Who Called From 904-863-4704?
Short answer: 904-863-4704 is a number used by Advanced Collections, Inc. (Advanced Collections, Inc.), a third-party collection agency based in Fort Walton Beach, Florida — florida consumer-collection-agency registration cca0300284, first approved 1994, lists this number as its telephone of record (fort walton beach, okaloosa county, fl). 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 904-863-4704?
The number 904-863-4704 is used by Advanced Collections, Inc. (florida consumer-collection-agency registration cca0300284, first approved 1994, lists this number as its telephone of record (fort walton beach, okaloosa county, fl)), a third-party collection agency in Fort Walton Beach, Florida. For the full company profile — ownership, history, and known aliases — see our complete Advanced Collections, Inc. guide. This page focuses on the calls coming from 904-863-4704 specifically.
About this specific number
- 📞 Number: 904-863-4704 (area code 904, ending in 4704)
- 📍 Line type: Direct-dial — resolves to Jacksonville, Florida.
- 🏢 Operator: Advanced Collections, Inc., a third-party collection agency in Fort Walton Beach, Florida.
- 🔢 Related lines: Advanced Collections, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
904-863-4704 is a direct-dial number tied to Jacksonville, Florida, which is why the call may have appeared "local" on your caller ID even though Advanced Collections, Inc. operates out of Fort Walton Beach, Florida.
Some carriers display 904-863-4704 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Advanced Collections, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as:
Why Is Advanced Collections, Inc. Calling Me From 904-863-4704?
In our directory, 904-863-4704 is tracked as a florida consumer-collection-agency registration cca0300284, first approved 1994, lists this number as its telephone of record (fort walton beach, okaloosa county, fl) for Advanced Collections, Inc., which typically collects credit card debt, auto deficiency balances, personal loans. A call from 904-863-4704 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 Advanced Collections, Inc. to collect on behalf of the original creditor.
- ✅ Advanced Collections, Inc. is now dialing you from 904-863-4704 and possibly other lines to reach a resolution.
Calls from 904-863-4704 often come right after a billing cycle closes. Some people report that 904-863-4704 calls once and hangs up, then tries again from a different Advanced Collections, Inc. line hours later. A single missed call is not proof of a valid debt. When 904-863-4704 shows up on your caller ID, it is worth checking whether the Advanced Collections, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Advanced Collections, Inc. prove the credit card debt in writing first.
Important: a phone call — even from a real number like 904-863-4704 — does not prove you owe the debt, that the amount is correct, or that Advanced Collections, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 904-863-4704
Anything you say to Advanced Collections, Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 904-863-4704 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 Advanced Collections, Inc..
Don't agree to a payment on the spot
A single payment to Advanced Collections, 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 904-863-4704.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 904-863-4704. Any legitimate Advanced Collections, 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 904-863-4704 caller. If it truly is your Advanced Collections, Inc. account, they should already have what they need and must prove it.
What To Do If 904-863-4704 Keeps Calling
Here are concrete next steps for this specific Advanced Collections, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 904-863-4704 as a contact labeled "Advanced Collections, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 904-863-4704 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Advanced Collections, Inc. identify the original creditor behind the 904-863-4704 calls and the date the debt was opened.
Your Rights When Advanced Collections, Inc. Calls From 904-863-4704
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 Advanced Collections, Inc. 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 Advanced Collections, 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 904-863-4704: 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 Advanced Collections, 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, Advanced Collections, Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Advanced Collections, Inc. 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 904-863-4704
We investigate the specific Advanced Collections, 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 Advanced Collections, Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Advanced Collections, 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.
904-863-4704 — Frequently Asked Questions
Who is calling me from 904-863-4704?
904-863-4704 is a direct-dial line associated with Advanced Collections, Inc. (also seen as Advanced Collections, Inc.), a third-party collection agency headquartered in Fort Walton Beach, Florida. The number resolves to Jacksonville, Florida. If you received a call from 904-863-4704 — often showing the last four digits 4704 on your screen — it is very likely Advanced Collections, Inc. attempting to reach you about a debt they say you owe, most often credit card debt, auto deficiency balances, personal loans.
Is 904-863-4704 a scam number?
Advanced Collections, Inc. is a real, registered company, and 904-863-4704 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Advanced Collections, Inc., 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 904-863-4704?
You are not legally required to answer 904-863-4704 or call Advanced Collections, 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, Advanced Collections, Inc. must pause collection until it mails you proof of the debt.
Why is Advanced Collections, Inc. calling me about credit card debt?
A call from 904-863-4704 usually means an original credit card debt went unpaid and was placed with Advanced Collections, 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 Advanced Collections, Inc. from calling 904-863-4704?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Advanced Collections, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 904-863-4704 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Advanced Collections, Inc. is calling about?
Do not pay anything based on a call from 904-863-4704 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.
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