Stop Unwanted Calls From 888-899-6650: Your Rights and Options

Who Is 888-899-6650?

The phone number 888-899-6650 belongs to Transworld Systems Inc (TSI). They’re a legitimate debt collection agency that works with various creditors. TSI specializes in recovering unpaid debts for healthcare, education, and financial services companies.

TSI is a real company, but their tactics frustrate many consumers. They often make frequent robocalls that disrupt your day.

Why Is 888-899-6650 Calling Me?

TSI calls because of a missed payment or outstanding debt. Hospitals, universities, or credit card companies hire TSI to recover payments. Accounts typically go to collections after several months of non-payment.

Their records might be wrong. Collection agencies make errors all the time. The debt might not belong to you. The amount may be incorrect. You need to ask for proof before taking any action.

Is Transworld Systems Inc Legit?

Yes, Transworld Systems Inc (TSI) is legitimate. They’ve been in business for over 54 years.

They aren’t BBB-accredited, but they have a “B” rating. TSI has received 927 BBB complaints in the past three years. Several thousand more complaints were filed with the CFPB since 2022.

Here are the most frequent complaints from consumers:

• Being contacted about debts that don’t belong to them
• Incorrect information added to credit reports
• Failing to provide proper documentation or proof
• Harassment through excessive robocalls
• Garnishing wages without proper notification
• Failing to send written notices as required by law

You have rights in the debt collection process. You can file complaints if you experience similar issues.

What Are My Rights When Dealing With TSI?

If you’re feeling overwhelmed by collection calls, you have rights. The Fair Debt Collection Practices Act (FDCPA) protects you from harassment. It prevents deception and unfair treatment by debt collectors.

Under the FDCPA, debt collectors can’t:

• Call you before 8 a.m. or after 9 p.m.
• Harass you or make threats
• Tell your employer or family about your debt
• Make false claims or misrepresent who they are

They must provide proof by sending a debt validation letter.

The FDCPA is federal law. Many states have additional protections. If you believe TSI violated these rules, file complaints. Contact the Consumer Financial Protection Bureau (CFPB). Contact the Federal Trade Commission (FTC). Contact your state attorney general’s office.

What Should I Do if 888-899-6650 Calls Me?

Don’t ignore calls from TSI. Avoiding collection calls leads to bigger problems. You risk lawsuits, wage garnishment, or credit score damage. Take action by verifying the debt first.

Step 1: Verify the Debt

Make sure the debt is legitimate before agreeing to anything. Under the FDCPA, collectors must send you a debt validation letter. They have five days from their first contact.

The letter should include:

• The original creditor’s name
• The amount owed
• Proof that TSI is authorized to collect

Haven’t received this letter? Request one in writing. You can also send a debt verification letter to dispute the debt. If TSI can’t verify within 30 days, they must stop contacting you.

Step 2: Decide How To Respond

Once you’ve verified the debt, choose how to handle it.

Here are your options:

• Pay the debt
• Settle the debt
• Dispute the debt
• File bankruptcy to eliminate the debt

Pay the Debt

If you owe the debt and can afford payment, this stops the calls. Paying in full protects your credit score.

Can’t afford the full amount? Try to negotiate a payment plan. Our partner Cambridge Credit Counseling can help you set up affordable payment plans.

Settle the Debt

If you can’t pay the full amount, debt settlement might work. Debt collectors like TSI buy debts for much less than the original amount. They’re usually willing to settle for less.

People who offer a lump-sum payment succeed most often. Even half of what you owe might be acceptable.

You can negotiate on your own. You don’t need to hire a company or attorney. If you decide to get help, do your homework first. Avoid debt collection scams.

Dispute the Debt

Think the debt is incorrect? Doesn’t belong to you? Already been paid? You have the right to dispute it.

Disputing requires TSI to review the account and provide proof. Send your dispute in writing within 30 days of receiving their validation letter.

After submitting your dispute, check your credit report for mistakes. Get a free copy at AnnualCreditReport.com, the official government website.

Under the Fair Credit Reporting Act (FCRA), collectors can only report accurate information. Found errors? You can dispute them and have them removed. Correcting inaccuracies improves your credit score.

Consider Filing Bankruptcy

Are you getting calls from multiple debt collectors? Feel overwhelmed by debt you can’t repay? It might be time to consider Chapter 7 bankruptcy.

Chapter 7 gives you a fresh financial start. It eliminates credit card debt, medical bills, and payday loans. In some cases, it even cancels federal student loans.

You can speak with a bankruptcy attorney for free to see if you qualify.

What Happens if I Ignore the Calls?

Ignoring calls from 888-899-6650 might seem easy. But it leads to serious consequences:

• Your credit score may drop. Collection accounts significantly harm your credit.
• You could be sued. Debt collectors can take legal action to recover unpaid debts.
• You may face wage garnishment. Courts can allow TSI to garnish wages or freeze your accounts.

Address the situation as soon as possible. You have options available to you.

How To Stop Calls From 888-899-6650 for Good

Tired of constant calls? You can tell TSI to stop calling you. You can also block their phone number.

Tell Them To Stop Calling

The FDCPA gives you the right to tell TSI to stop contacting you. You can do this over the phone. But it’s best to make this request in writing. Send a cease and desist letter.

Once they receive your letter, they can only contact you twice. Once to confirm they won’t call again. Once to notify you of legal action.

⚠️ Important: Sending a cease and desist letter won’t eliminate the debt. TSI could still take legal action. Be prepared to handle the debt if that happens.

Block the Number or Join the National Do Not Call Registry

Use your phone’s call-blocking feature to block 888-899-6650. TSI might try other methods of communication. But blocking gives you some temporary relief.

You can also register your number at DoNotCall.gov. The National Do Not Call Registry doesn’t prevent legitimate debt collection calls. But adding your number reduces other robocalls and spam calls. It’s a free service.