Many people hesitate to answer calls from numbers they don’t recognize. If you’re receiving phone calls from 800-289-8004, then Wells Fargo Dealer Services is probably trying to contact you about a debt. If you want Wells Fargo Dealer Services to stop calling you, you must communicate with the company. Otherwise, the calls will likely continue. Debt settlement is a good way to stops the calls.
Is a caller from 800-289-8004 constantly ringing you on your cell phone or bothering you on your home line? If so, you’re probably tired of seeing the same number on your caller ID. You might wonder if you’re a spam target or if the calls are legitimate.
The good news is that 800-289-8004 belongs to Wells Fargo Dealer Services, so you’re not the victim of a phone scam trying to extort money from you. The bad news is that calls from 800-289-8004 will probably continue until you communicate with Wells Fargo.
What to know about Wells Fargo Dealer Services
Wells Fargo Dealer Services provides auto loans to customers who are buying new or used cars. If you’ve recently acquired a vehicle with the help of a Wells Fargo Dealer Services loan, the company may call you to verify your application or obtain additional information.
The lender might also contact you if someone you know listed you as a reference on their loan application.
In addition, Wells Fargo Dealer Services uses its 800-289-8004 number to contact customers who are behind on their payments. If you recently missed a loan payment, you may receive calls until you get caught up on your account.
You can stop calls from Wells Fargo Dealer Services if you communicate
If you want Wells Fargo Dealer Services to stop calling you, you must communicate with the company. Otherwise, the calls will likely continue.
People who recently applied for a loan with the company simply need to answer any questions Wells Fargo has about their application. For instance, the lender might ask for more details about your current employment or living situation.
If you’re behind on your car payments, you’ll need to either pay your bill or set up a payment arrangement to stop the calls. Wells Fargo Dealer Services has no reason to call you if you’re up to date on your payments or set up a special repayment plan.
If you can’t stay on top of your payments with Wells Fargo Dealer Services, it may repossess your car
An automobile loan is a type of secured credit: There is an asset that underlies the loan’s value. In contrast to unsecured debt like credit cards, lenders can seize the asset in a secured loan and sell it to recoup its money.
In most cases, lenders can seize your car anytime you don’t abide by the terms of your loan. Your loan agreement should spell out the conditions for repossessing your vehicle.
For instance, if you miss three payments in a row, a tow truck may appear in your driveway or in front of your office building. Similarly, if you don’t keep insurance on the vehicle, the lender may decide to repossess it.
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You don’t want Wells Fargo Dealer Services to repossess your vehicle. You’ll lose your mode of transportation and end up with a negative mark on your credit report.
In some states, reclaiming a vehicle after repossession is possible, but you’ll need to get up to date on your payments and compensate the lender for the fees it incurred during the repossession.
Wells Fargo Dealer Services may sue you for any remaining debt on your vehicle
Your obligation to Wells Fargo doesn’t end when it repossesses your vehicle. Unless it can sell the car for the entire value of the loan, you’ll likely owe a remaining balance that will be immediately due.
Following the repossession and sale of your vehicle, Wells Fargo may sue you for any amount you still owe.
Let’s consider an example.
Example: Suze has a Ford Explorer financed by Wells Fargo Dealer Services. She fails to make payments for three months, and Wells Fargo repossesses the car. Suze doesn’t have the money to buy back the vehicle, and Wells Fargo sells it. After applying the proceeds to Suze’s loan, she still has a $4,000 outstanding balance. Wells Fargo decides to sue her for the amount she owes.
Is Wells Fargo suing you for unpaid auto debt? You can settle your debt with help from ZumaZip Settle.
Don’t ignore phone calls from 800-289-8004
If you’re receiving phone calls from 800-289-8004, they probably relate to an auto loan application or outstanding car debt with Wells Fargo Dealer Services. Contact the company to find out what it needs. If you’re behind on your loan payments, you’ll want to get back on track to avoid repossession.
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:
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont; Vermont (Small Claims court)
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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!
- Absolute Resolutions Investments LLC
- Accredited Collection Services
- Alliance One
- Amcol Clmbia
- American Recovery Service
- Asset Acceptance LLC
- Asset Recovery Solutions
- Associated Credit Services
- Autovest LLC
- Cach LLC
- Cavalry SPV I LLC
- Cerastes LLC
- Colinfobur
- Covington Credit
- Crown Asset Management
- CTC Debt Collector
- Cypress Financial Recoveries
- Delanor Kemper & Associates
- Eagle Loan of Ohio
- Educap
- Estate Information Services
- FIA Card Services
- Forster & Garbus
- Freshview Solutions
- Fulton Friedman & Gullace LLP
- Harvest Credit Management
- Howard Lee Schiff
- Hudson & Keyse LLC
- Integras Capital Recovery LLC
- Javitch Block
- Jefferson Capital Systems LLC
- LVNV Funding
- Mannbracken
- Mariner Finance
- Medicredit
- Michael J Adams PC
- Michael J Scott
- Midland Funding LLC
- Mullooly, Jeffrey, Rooney & Flynn
- Mountain Land Collections
- MRS Associates
- National Collegiate Trust
- Nationstar Foreclosure
- Northstar Capital Acquisition
- NCEP LLC
- NRC Collection Agency
- OneMain Financial
- Palisades Collection LLC
- Pallida LLC
- Paragon Revenue Group
- Pinnacle Collections Agency
- PMAB LLC
- Portfolio Recovery Associates
- Provest Law
- PYOD LLC
- Reunion Student Loan Finance Corporation
- Revenue Group
- Regents and Associates
- RSIEH
- Salander Enterprises LLC
- Second Round Sub LLC
- Security Credit Services
- Sherman Financial Group
- Suttell and Hammer
- T-Mobile
- Transworld Systems
- Tulsa Teachers Credit Union
- UCB Collection
- Velo Law Office
- Velocity Investments
- Waypoint Resource Group
- Weinberg and Associates
- Wolpoff & Abramson
Settle your medical debt
Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.
- Am I Responsible for My Spouse’s Medical Debt?
- Do I Need a Lawyer for Medical Bills?
- Do I Need a Lawyer to Fight Medical Bill Debt?
- Does Bankruptcy Clear Medical Debt?
- How Much Do Collection Agencies Pay for Medical Debt?
- How to Find Medical Debt Forgiveness Programs
- Is There a Statute of Limitations on Medical Bills?
- Medical Debt Statute of Limitations by State
- Summoned to Court for Medical Bills — What Do I Do?
- Summoned to Court for Medical Bills? What to Do Next
Stop calls from Debt Collectors
Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.