To stop calls from 800955600/+1 8009556600, you should either settle the debt by requesting them to stop calling or reach out to a company that deals with debt collectors.
The number 800-955-6600 is associated with Northland Group, a debt collection agency that may be listed on your credit report.
If you are getting calls from the number +1 800955600, they have either bought your debt from the original creditor, such as a credit card company and are now reaching out to you to collect that debt. Or, they do not own the debt themselves but are working on behalf of another company to collect the debt.
Debt collection is a daunting experience, but with the right knowledge and tools, you can manage it effectively without receiving continuous calls from 8009556600.
Whether you’re dealing with debt collectors from Capital One or any other agency, this comprehensive guide will help you understand your rights, navigate the legal processes, and even provide solutions to reduce your debt burden.
Let’s dive into the details and empower yourself to take control of your financial future.
Who and Why is Someone Calling Me From 800955660?
If you are getting calls from 800955660, it means that Capital One is calling you for an unsettled debt.
Interestingly, while researching, we didn’t find the number 800-955-6600 directly listed on Capital One’s official website, but this number is displayed under the “Read More Business Details” section of Capital One Financial’s Better Business Bureau (BBB) profile (see the below screenshot from their website.)
This article will guide you through several strategies you can use to get rid of the late fees and interest if you have the means to settle your debt. We will also provide you with steps you can take if you cannot pay their debt.
What should I do If Capital One is Calling me?
If you are in a position to settle the debt, you should communicate with them, explain your situation, and request them to waive off the late fees and interest charges.
On the other hand, if you are unable to pay the debt, you should inquire whether Capital One could offer any form of relief assistance and request that they stop their calls to me.
You should also examine your financial situation and determine if you require debt relief. If it turns out that you do need debt relief, you should carefully evaluate your options and choose the best route.
The solution should not only be affordable but also straightforward and quick and manage your credit score as much as possible.
What Options Do You Get with Capital One if You Can Pay The Debt?
If you can pay the debt, make the payment online, reach out to customer support, and request them to waive the late fees and interest.
Last month, I used this approach with one of my banks, and I requested it through chat support, and my fees and interest were both waived.
What Options You Have with Capital One if You Can’t Pay The Debt
We all have the intention to clear our debts, but sometimes, financial difficulties make it challenging. So, what can you do if you’re currently unable to settle your debt?
Seek Financial Hardship Assistance from Capital One
You can seek financial hardship assistance from Capital One before you consider going for debt relief. You can explore other options that Capital One provides for those facing financial hardships on their website.
You can ask for a temporary halt on payments, a reduction in interest, or other means to meet your obligations.
While banks are becoming more profit-oriented and less customer-focused, there are still ways to receive help in certain circumstances.
Request Them To Stop Calls from 800-955-6600
You have the legal right to request them to stop calling from +1 8009556600, irrespective of whether you owe the debt or not under the Fair Credit Reporting Act (FCRA),
If you are receiving multiple calls daily, which could be frustrating, especially when you feel helpless, you can reply to them and ask them to stop calling.
Here’s a template you can use:
Thank you for calling. As per my rights under FCRA § 805, please refrain from contacting me on this number again, whether by phone, letter, text, or any other method. If you require this request in writing as per your guidelines, kindly inform me where I should send this communication.
Examine Your Financial Situation Closely
You can examine your financial situation closely using a free debt freedom portal that has been designed to assist you in understanding your options during times of financial hardship.
Managing multiple creditors, payment dates, and income can create a significant amount of stress. It could be beneficial to scrutinize your financial situation to determine the best strategies for eliminating debt.
Explore Debt Relief Options
You can compare debt relief options if you realize that your current financial situation is not going to improve for a long time. You can use a debt calculator like this and compare the primary options: 1) Debt Settlement, 2) Chapter 7, 3) Chapter 13, and 4) Debt Management.
Each of these options has its own cost, benefits, and drawbacks, but any of these will stop the calls from Capital One at 8009556600 (or 8009033637).
Other Steps You Can Take To Stop Calls From 8009556600
Here are the other steps you can take to stop endless calls from 800-955-6600 (Capital One):
Request Them To Stop Calling
The Fair Debt Collection Practices Act (FDCPA) gives you the right to ask debt collectors to stop their calls. Upon receiving a call, answer it and request the caller to stop contacting you. Make it clear that you do not approve of automated calls and as them to put your number to no-call list.
Draft a Cease-and-Desist Letter
Write a letter to Capital One requesting them to stop calling you and keep a copy of the letter for your files and send the original via certified mail.
Register on the National Do Not Call Registry
Register for Do Not Call If they breach the Telephone Consumer Protection Act (TCPA). For this, you have to visit Do Not Call govt, portal or dial 1-888-382-1222. If they found guilty under the breach the Telephone Consumer Protection Act (TCPA), you will get compensation for each call.
Report The Violation
You can also also report the calls to the Federal Trade Commission (FTC) and the Federal Communications Commission (FCC).
To file a complaint, visit FTC official website or call 1-877-382-4357. You can also register a complaint at FCC here or call at 1-888-225-5322.
Keep a call log
Maintain a record of all the calls made by Capital One after they receive your written request. Document the time and date of each call along with any other details you can gather during the conversation, such as the names of debt collectors and creditors.
Am I Having Debt Harassment? How To Find Out?
If you are facing any of the below situations, you are having a debt harassment:
- Calls before 8:00 am or after 9:00 pm.
- Unidentified calls or calls without a clear purpose.
- Misleading or fraudulent communication tactics.
- Calling your workplace.
- Contacting your friends, neighbors, or coworkers.
- Disclosing your personal information to others without your permission.
- Not respecting your requests to stop calling; not adhering to the Do-Not-Call-Registry.
- Intimidating you with threats of violence, legal action, or arrest.
- Using offensive language, aggressive behavior, or threats.
- Accusing you of criminal activities.
- Using automated robocalls to attempt debt collection.
- Constant or unwanted calls that constitute harassment.
Other Capital One Number You Can Get Calls From
Here are the other Capital One numbers they can call from:
- 1-800-725-8715
- 1-800-955-6600
- 1-866-540-6532
- 1-800-425-8096
- 1-800-903-3637
- 1-800-946-0332
Conclusion
To stop calls from 800-955-6600, you need a strategic approach to either settle debt or seek relief. You also have the legal right to ask for calls to be stopped under the Fair Credit Reporting Act. By following the solutions provided in this guide, you can assert control over your financial well-being, address debt collection calls with confidence, and explore solutions that align with your circumstances.
