Summary: Repeated calls from unknown numbers like 877-591-0747 are annoying and can be a major source of frustration. SoloSuit explains what to do if you receive a call from 877-591-0747.
Does this situation sound familiar? You’re sitting down to enjoy a family dinner, and suddenly your cell phone starts ringing. You look at your phone, and it’s a number you don’t recognize. You ignore the call, but ten minutes later, your phone starts ringing again from the same number.
Debt collectors are famous for using toll-free numbers like 877-591-0747 to harass consumers. The most nefarious collection agencies will call you from a slew of different phone numbers to collect on a debt.
Pay attention to calls from numbers you don’t recognize
If you start receiving calls from numbers you don’t recognize, it’s best to register your number on the federal government’s Do Not Call Registry. Telemarketers cannot call people on the Do Not Call list. If they contact you after 31 days of your number being on the registry, you can submit a complaint to the FTC and they will investigate it.
However, registering on the Do Not Call Registry will not stop calls from debt collection agencies, creditors, charities, or political groups. Once your number gets out to one of those companies, you’ll need to specifically ask the caller to stop calling you. In some cases, the only way to stop the calls is via a written notice.
It’s rarely a good idea to answer a call from a number you don’t recognize. There are too many cases of robocalls and scammers who purchase toll-free numbers and pose as people they aren’t.
Scammers are getting better at their line of work, and some can be so convincing that you’ll be tricked into thinking you’re talking to someone from your bank or another familiar organization.
You probably know if you have a debt collector after you
Debt collectors typically use a variety of ways to communicate with you, including the phone, email, and letters. If you start receiving phone calls from a toll-free number and later receive a debt collection notice in the mail, the calls are likely from the debt collector. You can do a reverse number search to see if that’s the case.
Under the Fair Debt Collection Practices Act (FDCPA), collection agencies and debt collectors can’t contact you with the intent of harassing or abusing you. All of the following actions are considered harassment or abuse:
Repeatedly calling you throughout the day.
Contacting you at irregular hours, such as before 8 a.m. or after 9 p.m.
Using obscene language when talking to you about a debt.
Threatening to physically or emotionally harm you if you don’t take a particular action.
Telling you they’ll seize your house, car, horses, pigs, kitchen blender, American flag, or other items if they don’t have the legal right to do so.
Calling your 92-year-old Great Aunt Linda to tell her you owe money you need to repay.
There are dozens of restrictions that the FDCPA places on debt collectors, all to protect you from insistent collection agencies that hound you for money.
Let’s consider an example.
Example: Julio is surprised when someone from 877-591-0747 starts calling him daily. He doesn’t recognize the number and can’t find any information on the caller online. He decides to block the caller. Two days later, a new toll-free number begins calling Julio every hour. He finally answers the call to find out why they’re bothering him. The caller says they are a debt collector trying to collect an old $500 credit card balance Julio forgot about. The debt collector tells Julio they’ll seize his car if he doesn’t repay the debt in three days. According to the FDCPA, the debt collector’s threats violate Julio’s rights, and Julio can file a complaint with the FTC.
If 877-591-0747 won’t stop calling you, block the calls
The easiest way to stop phone calls from a number you don’t recognize is to block it. You’ll also want to register for the national Do Not Call Registry, which will stop most unwanted sales calls — but not debt collectors. If you later find out a debt collector is calling you, make the agency validate the debt before taking any further action.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
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