Home / Who is 8778254490 (+ how are they hurting my credit score)

Who is 8778254490 (+ how are they hurting my credit score)

  • Phone number 8778254490 is likely a debt collector called:' Apelles, LLC'.
  • 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

You’re probably tired of calls from 877-825-4490. That number could be a debt collector, specifically Apelles, LLC, bugging you about an unpaid debt. This stress can hurt your credit score, causing financial strain. Ignoring or blocking the calls might give you a break, but it doesn’t fix the real problem.

These calls might mean a few things. Apelles, LLC, or someone else, might’ve bought your unpaid debt and is now trying to collect. Blocking the number stops the calls, but the debt stays. Tackling the root cause is crucial for peace of mind and better financial health.

For a lasting solution, call The Credit Pros. We’ll check your full 3-bureau credit report, see if Apelles, LLC is the collector, and find any other issues. We’ve helped many people remove possibly inaccurate items, likely boosting their credit scores and improving their finances. No more harassing calls, just a better financial future.

Who Is 8778254490: Scam Or Legitimate

The number 877-825-4490 belongs to a debt collection agency that could be legitimate, but it can also be a scam. It's crucial that you don't engage directly with the caller, whether they are legitimate or not. Do not pay any debt immediately if you have doubts. Here’s what we advise you to do:

1. Verify the Debt: Ask for written information about the debt before you pay anything. This includes the name of the creditor, the amount owed, and the verification of the debt.
2. Pull Your Credit Report: Check for any negative items that seem inaccurate. This helps you determine if the call is legitimate.
3. Contact The Credit Pros: We can assist you in verifying any debts, disputing inaccuracies, and improving your credit score.

Scammers can use your personal information for identity theft, so never provide your financial details unless you are confident about the caller’s legitimacy. If you need help, reach out for a free 3-bureau credit report evaluation.

To sum up, make sure you verify the debt, check your credit report, and consider consulting with professionals like The Credit Pros to confirm any details. Always protect your information and stay safe from potential scams.

How Do I Stop 8778254490 From Harassing Me (How To Report Them)

To stop 8778254490 from harassing you and report them, follow these steps:

First, document each unwanted interaction, noting dates, times, and any abusive language used. Register your number on the Do Not Call Registry. This helps block many unwanted calls.

Next, block the number through your phone settings or use apps like:
- 'Call Blocker - Stop spam calls' for Android.
- 'Robokiller: Spam Call Blocker' for Apple.

File complaints with:
- Federal Communications Commission (FCC) at fcc.gov/complaints.
- Federal Trade Commission (FTC) at ReportFraud.ftc.gov.
- Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or call (855) 411-2372.

If the situation escalates:
- Consider a restraining order.
- Hire a harassment lawyer.
- Send a cease and desist letter using a template from eforms.com/cease-and-desist.

Additionally, report robocalls through Nomorobo if you use their platform. Contact your phone carrier for extra call-blocking tools and check with your local or state consumer protection office for more resources.

To wrap things up, document calls, block the number, file complaints with the FCC, FTC, and CFPB, and consider legal steps if necessary. You have several options to stop and report the harassment from 8778254490.

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

Should I Block Or Ignore 8778254490

You should block 8778254490. Blocking or ignoring calls from this number, likely from Apelles, LLC, a debt collection company, usually has no major consequences. However, make sure they are indeed a debt collector first.

If they are harassing you, blocking the number is smart. These calls can't impact your credit score just by receiving them. If the collection is on your credit report, blocking won’t cause further harm.

You should consider working with a reputable credit repair company to remove any potentially inaccurate negative items. This way, you block unwanted calls while receiving professional help to improve your credit score.

In the end, blocking 8778254490 protects you from harassment and doesn't harm your credit score-take control of your financial situation confidently by blocking the number and seeking professional assistance if needed.

Can A Debt Collector Like 8778254490 Sue Me

Yes, a debt collector like 8778254490 can sue you, but it's rare. Lawsuits are usually a last resort and generally occur only for significant debts, often over $5,000. They must prove you owe the debt, the amount is accurate, and that they have the legal right to sue, which is challenging if the debt has changed hands multiple times.

Litigation is costly and time-consuming, so collectors prefer calls and letters. Be mindful of the statute of limitations in your state, as an old debt might be beyond the period for legal action, reducing the chances of a lawsuit.

If you are sued, you'll 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.

You are protected by the Fair Debt Collection Practices Act (FDCPA) from abusive practices. Consulting an attorney if you receive a lawsuit can help you understand your options and defenses better.

Here are some steps you can take:
• Verify the debt is yours before paying.
• Know your state's statute of limitations.
• Understand your rights under the FDCPA.

As a final point, remember that while being sued by a debt collector like 8778254490 is possible, it's unlikely. Always verify the debt, be aware of the statute of limitations, and consult an attorney if needed to protect your rights.

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

8778254490 Might Have Your Personal Information

Calls from 8778254490 might have your personal information. This number is likely linked to a debt collector called Apelles, LLC. You should avoid providing any information to these callers. If you answer, it may confirm your details in their system and result in more calls.

Instead of engaging, focus on getting your 3-bureau credit report from TransUnion, Experian, and Equifax. This will help you identify any incorrect information affecting your credit. Working with a reputable credit repair company can assist in resolving inaccuracies and disputes on your credit report. These companies have the expertise to handle complex credit issues, helping you improve your credit score.

