Understanding the 877-238-0807 Number: Debt Collection or Scam?

If you’ve received a call or voicemail from the number 877-238-0807, you’re not alone. This toll-free number is associated with CBC, LLC, a debt collection agency based in Blountville, Tennessee. CBC specializes in collecting debts for healthcare providers, including hospitals and medical clinics. CBC

However, the presence of this number in your caller ID doesn’t necessarily mean you owe money. Many individuals have reported receiving calls from this number without any prior knowledge of the debt in question. Some have even reported that the number leads to a payment portal that doesn’t function properly. bbb.org

What to Do If You Receive a Call from 877-238-0807

Receiving a call from a debt collector can be unsettling, especially if you’re unsure about the legitimacy of the debt. Here’s a step-by-step guide on how to handle such situations:

1. Don’t Panic

It’s important to stay calm and not make any hasty decisions. Debt collectors are required by law to provide certain information, and you have the right to request verification of the debt.

2. Don’t Provide Personal Information Immediately

Avoid sharing personal details such as your Social Security number, bank account information, or credit card details over the phone. Legitimate debt collectors will not ask for sensitive information in an unsolicited call.

3. Request Written Verification

Ask the caller to send you a written notice detailing the debt, including the amount owed, the creditor’s name, and your rights. Under the Fair Debt Collection Practices Act (FDCPA), they are obligated to provide this information within five days of initial contact.

4. Contact the Creditor Directly

If the debt pertains to a medical bill or another service, contact the provider directly using a verified phone number or email. This can help you determine whether the debt is legitimate and whether it’s been sent to collections in error.

5. Monitor Your Credit Report

Regularly check your credit report for any unfamiliar accounts or inquiries. You can obtain a free report annually from each of the three major credit bureaus at AnnualCreditReport.com.

6. Report Suspicious Activity

If you suspect the call is a scam, report it to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or your local consumer protection agency.

Common Complaints Associated with 877-238-0807

Many individuals have shared their experiences with this number, and several common themes have emerged:

• Unsolicited Calls: Some recipients have reported receiving calls without any prior notice or knowledge of the debt.
• Non-Functional Payment Portal: Attempts to access the provided payment portal have led to error messages or non-responsive pages.
• Lack of Itemized Billing: Requests for detailed billing statements have often gone unanswered, leaving individuals uncertain about the charges.
• Repeated Contact: Even after disputing the debt or requesting no further contact, some individuals have continued to receive calls.

Understanding CBC, LLC

CBC, LLC is a debt collection agency that partners with healthcare providers to recover outstanding debts. They offer services such as personalized collection strategies, advanced technology solutions, and a unified communications approach. CBC

While CBC asserts that they are committed to compliance and customer satisfaction, it’s essential to be aware of your rights and ensure that any debt collection efforts are legitimate.

Protecting Yourself from Debt Collection Scams

To safeguard yourself from potential scams:

• Be Skeptical of Unsolicited Calls: If you weren’t expecting a call from a debt collector, approach the situation with caution.
• Verify the Caller: Ask for the caller’s name, company, and contact information. Research the company independently to confirm their legitimacy.
• Know Your Rights: Familiarize yourself with the FDCPA, which outlines the practices debt collectors are legally allowed to use.
• Consult a Professional: If you’re unsure about the legitimacy of a debt, consider seeking advice from a financial advisor or attorney.

Conclusion

Receiving a call from 877-238-0807 doesn’t automatically mean you owe money. While it is associated with CBC, LLC, a legitimate debt collection agency, there have been numerous reports of issues related to this number. It’s crucial to approach such situations with caution, verify the legitimacy of the debt, and protect your personal information. If in doubt, seek professional advice to navigate the complexities of debt collection.