Who Called From 877-705-0848?
Short answer: 877-705-0848 is a number used by Watercress Financial Group LLC (Watercress Financial Group LLC), a third-party collection agency based in West Des Moines, IA — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2103713-dca on file, address of record in west des moines, ia. They are almost certainly trying to collect a debt, most often consumer accounts. 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 877-705-0848?
The number 877-705-0848 is used by Watercress Financial Group LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2103713-dca on file, address of record in west des moines, ia), a third-party collection agency in West Des Moines, IA. For the full company profile — ownership, history, and known aliases — see our complete Watercress Financial Group LLC guide. This page focuses on the calls coming from 877-705-0848 specifically.
About this specific number
- 📞 Number: 877-705-0848 (area code 877, ending in 0848)
- 📍 Line type: Toll-free — resolves to a toll-free line.
- 🏢 Operator: Watercress Financial Group LLC, a third-party collection agency in West Des Moines, IA.
- 🔢 Related lines: Watercress Financial Group LLC is documented using 1 number in our directory, so calls may also come from other digits.
877-705-0848 is a toll-free number, which collectors like Watercress Financial Group LLC use for high-volume inbound and outbound calling.
Some carriers display 877-705-0848 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Watercress Financial Group LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as: Watercress Financial Group LLC.
Why Is Watercress Financial Group LLC Calling Me From 877-705-0848?
In our directory, 877-705-0848 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2103713-dca on file, address of record in west des moines, ia for Watercress Financial Group LLC, which typically collects consumer accounts, retail debt. A call from 877-705-0848 usually happens because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Watercress Financial Group LLC to collect on behalf of the original creditor.
- ✅ Watercress Financial Group LLC is now dialing you from 877-705-0848 and possibly other lines to reach a resolution.
Calls from 877-705-0848 often come right after a billing cycle closes. Some people report that 877-705-0848 calls once and hangs up, then tries again from a different Watercress Financial Group LLC line hours later. A single missed call is not proof of a valid debt. When 877-705-0848 shows up on your caller ID, it is worth checking whether the Watercress Financial Group LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Watercress Financial Group LLC prove the consumer accounts in writing first.
Important: a phone call — even from a real number like 877-705-0848 — does not prove you owe the debt, that the amount is correct, or that Watercress Financial Group LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 877-705-0848
Anything you say to Watercress Financial Group LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 877-705-0848 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 Watercress Financial Group LLC.
Don't agree to a payment on the spot
A single payment to Watercress Financial Group 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 877-705-0848.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 877-705-0848. Any legitimate Watercress Financial Group 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 877-705-0848 caller. If it truly is your Watercress Financial Group LLC account, they should already have what they need and must prove it.
What To Do If 877-705-0848 Keeps Calling
Here are concrete next steps for this specific Watercress Financial Group LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 877-705-0848 as a contact labeled "Watercress Financial Group LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 877-705-0848 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Watercress Financial Group LLC identify the original creditor behind the 877-705-0848 calls and the date the debt was opened.
Your Rights When Watercress Financial Group LLC Calls From 877-705-0848
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 Watercress Financial Group 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 Watercress Financial Group 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 877-705-0848: 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 Watercress Financial Group 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, Watercress Financial Group LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Watercress Financial Group 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 877-705-0848
We investigate the specific Watercress Financial Group 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 Watercress Financial Group LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Watercress Financial Group 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.
877-705-0848 — Frequently Asked Questions
Who is calling me from 877-705-0848?
877-705-0848 is a toll-free line associated with Watercress Financial Group LLC (also seen as Watercress Financial Group LLC), a third-party collection agency headquartered in West Des Moines, IA. The number resolves to a toll-free line. If you received a call from 877-705-0848 — often showing the last four digits 0848 on your screen — it is very likely Watercress Financial Group LLC attempting to reach you about a debt they say you owe, most often consumer accounts, retail debt.
Is 877-705-0848 a scam number?
Watercress Financial Group LLC is a real, registered company, and 877-705-0848 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Watercress Financial Group 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 877-705-0848?
You are not legally required to answer 877-705-0848 or call Watercress Financial Group 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, Watercress Financial Group LLC must pause collection until it mails you proof of the debt.
Why is Watercress Financial Group LLC calling me about consumer accounts?
A call from 877-705-0848 usually means an original consumer accounts went unpaid and was placed with Watercress Financial Group 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 Watercress Financial Group LLC from calling 877-705-0848?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Watercress Financial Group LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 877-705-0848 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Watercress Financial Group LLC is calling about?
Do not pay anything based on a call from 877-705-0848 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 Watercress Financial Group LLC
Local to North Carolina? We help residents statewide:
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.