Here’s what we advise you to do:
• Block the number to stop further calls.
• Obtain your 3-bureau credit report to check for inaccuracies.
• Work with a reputable credit repair company to handle disputes and improve your credit.

Bringing it all together - blocking calls from 8778254490, checking your credit report, and working with a credit repair company will protect your personal information and help improve your credit score with less stress.

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

Types Of Debt Collected By 8778254490

8778254490, linked with Apelles, LLC, collects various types of debt. They target credit card accounts, medical bills, loans such as personal, auto, and student loans, and unpaid utility bills. These collectors also acquire delinquent debt from original creditors and attempt to recover it. If they succeed, they keep the collected amount.

If you find yourself dealing with 8778254490, it's crucial to know what types of debt they collect. These types can impact your credit score and financial status. Therefore, you should take steps to address and manage these debts properly.

All things considered, understanding the types of debt collected by 8778254490 can help you navigate your financial challenges more effectively. Knowing they handle credit card accounts, medical bills, various loans, and utility bills gives you a clearer picture of what to expect and how to manage it.

How Do I Check If I Owe Money To 8778254490

To check if you owe money to 8778254490, follow these steps:

First, review your credit reports. Get your free credit report from Equifax, Experian, and TransUnion at annualcreditreport.com. Look for any collections accounts listed and see if Apelles, LLC is mentioned.

Next, check your records. Gather your past bills, account statements, and receipts. Compare these with any debts listed in your credit report.

If the debt appears on your credit report, request debt validation from Apelles, LLC. They must provide proof that you owe the debt.

Be cautious about contacting the debt collector directly as this can reset the statute of limitations on the debt.

Lastly, if you're facing harassment or have a disputed debt, consider consulting a consumer protection lawyer to understand your rights and options. By being proactive and gathering all relevant documentation, you can prevent inaccuracies in debt collection efforts from impacting 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 8778254490

Various laws and regulations protect you from unfair practices by debt collectors associated with 8778254490. Here's what you need to know:

The main law, the Fair Debt Collection Practices Act (FDCPA), prohibits abusive, deceptive, or unfair practices. Debt collectors can't call you before 8 AM or after 9 PM, contact you at work if your employer forbids it, or falsely pretend to be attorneys or government agents. They also can't disclose your debt to others without your permission.

State laws may offer additional protections, like requiring debt collectors to be licensed or imposing further restrictions on their practices.

You have several rights under these laws:
• You must receive a written notice detailing your debt within five days of the first contact.
• If you dispute the debt in writing within 30 days, collectors must stop efforts until they provide verification.
• You can request in writing that the collector stops all contact.
• You can sue for violations within one year and recover damages and attorney fees.

If you feel harassed, report the debt collector to the FTC, CFPB, and your state attorney general.

Finally, remember these protections are in place to help you handle debt collectors confidently and ensure your rights are respected, giving you the power to take control and protect your financial well-being.

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 8778254490/Apelles, Llc Have Any Lawsuits Against Them

Yes, Apelles, LLC has faced lawsuits for violating the Fair Debt Collection Practices Act (FDCPA). These legal actions generally claim that Apelles used deceptive or abusive debt collection practices.

You should be aware that there are official complaints against Apelles, LLC:
• The Better Business Bureau (BBB) has received 15 complaints in the last three years, mostly about billing and collection issues.
• The Consumer Financial Protection Bureau (CFPB) has recorded 36 complaints over ten years, citing problems with billing and collections, some involving FDCPA violations.

If you are dealing with Apelles, understanding your rights under the FDCPA is crucial. It’s advisable that you seek legal assistance to see if you have a case against them.

In closing, we encourage you to know your rights, check for any FDCPA violations, and reach out for legal advice if necessary to protect yourself.

What Do People Online Say About 8778254490

People online have shared their experiences with the phone number 877-825-4490, raising concerns about its legitimacy.

User _Red9_ on Reddit mentioned receiving a call from 877-825-4490 claiming they owe money, but they aren't sure if it's legitimate. Another user, _DebtDoubter_, also reported frequent calls from this number, where the caller claimed to be a debt collector but provided vague details. Additionally, _AnonymousCaller_ received a voicemail from the number, identifying the caller as Apelles, LLC, and requesting a callback.

These experiences suggest that people are skeptical and cautious about the calls from 877-825-4490, often finding the provided information unclear and questionable.

Overall, the sentiment online is one of doubt and concern, with many questioning the legitimacy of calls from 877-825-4490 and expressing uncertainty about the details provided.

Do I Really Need To Remove 8778254490 From My Credit Report

Yes, you really should remove the number 8778254490 from your credit report if it appears incorrect. Handling this yourself can be time-consuming, so we advise you to reach out to a reputable company like 'The Credit Pros' for assistance.

Here are clear steps you can take:

• Confirm the collection appears on your credit report.
• Identify if it's potentially inaccurate.
• Avoid poorly rated credit repair companies.
• Consider a reputable company to help dispute it.

As a final point, taking these steps can save you time and effort, ensuring your credit report improves efficiently and accurately.

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

Here are other formats 8778254490 can be written

- +1 877-825-4490
- +1 (877) 825-4490
- +1 877 825 4490
- (877) 825-4490
- 877-825-4490
- 877.825.4490
- 877 825 4490
- +18778254490
- (877) 825-4490
- 877.825.4490
- 8778254490

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 Apelles, LLC 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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