Who Is 9784445800 (+ How Are They Hurting My Credit Score)

The number 9784445800 likely belongs to Credit Collection Services (CCS). It’s important that you don't engage directly with the caller, whether they are legitimate or a scammer. Here's what we advise you to do:

1. Check Your Credit Report: You should pull your credit report and look for any collection entries related to CCS or other inaccuracies.
2. Verify the Debt: You must request written verification of the debt from the caller before paying anything.
3. Block the Number: Block the number on your phone to avoid further contact.

For more help, call us for a free 3-bureau credit report evaluation. We can identify potential inaccuracies and negative items that might hurt your score. Many people we've worked with have successfully removed potentially inaccurate debts, boosting their credit scores and improving their financial security.

To sum up, check your credit report, verify the debt by getting written confirmation, and block the number to protect yourself. We're here to help you with a free credit report evaluation and support your financial wellbeing.

If you're being harassed by 9784445800, here's how to stop them and report it:

1. Document Unwanted Interactions: Keep a detailed record of each call, including dates, times, and any abusive language used.

2. Do Not Call Registry: Register your number on DoNotCall.gov. This takes just a couple of minutes and can stop many unsolicited calls.

3. Block the Number: Use your phone’s call-blocking feature or ask your service provider for help. Some recommended apps are:
- Android: 'Call Blocker - Stop spam calls'
- Apple: 'Robokiller: Spam Call Blocker'

4. Escalating Measures:
• Restraining Order: If the harassment continues or escalates, you might need a restraining order. This legal measure can prohibit the person or number from contacting you.
• Harassment Lawyer: Consult with a lawyer if you consider taking legal action. This may involve laws specific to your federal or state jurisdiction.
• Cease and Desist Letter: Send a cease and desist letter using the template available at eforms.com/cease-and-desist.

5. Report to Federal Authorities:
• FCC: If the call was an illegal robocall, spoofed, or simply unwanted, file a complaint at fcc.gov/complaints.
• FTC: Report telemarketing violations or disregard of the Do Not Call Registry at ReportFraud.ftc.gov. For general unwanted calls, use DoNotCall.gov.

6. CFPB:
• Document all interactions thoroughly.
• Submit a complaint online at consumerfinance.gov/complaint or by calling (855) 411-2372.
• Include all relevant details and suggest what you believe is a fair resolution.

7. Contact Phone Carrier: Ask your carrier about their call-blocking tools and options.

8. Local or State Consumer Protection Office: They might have additional resources or methods for handling such complaints.

To wrap things up, you can stop and report harassment by 9784445800 by documenting the calls, registering on DoNotCall.gov, blocking the number, escalating measures if needed, and reporting to various federal authorities. Stay proactive to protect yourself from future harassment.

You should block or ignore the phone number 9784445800 due to the following reasons:

Blocking this number helps you avoid repeated harassment from potential debt collectors. If you ignore them, you might still face continuous calls and even legal action. It’s crucial that you handle the situation proactively.

To protect your credit score, work with a reputable credit repair company. They can assist you in disputing any inaccurate items on your credit report and guide you through the process. This will help maintain your financial health.

Key actions you should take:
• Block 9784445800 to avoid harassment.
• Contact a credit repair company to resolve any inaccuracies.
• Stay proactive and don’t ignore the potential issue.

In the end, blocking 9784445800 helps you manage stress, while working with a credit repair company ensures your financial health remains intact.

Yes, a debt collector like 9784445800 can sue you, but it is very unlikely. They usually sue when the debt is substantial, typically over $5,000. Before suing, they must prove that you owe the debt, the amount is correct, and they have the legal right to sue. This is hard if the debt has changed hands many times. Suing is also expensive and time-consuming, so many prefer to settle out of court. Debt collectors must also respect the statute of limitations, which varies by state.

If they decide to sue, you will get a court summons and complaint. It's important that you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies. You have rights under the Fair Debt Collection Practices Act (FDCPA), and consulting an attorney can help you understand your options and defenses.

As a final point, it is crucial that you know your rights and respond promptly if you receive a court summons. Consult an attorney to explore your defenses and ensure the debt collector follows the law.

9784445800 might have your personal information, so you should handle it cautiously. Don't provide any details to debt collectors like this. Ideally, avoid answering their calls because engaging can confirm your contact info is active, leading to more harassment. Block the number to prevent further calls.

Next, obtain your 3-bureau credit report to review your credit status. Start building a comprehensive plan to improve your credit. We recommend working with a reputable credit repair company to handle disputes and inaccuracies on your credit report effectively. This ensures a safer and smoother process for you.

Bringing it all together - block the number, review your credit report, and consider working with a credit repair company to handle any inaccuracies and protect your personal information. Stay vigilant and protect your personal information.

If you’ve been contacted by 9784445800, typically associated with Credit Collection Services (CCS), you might be dealing with various types of debt they collect. They often handle debts like credit card accounts, medical bills, personal loans, and unpaid utility bills. These debts are either collected on behalf of the original creditors or purchased by CCS.

