Optimum Outcomes Phone Harassment?
Is Optimum Outcomes (OO) calling you? Stop Optimum Outcomes phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. Debt harassment, including repeated unwanted calls and threats, is prohibited under federal law, and the FDCPA outlines specific rules and restrictions that debt collectors must follow to protect consumers from unfair practices.
You have the legal right to stop OO phone harassment. Harassment by debt collectors can negatively affect your financial health, credit score, and overall well-being. These laws are specifically designed to protect consumers from unfair debt collection practices. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Optimum Outcomes a Scam?
According to the Better Business Bureau website, Optimum Outcomes has been in business for 32 years. Optimum Outcomes is a legitimate debt collection agency and not a scam, so if you are wondering “optimum outcomes legit,” the answer is yes. There have been 109 complaints filed against OO with the BBB. Read more here: Optimum Outcomes Better Business Bureau.
Who is Optimum Outcomes?
Optimum Outcomes, Inc is a third party debt collector located in Raleigh, North Carolina. They collect debts on behalf of original creditors, such as healthcare providers, utility companies, and telecommunication firms. In this process, the debtor is the individual who owes the outstanding amount to the creditor, and Optimum Outcomes seeks to recover these funds for the creditors. The money collected is remitted back to the original creditor after successful collection efforts. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Optimum Outcomes, Inc used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
🏛️ Optimum Outcomes Address: PO Box 58015 Raleigh, NC 27658-8015
📞 Phone: (877) 795-9819
Optimum Outcomes Collection Tactics
If Optimum Outcomes engages in any of the following tactics, you may have a case:
- ➡️ Using profanity or abusive language
- ➡️ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➡️ Calling you multiple times per week
- ➡️ Talking to others about your debt
- ➡️ Calling your workplace
- ➡️ Threatening to sue you, threatening legal action, harm you, or destroy your credit
- ➡️ Telling you or anyone else that you’ve committed a crime
- ➡️ Calling repeatedly for the wrong person
- ➡️ Failing to notify you of your right to dispute the debt
- ➡️ Trying to collect more than legally allowed
Optimum Outcomes Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 877-795-9819
- 📲 719-755-3900
- 📲 877-409-6060
- 📲 877-409-6061
- 📲 877-409-6063
- 📲 855-470-6681
- 📲 866-644-0147
- 📲 203-870-2592
- 📲 877-575-8173
- 📲 (877) 795-9819
- 📲 (719) 755-3900
- 📲 (877) 409-6060
- 📲 (877) 409-6061
- 📲 (877) 409-6063
- 📲 (855) 470-6681
- 📲 (866) 644-0147
- 📲 (203) 870-2592
- 📲 (877) 575-8173
- 📲 8777959819
- 📲 7197553900
- 📲 8774096060
- 📲 8774096061
- 📲 8774096063
- 📲 8554706681
- 📲 8666440147
- 📲 2038702592
- 📲 8775758173
If the answer is yes, then you are receiving calls from a known OO number. If you have been contacted by Optimum Outcomes through any of these numbers, you should be aware of your rights regarding debt collection communications. You may be a victim of OO phone harassment. The list above is not all the numbers that OO uses. The calls can be from different numbers and it still be Optimum Outcomes calling you. Contact our office right away so we can start the process to stop OO from calling you illegally. Above all, no one should live with harassment!
Credit Report Concerns
Dealing with debt collectors like Optimum Outcomes can have a significant impact on your credit report and overall financial health. When a debt collection agency reports an outstanding debt to the credit bureaus, it can lower your credit score and make it more difficult to qualify for loans, credit cards, or even housing. This negative mark can remain on your credit file for years, affecting your financial opportunities long after the original debt has been resolved.
If you notice Optimum Outcomes listed on your credit report, it’s essential to verify that the debt is accurate and truly belongs to you. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt and to dispute any information you believe is incorrect. Debt collectors are required to follow fair debt collection practices and cannot use abusive language, make threats of legal action, or engage in any form of debt collection harassment.
To protect yourself, start by obtaining your credit report from all three major credit bureaus—Equifax, Experian, and TransUnion. Review each report carefully for any errors or collection accounts that may have been reported by Optimum Outcomes. If you find inaccuracies, you can dispute them directly with the credit bureaus to have them investigated and potentially removed.
It’s also a good idea to check the Better Business Bureau for any complaints filed against Optimum Outcomes. This can help you determine if the company has a history of questionable debt collection practices or if other consumers have experienced similar issues.
If you’re struggling to remove Optimum Outcomes from your credit report or feel overwhelmed by their collection efforts, consider seeking professional assistance. A reputable credit repair company or a consumer law attorney can help you navigate the process, communicate with the collection agency on your behalf, and ensure your rights are protected under state and federal laws.
Remember, you have the right to request that debt collectors stop contacting you by sending a written cease and desist letter. While this may not end all collection efforts, it can reduce unwanted calls and give you space to address your financial situation. Taking these steps can help you regain control, protect your credit health, and work toward a stronger financial future. Don’t let debt collection harassment from Optimum Outcomes hurt your credit—take action today to remove negative marks and restore your peace of mind.
