks Servicing. Send a certified letter asking them to verify the details; they must provide proof before continuing collection efforts.

We advise you not to initiate direct contact with the collection agency. This could inadvertently restart the statute of limitations on the debt.

If you find incorrect information, you should dispute it yourself. Be aware that this process can take several months and require ongoing effort.

Consider consulting a lawyer if you face harassment or have disputes over the debt. A consumer protection lawyer can offer advice and assistance.

Lastly, make sure to gather as much documentation as possible. Checking your records, pulling credit reports, and requesting validation can prevent inaccurate collections from harming your credit.

You are protected by several debt collection laws and regulations from actions by 8773945975. The primary law is the Fair Debt Collection Practices Act (FDCPA). This law prohibits third-party debt collectors from using abusive, deceptive, or unfair practices. They cannot call you before 8 AM or after 9 PM, use abusive language, make threats, or repeatedly call to harass you. They must also provide a validation notice stating the amount owed, the name of the creditor, and your rights to dispute the debt.

State laws can offer further protections. Some states have additional regulations, including restrictions on when and how debt collectors can contact you and what they can say. For instance, in New York, debt collectors must meet strict licensing requirements.

If any debt collector, including those from CardWorks Servicing associated with 8773945975, violates these laws, you have several options:

- Demand they stop contacting you in writing.
- Report violations to the Consumer Financial Protection Bureau (CFPB).
- Report to your state attorney general.
- Take legal action to recover damages, plus attorney fees and costs.

Finally, you are not alone. These laws protect you, and you have tools at your disposal to enforce your rights and reduce stress from harassment.

Yes, CardWorks Servicing has faced lawsuits.

1. Sol Jaffe v. CardWorks Servicing, LLC: This lawsuit involved claims of gross negligence and intentional infliction of emotional distress. It was dismissed with prejudice due to res judicata, which means you can't bring the same issues to court again.
2. Kraus v. CardWorks Servicing, LLC: Filed under the Fair Labor Standards Act, this case focused on labor standards. The lawsuit was terminated on March 8, 2023.

You may also find numerous consumer complaints about CardWorks Servicing on their BBB profile. Common issues include:
- Unfair treatment: Many consumers reported harassment and mistreatment.
- Falsifying debt: Some complaints involved incorrect reporting of debts.
- Non-responsive: Issues with lack of communication when resolving disputes.

If you encounter problems, you can file a complaint with the Federal Trade Commission or consult legal advice to protect your rights.

In closing, knowing that CardWorks Servicing has been involved in lawsuits and faced various consumer complaints can help you take informed actions, such as seeking legal advice or contacting the FTC.

People online have a lot to say about the phone number 877-394-5975.

On Reddit, user "1zqjwu" mentions, "Carson Smithfield Collections." Another user comments, "They call you so many times a day. Thank Robokiller for freaking working amazingly to keep them from breaching me." Others share experiences like, "Calls 5 times a day and doesn’t leave a message," and "This is a fake phantom debt collection scam!"

It’s clear that many are frustrated with the frequency of these calls from 877-394-5975. Some describe it as harassing, while others suspect it's part of a debt collection scam.

Overall, you should be aware that this number is often linked to aggressive and persistent collection practices, prompting many people to use call-blocking solutions like Robokiller to mitigate the issue.

Yes, you should consider removing 8773945975 from your credit report if you've identified it as a potentially inaccurate collection. This number is associated with CardWorks Servicing, a debt collector. Having this collection account on your report can hurt your credit score and reduce your chances of being approved for credit.

Instead of spending a lot of time and energy disputing it yourself, you might want to save yourself the hassle and reach out to a reputable credit repair company, like The Credit Pros. They specialize in dealing with debt collectors and can help you maximize your chances of removing potentially inaccurate negative items.

Here are a few key actions you can take:

- Verify the accuracy of the collection account on your credit report.
- Identify it as potentially inaccurate.
- Reach out to a reputable credit repair company to handle the dispute process for you.

It's important that you handle this carefully to improve your credit score and financial prospects. We understand that this process can be stressful, but with the right help, you can make a significant positive impact on your credit.

As a final point, remember to check the accuracy of any collection accounts on your credit report, seek professional help from a reputable credit repair company, and take proactive steps to improve your financial health.

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.

• 8002744041
• 8885826870
• 8775570506
• 8773945975
• 8558437208
• 8778253242
• 8337351897
• 8003535920
• 4079466256
• 8442651384