January 14, 2024

How to Stop Calls from 877-591-0747


Repeated calls from unknown numbers like 877-591-0747 are annoying and can be a major source of frustration. ZumaZip.com 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.

Is a collection agency pursuing you for debt? Make collectors prove you owe with ZumaZip’s Debt Validation Letter.

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.

Is a debt collector threatening to sue you for a debt you owe? Settle it quickly with help from ZumaZip Settle.

Powered by ZumaZip, ZumaZip Settle is a tech-based approach to debt settlement that helps you send and receive settlement offers until you reach an agreement. 

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

Guides on how to beat every debt collector

Hey there! Facing off against a debt collector can feel like a daunting challenge, but fear not! We’re here to help you navigate through it all with our handy guides designed to assist you in beating every debt collector you encounter. Whether you’re facing a new lawsuit or dealing with a persistent collector, we’ve got your back. Stay positive, stay informed, and let’s tackle this together!

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