201-292-8384

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What Company Is Calling Me From 201-292-8384? Are They A Scam And Why Are They Calling Me?

First, determine who is calling you from the number 201-292-8384. It is National Recovery Associates, Inc., a business management consultant in River Edge, New Jersey. However, be aware that they are a scam. They use this number to frighten people into paying them, often making false claims against the person they are trying to reach.

If you receive a call from this number, don’t provide any personal information and report the call to the FTC. If you believe you’ve been a victim of a scam, consult a legal professional.

Ultimately, it’s crucial to be cautious of unknown callers and protect your personal information.

How Can I Block Or Stop Calls From 201-292-8384?

If you’re receiving calls from the number 201-292-8384, it’s essential to determine if these calls are from a debt collector. To do this, let unknown calls go to voicemail and do not answer them directly. If the call is from a debt collector, take action to block their number. Contact your phone carrier to permanently block the number, use call blocking apps like Nomorobo or Hiya, or set contacts not in your address book to go straight to voicemail.

Once you have identified the collector, send a cease and desist letter via certified mail demanding no further calls. Consult a non-profit credit counselor to help negotiate a resolution of the debt. Keep records of all calls and correspondence to demonstrate a pattern of harassment if considering legal action.

Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and assert them if the collector violates regulations. Be cautious of scammers using multiple phone numbers and personal information, and report calls to the FTC. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 201-292-8384 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the number 201-292-8384, it’s important to determine if they are violating the Fair Debt Collection Practices Act (FDCPA). First, block the number and avoid engaging in conversation. Next, send a cease and desist letter demanding no further contact, and seek guidance from a non-profit credit counselor or consumer protection attorney.

To protect yourself, assert your rights under the FDCPA and document any potential violations. Record the date, time, frequency, phone number, and details of all calls, noting if they call outside of the allowed hours of 8am – 9pm in your time zone, call repeatedly over a short period, or use abusive language. If they continue to harass you, report the violations to the Consumer Financial Protection Bureau to open an investigation. You can also consult a consumer protection attorney for potential legal action.

Furthermore, contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Remember to be cautious of scammers using multiple phone numbers and personal information, and report calls to the FTC. By understanding your options and rights before settling any debt, you can protect yourself from harassment and potential violations of the FDCPA.

If 201-292-8384 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate if 201-292-8384 is a debt collector, start by identifying if the unknown call is from a debt collector. Block the number and send a cease and desist letter demanding no further calls. Consult a non-profit credit counselor or consumer protection attorney to help guide you through the process.

Under the Fair Debt Collection Practices Act (FDCPA), you have rights when dealing with debt collectors. Assert these rights if you believe the collector is violating any regulations. Keep records of all correspondence and calls for potential complaints.

To validate the debt, send a debt validation letter to the collector by mail. They are legally required to provide this information under the FDCPA. Carefully review the validation for accuracy, and dispute any incorrect or unrecognized information in writing, requesting removal from your credit report.

Once the debt is validated, consider negotiating a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange.

If necessary, consult an attorney to understand if bankruptcy or legal action against the collector are viable options. Always keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 201-292-8384 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a debt collector can potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, you can negotiate affordable payment plans, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy. Document all calls, letters, and efforts to address the debt.

Before settling, carefully consider if the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing before making payments, be aware a collector can still sue if you default on a settlement, and don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 201-292-8384 Is A Collection Company, How Can I Remove It From My Credit Report?

If 201-292-8384 is a collection company, you can remove it from your credit report by following these steps. First, validate if the debt is legitimate by requesting written confirmation from the collection agency. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, hire a credit repair service to formally dispute the debt on your behalf, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, and consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 201-292-8384?

People often leave feedback and comments about the number 201-292-8384, which is associated with National Recovery Associates, Inc. This number has been used by scammers posing as debt collectors, leaving automated voicemails that scare people into paying. These calls are considered a scam and should be reported to the FTC.

To address this issue, it is important to identify if the unknown call is from a debt collector and block the number. Sending a cease and desist letter demanding no further calls and consulting a non-profit credit counselor or consumer protection attorney can help protect your rights.

Understanding your options and rights under the Fair Debt Collection Practices Act (FDCPA) is crucial. Requesting debt validation, negotiating a settlement or payment plan, and keeping records of all correspondence can help you handle the situation effectively.

Lastly, be cautious of scammers using multiple phone numbers and personal information. Remember to report calls to the FTC and stay vigilant to protect yourself from potential scams.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE