877-854-3538 Called You?

Who Is 877-854-3538 ?

877-854-3538 belongs to Afni. They’re a debt collector reporting a collection account on your credit report.

This can mean 2 things:

 
1. They’ve purchased your debt from the original creditor (such as a credit card company), and they’re now calling you to collect that debt.
 
2. They don’t own the debt themselves, but are being paid to collect on behalf of another company.

The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).

How Can I Get 877-854-3538 to Stop Calling Me?

There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.

Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.

The best news? We’ve helped thousands of customers remove Afni from their credit reports (without having to pay their debt). When Afni is removed from your report:

 
• They will stop calling you
 
• Your credit score will increase

Understanding Your Rights When Dealing with Debt Collectors

Dealing with debt collectors can be intimidating and overwhelming, but the Fair Debt Collection Practices Act (FDCPA) has got you covered. This federal law helps protect consumers from abusive actions by prohibiting creditors from using profane language, harassment or threats when trying to collect a debt. Additionally, they are forbidden to contact individuals at work if it is known that your workplace does not allow such interaction during regular business hours - namely before 8am, after 9pm. Understanding this act gives consumers more confidence in handling interactions with collections agencies like Afni while also shielding them from unpleasant practices used for repayment collection processes.

Steps to Take If You Owe a Debt to Afni

It's essential to tackle a debt owed to Afni. Ignoring them or running away will only make the problem bigger. So here are some actions you can take:

• Ensure that the debt is accurate by requesting a written statement from Afni detailing who it was originally owed to and how much.
• If you are having trouble paying what you owe, you may be able to successfully negotiate a payment plan with Afni. Reach out and work together on an agreement that fits your financial situation!
• Stay informed about your rights when managing debt collection. If you feel the need, ask collectors to stop calling and request all communication be in writing--or raise a dispute if the debt isn't valid.

Still struggling with Afni? Professional assistance may be the answer. Credit Sage can provide guidance and negotiate a plan to pay off your obligations.

‍