Constant calls from 877-201-1333?
Sue the Caller!

Who Is Calling 877-201-1333?

Calls from 877-201-1333 often come from Flagship Credit Acceptance, a company that finances and services auto loans. Federal law allows collection-related contact, but the Fair Debt Collection Practices Act (FDCPA)—and other consumer protection laws in certain situations—limit how those communications can occur. When those limits get violated, you can take action.

Your Rights Under the FDCPA

The law imposes clear restrictions on collection conduct. Watch for these violations:

• Calling at improper times or too frequently
• Calls must occur only between 8 a.m. and 9 p.m., and repeated calls meant to pressure or annoy you are not allowed.
• Using harassment or intimidation
• Threats, abusive language, or aggressive tactics violate federal law.
• Failing to provide written validation (when applicable)
• A collector must send written details of the debt within five days of first contact when the FDCPA applies.
• Contacting third parties about your debt
• Disclosure of your debt to others—outside narrow exceptions—is prohibited.
• Making false or misleading statements
• Misrepresenting the amount owed or threatening legal action without intent to follow through breaks the law.
• Take Control of the Calls

Ways to Protect Yourself Starting Now

• Request written proof
• Demand validation to confirm the debt is accurate and enforceable.
• Document every interaction
• Record dates, times, frequency, and statements to create a strong record.
• Dispute or resolve the account
• Send a written dispute if the debt is incorrect, or negotiate payment if it is valid.
• Stop unwanted contact
• Send a cease-and-desist letter and require Flagship Credit Acceptance to stop calling when applicable.

How to Take Action and Enforce Your Rights

FDCPA violations can entitle you to compensation, including statutory damages and attorney’s fees.

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