2083451750

What Company Is Calling Me From 2083451750 And Why Are They Calling? Are They A Debt Collector?

The company calling you from 208-345-1750 is Action Collection Service, Inc. They are a debt collection agency based in Boise, Idaho. Action Collection Service is a legitimate third-party agency that contacts consumers to collect on defaulted debts assigned to them by creditors. They are allowed to make collection calls under consumer protection laws like the Fair Debt Collection Practices Act.

If you’re unsure about the debt they’re calling you about or if you believe it’s not yours, it’s important to exercise your rights. You can request that they stop contacting you and ask for validation of the debt in writing. It’s crucial to be cautious when sharing any personal or financial information over the phone until you have verified the identity of the caller and the validity of the debt.

In case Action Collection Service violates any debt collection laws, you can file complaints with agencies such as the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB). Staying informed about your rights as a consumer is essential, and taking appropriate action if necessary is important.

As an additional step, consider obtaining a copy of your credit report from IdentityIQ, a reliable provider of three bureau credit reports. This will allow you to monitor your credit and ensure that all information is accurate and up-to-date. Taking control of your financial situation is crucial when dealing with debt collectors.

How Can I Block Or Stop Calls From 2083451750?

If you’re getting calls from the number 2083451750 and want to block or stop them, follow these steps. First, determine if the calls are from a debt collector. Let unknown calls go to voicemail and avoid answering them directly. Debt collectors may leave messages about collecting a debt.

Once you’ve confirmed the calls are from a debt collector, take further action to block them. Contact your phone carrier and ask to permanently block the number. Major carriers provide call blocking options through customer support or online account management. You can also use call blocking apps like Nomorobo or Hiya, which automatically filter out and block unwanted numbers at the network level. On smartphones, you can set contacts not in your address book to go straight to voicemail or be blocked.

Besides blocking calls, it’s important to formally request no further contact from the debt collector. Send a cease and desist letter via certified mail, legally demanding that they stop calling you. Keep detailed records of all calls to demonstrate harassment if needed.

Lastly, address any underlying debt associated with the calls. Seek guidance from a non-profit credit counselor who can help negotiate a resolution for the debt. Consider consulting a consumer protection attorney if the collector violates regulations or if legal action is necessary. Blocking calls can stop harassment, but it doesn’t eliminate legitimate debts owed. Actively address and resolve any outstanding debts while taking steps to stop unwanted calls.

What Are My Rights As A Consumer Regarding Calls From 2083451750 And Are They Violating The Fair Debt Collection Practices Act?

If you suspect that the company associated with 2083451750 is a debt collector, it’s crucial to validate the debt. Start by sending a debt validation letter to the collector, requesting written validation of the debt as required by the FDCPA. Review the validation carefully, ensuring that your personal details, creditor name, account number, and amount owed are accurate. If you find any incorrect or unrecognized information, dispute it in writing and request removal from your credit report.

Once the debt is validated, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payment. If the debt is affordable, you can offer a partial payment of 30-50% of the balance and request deletion from your credit report in exchange. If the collector violates regulations during the collection process, assert your rights under the FDCPA. Consider reaching out to a non-profit credit counseling agency for guidance on negotiating debt resolution. You may also want to consult an attorney to explore options such as bankruptcy or legal action against the collector.

Remember, it’s important not to ignore a potential debt collector. Take the necessary steps to validate the debt and exercise your consumer rights before determining the best course of action. Seeking assistance from professionals can ensure a fair outcome. Additionally, pulling your three-bureau credit report through IdentityIQ can provide valuable information and insights to help you navigate this process effectively.

If Company From 2083451750 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from the phone number 2083451750 is a debt collector and the debt is legitimate, they have the potential to sue you to recover the amount owed. This could result in wage garnishment or seizure of funds from your bank accounts if they obtain a court judgment.

To avoid legal action, there are steps you can take. First, negotiate affordable lump-sum or installment payments with the debt collector and make sure to get the agreement in writing. By doing so, you demonstrate a good faith effort to repay the debt. You can also assert your inability to pay and request that the collector cease contact, although this may not prevent a lawsuit. Seeking guidance from a non-profit credit counselor can be beneficial as they can assist you in working with the collector.

It’s important to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) and state law. Hiring a consumer law attorney can help you understand and protect your rights against unreasonable lawsuits. If your debts become overwhelming, bankruptcy may be an option worth considering. An attorney can help determine if this is appropriate for your situation.

Before agreeing to settle, carefully evaluate the proposed payment plan and ensure that it is realistically affordable based on your budget. Obtain written documentation of any settlement terms or agreements before making payments. It’s crucial to note that even if you settle, the collector can still sue if you default on the settlement. Settling for a lump sum that exceeds your financial capacity could lead to more

Can The Company From 2083451750 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from the phone number 2083451750 is a debt collector, they have the potential to sue you or garnish your wages if the debt is legitimate. To avoid legal action, consider negotiating affordable lump-sum or installment payments with the debt collector in writing. This shows your good faith effort to pay and may prevent a lawsuit.

If paying is not possible, assert your inability to pay and request that the debt collector cease contact. While this may prevent a lawsuit, it doesn’t guarantee that legal action won’t be taken. Seek guidance from a non-profit credit counselor who can work with the collector on your behalf. They can help you explore options and negotiate with the debt collector.

Consulting with a consumer law attorney is also advisable. They can help you understand your protections under the Fair Debt Collection Practices Act (FDCPA) and state laws regarding unreasonable lawsuits. If your debts are overwhelming, bankruptcy may be an option to consider. Consult with an attorney to discuss whether it is suitable for your situation, and document all calls and letters regarding the debt to create a clear record.

Before agreeing to settle, carefully evaluate the proposed payment plan and ensure it is realistically affordable for your budget. Obtain any settlement terms or agreements in writing before making payments. Be aware that defaulting on a settlement may still result in a lawsuit. Seek assistance to understand your options and rights before making any decisions.

If 2083451750 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 2083451750 is a collection company, there are steps you can take to potentially remove it from your credit report. First, request written confirmation to validate the debt’s legitimacy. Carefully review the details for accuracy.

If any information is incorrect, send a written dispute to the collection agency, citing the Fair Credit Reporting Act and stating that the debt is inaccurate. Demand removal of the collection tradeline from your credit file.

If the debt is verified, consider negotiating a pay-for-delete agreement in writing. Offer a lump-sum settlement in exchange for removal, or propose a good faith partial settlement payment and request deletion as a gesture of goodwill. Another option is to hire a credit repair service to formally dispute the debt on your behalf and provide legal resources.

Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws or refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consultation with a consumer law attorney can also help determine if any laws were broken, allowing you to pursue removal and damages. Lastly, maintaining detailed written records of your efforts is crucial.

By validating debts, negotiating with collectors, asserting your rights, and keeping proper documentation, you can increase your chances of successfully removing collections from your credit report. Always prioritize determining the legitimacy of the debt before taking any action.