The following is a sample list of complaints filed against Optimum Outcomes in the past year and can be found on Pacer.gov.
- 🔗 1:13-cv-03259 Allen v.
- 🔗 1:18-cv-04629 Lombardo v.
- 🔗 1:13-cv-00026-PMW Wills et al v.
- 🔗 2:12-cv-02941-KOB Beaver v.
- 🔗 2:13-cv-02192-RDP Anderson v.
How do I dispute inaccurate debts from Optimum Outcomes on my credit report?
Disputing inaccurate debts involves first identifying any errors or discrepancies on your credit report related to Optimum Outcomes. Carefully review your report and verify the legitimacy of each debt. If you find incorrect or misleading information, you can begin the process of disputing by sending a formal dispute letter to the credit bureaus and requesting verification of the debt. Identifying violations or inaccuracies early is important for protecting your credit health. A credit repair company or attorney can lead you through the process of disputing and removing negative entries.
How can I remove Optimum Outcomes from my credit report?
Removing Optimum Outcomes from your credit report typically involves disputing any inaccurate or unverifiable information. After identifying the account, you can submit a dispute to the credit bureaus. In some cases, you may try sending a goodwill letter to Optimum Outcomes, requesting removal of the negative entry; however, goodwill letters are not always effective. Identifying and removing Optimum Outcomes from your report can help improve your credit standing.
What is the difference between paying a debt and having it marked as paid?
Paying a debt to Optimum Outcomes will change its status on your credit report from unpaid to paid, but the negative mark may still remain. Having a debt marked as paid does not automatically remove it from your credit report. For removal, you may need to negotiate a pay-for-delete agreement or pursue the dispute process if the debt is inaccurate. Resolving outstanding debts is important for improving your credit health, but always verify the debt before paying.
How can I protect my credit and financial information during these processes?
Protecting your credit and financial information is crucial. Always verify the legitimacy of any debt before paying or providing personal information. Be aware of your rights under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) to ensure your information is handled properly and to guard against unfair practices.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Optimum Outcomes harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Transworld, Inc. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was being harassed daily by a debt collector, and I didn’t know what to do. Consumer Rights Law Firm PLLC explained my rights clearly and helped me stop the calls for good. Their team was professional, compassionate, and always quick to respond. Highly recommended!
- 🏆 I had no idea I could fight back against a collector who kept calling me at work. Consumer Rights Law Firm PLLC not only stopped the harassment but also helped me get a cash settlement. I’m so grateful for their help and guidance!
- 🏆 From my first phone call, they took my case seriously. The harassing calls stopped within days of them getting involved. Consumer Rights Law Firm PLLC made me feel empowered and informed throughout the whole process.
- 🏆 I was skeptical at first, but working with Consumer Rights Law Firm PLLC was the best decision I made. The debt collectors backed off immediately after the law firm contacted them. I finally have peace of mind!
FAQs
Who is Optimum Outcomes and why are they calling me?
Optimum Outcomes, Inc. is a legitimate debt collection agency that typically collects unpaid medical bills or service-related debts. If they are contacting you, they believe you owe a past-due balance and are attempting to recover it on behalf of a creditor.
Is Optimum Outcomes a scam or a legitimate debt collector?
Optimum Outcomes is a legally operating debt collection agency that has been active since around 2002. While it is not a scam, many consumers report aggressive collection practices and communication issues.
Can Optimum Outcomes legally harass me with repeated phone calls?
No. Federal law prohibits debt collectors from engaging in harassment, including excessive phone calls, abusive language, or threats. Violations may give you legal grounds for action.
What should I do if Optimum Outcomes keeps calling me?
You should keep detailed records of each call, request written debt validation, and send a cease-and-desist letter if needed. Continued calls after written notice may justify filing complaints or seeking legal advice.
Can I dispute the debt that Optimum Outcomes says I owe?
Yes. You have the right to dispute the debt and request proof that you owe the amount. The agency must provide proper documentation before continuing collection efforts.
Can Optimum Outcomes affect my credit score?
Yes. If the account is reported to credit bureaus, it may negatively impact your credit score and remain on your credit report for up to seven years unless corrected or removed.
Will paying Optimum Outcomes remove the account from my credit report?
Paying the debt usually updates the account status to “paid,” but it does not automatically remove it from your credit report. Removal typically requires a written pay-for-delete agreement.
What are my rights if Optimum Outcomes threatens legal action?
They may only threaten legal action if it is legitimate, lawful, and within the statute of limitations. False or misleading threats are prohibited under consumer protection laws.
Can I sue Optimum Outcomes for harassment?
Yes. If they violate consumer protection laws or engage in unlawful collection practices, you may be eligible to sue and recover statutory damages.
How can I stop Optimum Outcomes from reporting inaccurate debt to credit bureaus?
You can dispute inaccurate information directly with the credit bureaus and request correction or removal under federal credit reporting laws.
