201-777-2860

What Company Is Calling Me From 201-777-2860? Are They A Scam And Why Are They Calling Me?

The company calling from 201-777-2860 is Broadwing Communications, located in Jersey City, New Jersey. This number has been associated with potential scams and telemarketing calls, often promoting affordable health insurance. It is important to be cautious when receiving calls from unknown numbers, and not to provide personal information if encountering a recorded message. Always verify the legitimacy of the call and the company, and consider reporting any suspicious calls to the appropriate authorities.

How Can I Block Or Stop Calls From 201-777-2860?

If you’re receiving calls from 201-777-2860, it’s essential to first determine if it’s a debt collector or a potential scam. To do this, let unknown calls go to voicemail and don’t answer directly. If the call is from a debt collector, you can block their number through your phone carrier or use call blocking apps.

Once you’ve identified the call as a debt collector, send a cease and desist letter via certified mail to request no further contact. You can also consult a non-profit credit counselor to negotiate debt resolution or speak to a consumer protection attorney about your rights and potential lawsuits.

Maintain detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Blocking calls won’t eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts. Remember to be cautious when receiving calls, avoid providing personal information, and report any suspicious calls to the appropriate authorities.

Is 201-777-2860 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from abusive, deceptive, or unfair debt collection practices. If you’re receiving calls from 201-777-2860, it’s important to know your rights and take action.

First, document all the details of the calls, such as date, time, frequency, phone number, and any potential violations. Note if calls are made outside the allowed hours (8am – 9pm) or if you receive excessive calls in a short period. Take note of any abusive or threatening language used during the calls.

Next, assert your rights by revoking any prior consent for calls outside normal hours, requesting no contact at your workplace if prohibited, and sending a cease and desist letter via certified mail. You can also verbally request the collector to stop calling during any conversation.

If you believe the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also seek assistance from a knowledgeable credit counselor on how to address the debt without further collection calls.

By understanding your rights under the FDCPA and taking action, you can prevent harassment from debt collectors and protect yourself from potential violations.

If 201-777-2860 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate if 201-777-2860 is a debt collector and your options, follow these steps:

1. Identify if the call is from a debt collector. If unsure, request written validation of the debt by mailing a debt validation letter to the collector.

2. Carefully review the validation for accuracy. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

3. Consider negotiating a reasonable settlement or payment plan in writing before sending any payment. Offer partial payment and request deletion from your credit report in exchange.

4. If the debt collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency for guidance.

5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

6. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior permission given to contact you outside FDCPA guidelines.

7. Be cautious when receiving calls from unknown numbers and avoid providing personal information. Block the number if necessary.

8. Understand your FDCPA rights and protections, document potential violations, and report them. If the call is from a health insurance scam, report it to identify the source and avoid becoming a victim of offshore identity theft phishing scams.

Can 201-777-2860 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 201-777-2860 is a debt collector, they can sue you and garnish your wages if they obtain a court judgment. To avoid legal action, consider negotiating affordable payments, asserting your inability to pay, seeking guidance from a non-profit credit counselor or attorney, or even considering bankruptcy. It’s essential to understand your rights and options before agreeing to settle the debt. Make sure any settlement terms are in writing, and ensure the payment plan is affordable to avoid further financial issues.

If 201-777-2860 Is A Collection Company, How Can I Remove It From My Credit Report?

If 201-777-2860 is a debt collection company, the first step is to validate the debt. Request written confirmation from the collector and review it thoroughly to ensure the information is accurate. If any details are incorrect, dispute the debt in writing, citing the Fair Credit Reporting Act. Demand that they remove the collection tradeline from your credit file.

If the debt is verified as legitimate, consider these steps to potentially remove it: negotiate a pay-for-delete agreement with the collector, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, hire a credit repair service to dispute the debt on your behalf, wait for the collection to fall off your report after seven years, file a complaint with the Consumer Financial Protection Bureau if the collector breaks laws and refuses to remove inaccurate information, or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Remember to always be proactive in validating debts, negotiating with collectors, and asserting your rights. But first, focus on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 201-777-2860?

People often leave comments and feedback about 201-777-2860, indicating that this phone number is associated with health insurance scams and robocalls. These calls typically offer affordable health insurance from an A+ rated insurer, which is likely part of an offshore identity theft phishing scam. Users recommend avoiding answering calls from this number and reporting any unwanted calls to identify the source.

In a nutshell, 201-777-2860 is a phone number that has been linked to health insurance scams and robocalls. Users report receiving unsolicited calls offering affordable health insurance from a seemingly reputable insurer. These calls are suspected to be part of an identity theft phishing scam. It is advised to avoid answering calls from this number and report any unwanted calls to trace the source.