202-559-6494

What Company Is Calling Me From 202-559-6494? Are They A Scam And Why Are They Calling Me?

To find out which company is calling from the phone number 202-559-6494, you need to investigate the source of the call. This number has mostly negative ratings and is likely a landline or mobile phone in the United States, specifically in Washington D.C. Many users report it to be associated with robocalls or recorded messages that are either advertising or scams. There is no specific company mentioned in the provided context.

If you receive a call from this number, it is recommended to be cautious and not provide any personal information. If you believe the call is a scam, you can report it to the Federal Trade Commission. To help block unwanted calls, consider using a call blocking app or service, such as Nomorobo, or contact your phone service provider to see if they offer any call blocking services or features.

In conclusion, always be vigilant and cautious when receiving calls from unknown numbers, such as 202-559-6494. Report any suspicious calls to the appropriate authorities and take necessary precautions to protect your personal information.

How Can I Block Or Stop Calls From 202-559-6494?

If you’re receiving unwanted calls from 202-559-6494, first identify if it’s a debt collector by letting the call go to voicemail and checking for messages. If it is, take these steps to block and address the situation:

1. Contact your phone carrier to block the number permanently. Most major carriers offer call blocking through customer support or your online account.
2. Use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
3. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.
4. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.
5. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights.
6. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

It’s important to address any outstanding debts while stopping harassment from collectors. Consult a non-profit credit counselor to help negotiate a resolution of the debt or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Is Phone Number Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the phone number 202-559-6494, it’s crucial to determine if these calls are violating the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that shields consumers from abusive, deceptive, and unfair debt collection practices.

To check if the calls are breaching the FDCPA, document the date, time, frequency, phone number, and details of all calls. Note whether the calls are made outside the allowed hours (8 am – 9 pm in your time zone) or if they repeatedly call within a short period. Additionally, observe if the collector uses abusive, threatening, or obscene language during the calls.

If you believe the calls are violating the FDCPA, you can take several steps to protect your rights:

1. Revoke any prior consent given to call outside normal hours.
2. Formalize a request to cease contact at your workplace if prohibited by your employer.
3. Send a cease and desist letter via certified mail, demanding no further contact by phone.
4. Verbally request the collector to stop calling during any conversation.

If you still receive unwanted calls, report the violations to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to discuss your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance on FDCPA violations. Finally, reach out to an experienced credit counselor for assistance on addressing the debt without incurring further collection calls.

Always remember, adhering to the FDCPA is necessary for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 202-559-6494 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 202-559-6494 and suspect it is a debt collector, it’s crucial to first confirm if the debt is valid and understand your rights under the Fair Debt Collection Practices Act (FDCPA). To do this, send a debt validation letter by mail to the collector, as they are legally obligated to provide this information.

Once you have confirmed the debt’s validity, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer to pay 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
2. Consult a non-profit credit counseling agency for guidance on debt resolution.
3. Contact an attorney to discuss if bankruptcy or legal action against the collector are viable options.
4. Keep detailed records of all correspondence and calls for potential complaints.
5. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before deciding on the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 202-559-6494 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is calling about a legitimate debt, they have the right to sue you to recover the amount owed. If they obtain a court judgment, they can garnish your wages or bank accounts. To avoid legal action, consider negotiating affordable payments, asserting your inability to pay, seeking help from a credit counselor, hiring an attorney, or even considering bankruptcy if debts are overwhelming.

Before settling, make sure the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing, and be aware that the collector can still sue if you default on a settlement. Settling may make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights before making any decisions.

If 202-559-6494 Is A Collection Company, How Can I Remove It From My Credit Report?

If 202-559-6494 is a debt collection company, you can potentially remove it from your credit report by following these steps:

1. Begin by confirming the debt’s legitimacy by requesting written proof from the collection agency. Ensure all personal and debt information is accurate.

2. If any details are incorrect, file a dispute in writing with the collection agency, citing the Fair Credit Reporting Act. Request them to remove the collection tradeline from your credit report.

3. If the debt is confirmed to be valid, consider these active steps to potentially remove it:

a. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
b. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
c. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.
d. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
e. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
f. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

4. Maintain detailed written records of your efforts to resolve the disputed collection account.

5. Verifying debts, negotiating with collectors, and asserting your rights can potentially remove collections from your credit report with persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 202-559-6494?

The phone number 202-559-6494 has received substantial negative feedback, mainly due to its association with robocalls and potential scams. Many users report that the number is linked to advertising and attempts to block it. The number is registered as a landline in Washington D.C., with specific zip codes associated with it. It is vital to address any unknown calls from this number by determining if they are from a debt collector. Consulting non-profit credit counselors or attorneys can help in addressing the underlying debt and reporting potential violations of the Fair Debt Collection Practices Act (FDCPA). Ensure to request written validation of the debt, negotiate a settlement or payment plan, and consider credit repair services if necessary. Keep in mind that legitimate debt collectors may sue for the owed amount, so always prioritize disputing inaccuracies and negotiating payment terms.