You might find that 9784445800 is trying to negotiate with you to settle for less than the total owed. If necessary, they could take legal steps to recover the debt. They aim to recover as much of your debt as possible through direct communication or legal action.

All things considered, knowing the types of debt collected by 9784445800 can help you prepare to address and manage these communications effectively.

First, don’t contact the number directly, as this may restart the statute of limitations on old debts. Instead, gather your records like final bills, account statements, or equipment return receipts.

1. Check Your Credit Report: Visit AnnualCreditReport.com to get free weekly credit reports from Experian, TransUnion, and Equifax. This will show reported debts.

2. Review Communications: Look through any letters or emails you've received regarding debts. Check for account numbers and remaining balances.

3. Debt Validation: If the debt appears on your credit report, request validation from the collection agency. They must provide proof that the debt is valid and yours.

Lastly, if you feel overwhelmed or harassed, consider consulting a consumer protection lawyer. Gathering documentation proactively ensures you handle debts accurately without impacting your credit.

Debt collection laws and regulations that protect you from calls like 9784445800 mainly come from the Fair Debt Collection Practices Act (FDCPA). This federal law stops debt collectors from using abusive tactics, harassment, and deception. Here’s what it covers:

• Inconvenient Times: Collectors can't call you before 8 AM or after 9 PM.
• Workplace Contact: They can't call you at work if your employer doesn't allow it.
• Harassment: They're prohibited from calling you repeatedly to harass you.
• Abusive Language and Threats: They can't use obscene language or threaten you.
• False Representation: They can't pretend to be lawyers or government officials.
• Third-Party Disclosure: They can't tell others about your debt without your permission.

Debt collectors must also provide a validation notice detailing the debt amount, creditor's name, and your rights to dispute the debt. If you dispute it in writing within 30 days, they must verify the debt and stop collection efforts until they do.

Additionally, you have the right to:
• Cease Communication: You can demand in writing that they stop contacting you.
• Attorney Representation: If you have an attorney, they must contact your lawyer, not you.
• Sue for Violations: You can sue for FDCPA violations and recover damages plus legal fees.
• Report Violations: You can report them to the FTC, CFPB, and your state attorney general.

State laws might offer extra protections, so check the regulations in your state too. If you’re facing harassment from 9784445800, understanding these rights can help you take the right steps to protect yourself.

Finally, knowing Which Debt Collection Laws and Regulations Protect You from 9784445800 empowers you to take action, demand respect, and safeguard your rights.

Yes, Credit Collection Services (CCS) has faced lawsuits and official complaints related to debt collections.

Lawsuits:
1. Berkowitz v. CCS Credit Collection Services: This case, filed in the United States District Court, Eastern District of New York (Case No. 2:19-cv-1421-FB-SIL) on March 8, 2018, claims that CCS contacted the plaintiff directly despite knowing she was represented by an attorney, violating the Fair Debt Collection Practices Act (FDCPA).

Official Complaints:
1. Consumer Financial Protection Bureau (CFPB): There are over 8,600 complaints against CCS, including allegations that they impersonated attorneys or officials, contacted consumers after being asked to stop, and attempted to collect debts not owed.
2. Better Business Bureau (BBB): CCS has received over 1,000 complaints in the past three years, focusing on similar violations and issues with their debt collection practices.

These cases and complaints highlight CCS's challenges in adhering to debt collection regulations. If you believe your rights have been violated, it may be worthwhile to consult with a legal expert.

In closing, CCS has indeed faced multiple lawsuits and thousands of official complaints, underlining the need for you to be aware of your rights and take action if you encounter any issues.

People online have shared various opinions and experiences about the number 978-444-5800. Here's what you need to know:

Reddit users have flagged 978-444-5800 as suspicious. Rosco238 warns, 'Got a call from 978-444-5800, definitely a scam. They tried to get my personal info. Block them if you can.' MarkD1977 also mentions, 'I keep getting calls from 978-444-5800. When I picked up, it was just silence. Definitely feels like a scam number.'

Moreover, LilyBloom12 shares, '978-444-5800 called me at 7 AM! Woke me up for no reason. Just another spam call.' Over on another forum, JSmith89 commented, 'I researched 978-444-5800 and it's associated with a lot of complaints about scam and spam calls. Be wary!'

Overall, the general sentiment about 978-444-5800 online is overwhelmingly negative. Many users report it as a scam or spam number, suggesting you should be cautious and consider blocking it to avoid potential scams.

Yes, you really need to remove 9784445800 from your credit report if you confirm it is there and identify it as potentially inaccurate. Addressing this issue is key to maintaining a healthy credit score and fostering trust with lenders.

Here’s what we advise you to do:
• Confirm the collection is on your credit report and identify if it’s potentially inaccurate.
• Avoid typical credit repair companies, as many are unreliable.
• Consider reaching out to a reputable company like The Credit Pros for assistance.

As a final point, make sure you confirm the presence of 9784445800 on your credit report, avoid unreliable credit repair companies, and seek help from a trusted firm to address any inaccuracies.

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.

• 9784445700
• 7815668000
• 7817978000
• 7819891000
• 6035704474
• 7816899000
• 7813821000
• 9784445800
• 6176447300