Are you regularly getting calls from 8002858585? Perhaps you are just like me; you like to snub calls from unrecognized numbers. Let’s help you elucidate who may be buzzing your line and if you’re able to pay the debt or not.
What is the purpose of US Bank’s calls?
If that’s the number buzzing your line, then it’s definitely a call from US Bank, and quite often, it’s often because of unpaid debt, according to 800notes. If you check the official website of US Bank, you’ll clearly see the number displayed there.
This article is written with the aim to help you understand the options that are available for you to wipe off late fees and interest if you have the capacity to pay your debt. We’ll also help you understand the options available if you can afford to meet up with your debt payment schedule.
Side Note: Multiple angles to resolving a debt problem will be covered in this article, so you might want to navigate to the one that speaks directly to your situation.
Your Options If The Debt Is Affordable
So you’re constantly being harassed with calls from 8002858585, and you’re wondering about the steps you can take to repay your debt.
Obviously, you can make your payments to clear your debt, but there’s more to that.
In this type of situation, the best way to approach the issue is to call or chat with the bank’s customer support and try and cut out a deal with them. You should request that they wave either/both interest and the late fee. I tried this method with one of my banks; my bank agreed to wave both interest and fees after tendering my request on their customer care Chat support. We all make mistakes, and banks also know that everyone is susceptible to mistakes.
Your Option If The Debt is Unaffordable
Everyone wants to be in a financial situation where we can afford to meet up with debt payments, but sometimes financial hardship makes that wish impossible. So what option do you have to clear your debt?
Ask US Bank for Assistance
The raging effect of Covid-19 is felt around the world, so before making a request for debt relief, just take a peep at the financial help that US bank offers to those in financial hardship. Here’s US Bank’s website detailing the offers available for those in financial hardship.
You can make a request for them to temporarily stop all debt payments or reduce the interest they charge. Although the rules of banking have been tilted to favor banks more than the customers, you can still get assistance if you tender a reasonable case.
Call 800-285-8585 to contact US Bank and request that they stop calling you
Getting 3-4 calls daily from an unwanted source is pretty frustrating. When you’re faced with the choice of paying rent, paying for utilities, or your kid’s tuition, you will settle those bills before paying your debt. Refusal to meet those financial needs has some serious implications, but you can always get around debt.
The Fair Credit Reporting Act (FCRA) allows debtors to request that creditors cease communicating with you irrespective of your debt status.
Here’s a template that you can use to make such a request:
Thanks for your calls. In accordance with my right according to the FCRA, kindly desist from communicating with me on the number henceforth either by texting, writing, phone call, or any other means. In case you need that in writing per the guidelines, kindly let me know where I can send this communication.
Get into the Details of Your Finances
Debt can result in a great deal of stress—this is mostly caused by the need to manage numerous payment dates, different creditors, and allocating your income. You may need to breakdown your income and expenses to know the best option to consider in eliminating your debt.
To have a clear picture of your financial standing, it’s best that you use our free debt freedom portal. This portal is built for you to properly understand your options in financial hardship.
Compare Debt Relief Options
You may want to compare the debt relief options that are available for you. Here are four major options that you have:
- Debt Settlement
- Chapter 13 bankruptcy
- Chapter 7 bankruptcy
- Debt Management
Irrespective of the option you choose, it’s certain that you’ll get debt relief, and you will stop receiving calls from 8002858585. That said, before adopting any of these options, it’s best if you properly consider the pros and cons.
To help you to be more informed and compare your options, we’ve built a debt relief options comparison calculator that can help you choose the best option. Here it is below:
What would I Do If I Was Getting a Call From US Bank?
If I can afford the debt payments, I would apply to get the late fee, and interest charged canceled by explaining why I didn’t meet up with previous payments.
If I cannot afford the debt payments, I would first request that US Bank stops calling me and ask if they have a relief option that I can take advantage of. I will take a look at my expenses and income to see if I need debt relief. If it’s needed, I will find the option that’s easiest, cheapest, and fastest and key into it.
Each situation is peculiar. As such, I’d love to schedule a call with you through my personalized link or answer your questions either in the comment box below or by email (email@example.com). I check this email regularly, so I will do my best to answer as quickly as possible.