Who Called From 315-454-8700?
Short answer: 315-454-8700 is a number used by Simon's Agency, Inc. (Simons Agency), a third-party collection agency based in Liverpool, NY — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2096365-dca on file, address of record in liverpool, ny. They are almost certainly trying to collect a debt, most often medical debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 315-454-8700?
The number 315-454-8700 is used by Simon's Agency, Inc. (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2096365-dca on file, address of record in liverpool, ny), a third-party collection agency in Liverpool, NY. For the full company profile — ownership, history, and known aliases — see our complete Simon's Agency, Inc. guide. This page focuses on the calls coming from 315-454-8700 specifically.
About this specific number
- 📞 Number: 315-454-8700 (area code 315, ending in 8700)
- 📍 Line type: Direct-dial — resolves to the 315 area code.
- 🏢 Operator: Simon's Agency, Inc., a third-party collection agency in Liverpool, NY.
- 🔢 Related lines: Simon's Agency, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
315-454-8700 is a direct-dial number tied to the 315 area code, which is why the call may have appeared "local" on your caller ID even though Simon's Agency, Inc. operates out of Liverpool, NY.
Some carriers display 315-454-8700 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Simon's Agency, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: Simons Agency, PaySimons.
Why Is Simons Agency Calling Me From 315-454-8700?
In our directory, 315-454-8700 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2096365-dca on file, address of record in liverpool, ny for Simon's Agency, Inc., which typically collects medical debt, commercial debt, consumer accounts. A call from 315-454-8700 usually happens because:
- ✅ An original account (a medical debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Simon's Agency, Inc. to collect on behalf of the original creditor.
- ✅ Simon's Agency, Inc. is now dialing you from 315-454-8700 and possibly other lines to reach a resolution.
Calls from 315-454-8700 often come right after a billing cycle closes. Some people report that 315-454-8700 calls once and hangs up, then tries again from a different Simon's Agency, Inc. line hours later. A single missed call is not proof of a valid debt. When 315-454-8700 shows up on your caller ID, it is worth checking whether the Simon's Agency, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Simon's Agency, Inc. prove the medical debt in writing first.
Important: a phone call — even from a real number like 315-454-8700 — does not prove you owe the debt, that the amount is correct, or that Simon's Agency, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 315-454-8700
Anything you say to Simons Agency can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 315-454-8700 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Simon's Agency, Inc..
Don't agree to a payment on the spot
A single payment to Simon's Agency, Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 315-454-8700.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 315-454-8700. Any legitimate Simon's Agency, Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 315-454-8700 caller. If it truly is your Simon's Agency, Inc. account, they should already have what they need and must prove it.
What To Do If 315-454-8700 Keeps Calling
Here are concrete next steps for this specific Simon's Agency, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 315-454-8700 as a contact labeled "Simon's Agency, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 315-454-8700 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Simon's Agency, Inc. identify the original creditor behind the 315-454-8700 calls and the date the debt was opened.
Your Rights When Simons Agency Calls From 315-454-8700
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Simons Agency a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Simon's Agency, Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 315-454-8700: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Simon's Agency, Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Simons Agency generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Simons Agency from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 315-454-8700
We investigate the specific Simon's Agency, Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Simons Agency account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Simon's Agency, Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
315-454-8700 — Frequently Asked Questions
Who is calling me from 315-454-8700?
315-454-8700 is a direct-dial line associated with Simon's Agency, Inc. (also seen as Simons Agency), a third-party collection agency headquartered in Liverpool, NY and operating since 1965. The number resolves to the 315 area code. If you received a call from 315-454-8700 — often showing the last four digits 8700 on your screen — it is very likely Simon's Agency, Inc. attempting to reach you about a debt they say you owe, most often medical debt, commercial debt, consumer accounts.
Is 315-454-8700 a scam number?
Simon's Agency, Inc. is a real, registered company, and 315-454-8700 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Simons Agency, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 315-454-8700?
You are not legally required to answer 315-454-8700 or call Simon's Agency, Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Simon's Agency, Inc. must pause collection until it mails you proof of the debt.
Why is Simon's Agency, Inc. calling me about medical debt?
A call from 315-454-8700 usually means an original medical debt went unpaid and was placed with Simon's Agency, Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Simon's Agency, Inc. from calling 315-454-8700?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Simon's Agency, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 315-454-8700 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Simon's Agency, Inc. is calling about?
Do not pay anything based on a call from 315-454-8700 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Simon's Agency, Inc.
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