213-797-3321

What Company Is Calling Me From 213-797-3321? Are They A Scam And Why Are They Calling Me?

The phone number 213-797-3321 is most likely connected to Credit One Bank, which is located in Los Angeles, California. Users have reported receiving calls from this number, with some having a credit account with the bank. It’s important to note that not all calls from this number may be legitimate. To protect yourself, refrain from sharing personal information with unknown callers and verify their identity before disclosing any details. If you have an account with Credit One Bank, reach out to them directly to confirm the authenticity of the call. If you’re experiencing harassing or unwanted calls, report them to the FTC or FCC and consider joining the National Do Not Call Registry.

How Can I Block Or Stop Calls From 213-797-3321?

To block or stop calls from 213-797-3321, first determine if the call is from a debt collector. If so, contact your phone carrier to block the number permanently. You can also use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

If the calls continue, send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Consider consulting a non-profit credit counselor to help negotiate resolution of the debt. If the collector violates regulations, speak to a consumer protection attorney regarding your rights and potential lawsuits. Remember, blocking calls does not eliminate any legitimate debts owed. Taking proactive steps can stop harassment while addressing any outstanding debts.

Is 213-797-3321 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from unfair debt collection practices. If you receive calls from 213-797-3321, document any potential violations, such as abusive language, frequency, and time of calls. You can revoke any prior consent given to call outside normal hours and request them to stop calling at your workplace. Additionally, send a cease and desist letter via certified mail.

Assert your rights by verbally requesting the collector to stop calling during any conversation. If needed, report violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, contact your state Attorney General’s office, or seek guidance from a credit counselor on addressing the debt without further collection calls. Remember, debt collectors must adhere to the FDCPA, so keep detailed records and assert your rights to prevent harassment.

If 213-797-3321 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 213-797-3321 is a debt collector, it’s essential to validate the debt and understand your options. First, request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, checking your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once 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. Formally assert your rights under the FDCPA if the collector violates regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

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 213-797-3321 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 213-797-3321, be cautious as it could be associated with Credit One Bank in Los Angeles, CA. Legitimate calls may be regarding account holders, but some calls could be fraudulent. Avoid sharing personal information with unknown callers and verify their identity. If you believe the call is from a debt collector, block the number and send a cease and desist letter.

To avoid legal action, negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay. Assert your inability to pay and request they cease contact. Seek guidance from a non-profit credit counselor to work with the collector on your behalf. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.

Before agreeing to settle, carefully consider if the proposed payment plan is realistically affordable based on your budget. Get any settlement terms or agreements in writing before making payments. Be aware that a collector can still sue if you default on a settlement. Settling for a lump sum that you can’t afford may do more long-term financial harm.

In conclusion, it’s crucial to understand your rights and options when dealing with debt collectors like 213-797-3321. Seek assistance to navigate the process and make informed decisions to protect your financial well-being.

If 213-797-3321 Is A Collection Company, How Can I Remove It From My Credit Report?

If you suspect that 213-797-3321 is a debt collection company, it’s crucial to first verify if the debt is legitimate by requesting written confirmation. Ensure the details in the validation are accurate and, if any discrepancies are found, send a written dispute to the collection agency stating the debt is inaccurate as per the Fair Credit Reporting Act.

If the collector confirms the debt is valid, consider the following steps to potentially remove it from your credit report:

1. Negotiate a pay-for-delete agreement in writing, settling the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to dispute the debt on your behalf, providing legal resources to help in getting it removed.
4. Wait for the collection to fall off your report automatically after 7 years.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.
7. Maintain detailed written records of your efforts to resolve the disputed collection account.

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

What Feedback And Comments Do People Leave About 213-797-3321?

Based on the feedback and comments people leave about 213-797-3321, it is clear that the number is associated with Credit One Bank in Los Angeles, CA. Many individuals have reported receiving unwanted calls from this number, often in the form of robocalls or telemarketing attempts. Some have even experienced multiple calls per day, which has led to complaints of harassment.

When receiving calls from unknown numbers like 213-797-3321, it is crucial to avoid sharing personal information and verify the identity of the caller. If you believe the call is harassing or unwanted, you can report it to the Federal Trade Commission (FTC) or the Federal Communications Commission (FCC) and join the National Do Not Call Registry.

If the call is from a debt collector, it is essential to block the number and send a cease and desist letter. Consulting a non-profit credit counselor or attorney for debt resolution and protecting your rights is also a wise move. The Fair Debt Collection Practices Act (FDCPA) offers protections during debt collection calls, so it’s vital to document any potential violations.

To handle debt collection calls effectively, request written validation of the debt, negotiate a settlement or payment plan, and consider legal options if necessary. Validate the legitimacy of the debt, dispute any incorrect information, and seek pay-for-delete agreements to improve your credit score.

In addition, you can seek credit repair services, file complaints with the Consumer Financial Protection Bureau (CFPB), and consult consumer law attorneys for potential damages. By taking these steps, you can address the issue of unwanted calls from 213-797-3321 and protect your rights as a consumer.