Who Called From 804-415-7123?
Short answer: 804-415-7123 is a number used by American Receivables Agency, LLC (American Receivables Agency, LLC), a third-party collection agency based in Disputanta, Virginia — florida consumer-collection-agency registration cca9902064, first approved 2010, shows this number on file as its telephone of record (disputanta, va). They are almost certainly trying to collect a debt, most often credit card 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 804-415-7123?
The number 804-415-7123 is used by American Receivables Agency, LLC (florida consumer-collection-agency registration cca9902064, first approved 2010, shows this number on file as its telephone of record (disputanta, va)), a third-party collection agency in Disputanta, Virginia. For the full company profile — ownership, history, and known aliases — see our complete American Receivables Agency, LLC guide. This page focuses on the calls coming from 804-415-7123 specifically.
About this specific number
- 📞 Number: 804-415-7123 (area code 804, ending in 7123)
- 📍 Line type: Direct-dial — resolves to the 804 area code.
- 🏢 Operator: American Receivables Agency, LLC, a third-party collection agency in Disputanta, Virginia.
- 🔢 Related lines: American Receivables Agency, LLC is documented using 1 number in our directory, so calls may also come from other digits.
804-415-7123 is a direct-dial number tied to the 804 area code, which is why the call may have appeared "local" on your caller ID even though American Receivables Agency, LLC operates out of Disputanta, Virginia.
Some carriers display 804-415-7123 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from American Receivables Agency, LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as:
Why Is American Receivables Agency, LLC Calling Me From 804-415-7123?
In our directory, 804-415-7123 is tracked as a florida consumer-collection-agency registration cca9902064, first approved 2010, shows this number on file as its telephone of record (disputanta, va) for American Receivables Agency, LLC, which typically collects credit card debt, medical bills, retail accounts. A call from 804-415-7123 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with American Receivables Agency, LLC to collect on behalf of the original creditor.
- ✅ American Receivables Agency, LLC is now dialing you from 804-415-7123 and possibly other lines to reach a resolution.
Calls from 804-415-7123 often come right after a billing cycle closes. Some people report that 804-415-7123 calls once and hangs up, then tries again from a different American Receivables Agency, LLC line hours later. A single missed call is not proof of a valid debt. When 804-415-7123 shows up on your caller ID, it is worth checking whether the American Receivables Agency, LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make American Receivables Agency, LLC prove the credit card debt in writing first.
Important: a phone call — even from a real number like 804-415-7123 — does not prove you owe the debt, that the amount is correct, or that American Receivables Agency, LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 804-415-7123
Anything you say to American Receivables Agency, LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 804-415-7123 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 American Receivables Agency, LLC.
Don't agree to a payment on the spot
A single payment to American Receivables Agency, LLC — 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 804-415-7123.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 804-415-7123. Any legitimate American Receivables Agency, LLC 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 804-415-7123 caller. If it truly is your American Receivables Agency, LLC account, they should already have what they need and must prove it.
What To Do If 804-415-7123 Keeps Calling
Here are concrete next steps for this specific American Receivables Agency, LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 804-415-7123 as a contact labeled "American Receivables Agency, LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 804-415-7123 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that American Receivables Agency, LLC identify the original creditor behind the 804-415-7123 calls and the date the debt was opened.
Your Rights When American Receivables Agency, LLC Calls From 804-415-7123
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 American Receivables Agency, LLC 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 American Receivables Agency, LLC 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 804-415-7123: 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 American Receivables Agency, LLC 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, American Receivables Agency, LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars American Receivables Agency, LLC 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 804-415-7123
We investigate the specific American Receivables Agency, LLC 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 American Receivables Agency, LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to American Receivables Agency, LLC. 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.
804-415-7123 — Frequently Asked Questions
Who is calling me from 804-415-7123?
804-415-7123 is a direct-dial line associated with American Receivables Agency, LLC (also seen as American Receivables Agency, LLC), a third-party collection agency headquartered in Disputanta, Virginia. The number resolves to the 804 area code. If you received a call from 804-415-7123 — often showing the last four digits 7123 on your screen — it is very likely American Receivables Agency, LLC attempting to reach you about a debt they say you owe, most often credit card debt, medical bills, retail accounts.
Is 804-415-7123 a scam number?
American Receivables Agency, LLC is a real, registered company, and 804-415-7123 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like American Receivables Agency, LLC, 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 804-415-7123?
You are not legally required to answer 804-415-7123 or call American Receivables Agency, LLC 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, American Receivables Agency, LLC must pause collection until it mails you proof of the debt.
Why is American Receivables Agency, LLC calling me about credit card debt?
A call from 804-415-7123 usually means an original credit card debt went unpaid and was placed with American Receivables Agency, LLC, 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 American Receivables Agency, LLC from calling 804-415-7123?
Yes. The FDCPA lets you send a written cease-and-desist demand telling American Receivables Agency, LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 804-415-7123 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt American Receivables Agency, LLC is calling about?
Do not pay anything based on a call from 804-415-7123 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 American Receivables Agency, LLC
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