239-201-2446

What Company Is Calling Me From 239-201-2446? Are They A Scam And Why Are They Calling Me?

The phone number 239-201-2446 is connected to the Graceville Correctional Facility in Florida, which is a prison. People have reported receiving collect calls from this number, likely from inmates. Although it is not a scam or telemarketing call, it is crucial to be cautious and safeguard your personal information. If you are uncertain about the caller’s identity or feel uneasy receiving these calls, you might want to block the number or contact the correctional facility for further information.

In conclusion, collect calls from 239-201-2446 are not a scam but may lead to discomfort or concerns. To address these concerns, consider blocking the number through your phone carrier, call blocking apps, or smartphone settings. Additionally, sending a cease and desist letter and documenting calls can help protect your rights as a consumer under the Fair Debt Collection Practices Act (FDCPA). Seeking assistance from non-profit credit counselors or attorneys can also be beneficial in addressing any debt-related issues. Keeping track of voicemails from identified collectors and taking action accordingly can help ensure your rights are upheld during debt collection calls.

How Can I Block Or Stop Calls From 239-201-2446?

If you’re receiving calls from 239-201-2446, it’s likely an inmate attempting a collect call from the Graceville Correctional Facility in Florida. To protect yourself, exercise caution and avoid sharing personal information during these calls. If you’re uncomfortable, block the number through your phone carrier, call blocking apps, or smartphone settings.

If the unknown caller is a debt collector, let the call go to voicemail and listen to any messages left. If it is a debt collector, contact your phone carrier to permanently block the number. You can also utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

Once you’ve identified the caller as a debt 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, and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Blocking calls won’t eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 239-201-2446 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 239-201-2446 is associated with the Graceville Correctional Facility in Florida, and collect calls from this number are likely from inmates. If you receive a call from an unknown debt collector, document the details of all calls, including date, time, frequency, phone number, and any abusive language used. Keep track of calls made outside allowed hours of 8 am – 9 pm in your time zone, and any excessive calling frequency.

To protect your rights under the Fair Debt Collection Practices Act (FDCPA), revoke any prior consent given for calls outside normal hours and request they cease contact at your workplace if prohibited. Send a cease and desist letter via certified mail, demanding no further contact. You can also verbally request them to stop calling during any conversation.

If you believe a debt collector is violating the FDCPA, report the violations to the Consumer Financial Protection Bureau and consider consulting a consumer protection attorney. You can also contact your state Attorney General’s office for guidance. To address the debt without further collection calls, seek advice from an experienced credit counselor. Remember, debt collectors must adhere to the FDCPA, and keeping detailed records can help prevent further harassment.

If 239-201-2446 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 239-201-2446 is a debt collector, the first step is to validate the debt to ensure its legitimacy. Send a debt validation letter by mail, requesting written proof of the debt, including your personal details, creditor name, account number, and amount owed. Carefully review the validation and dispute any incorrect or unrecognized information in writing.

Once the debt is validated, consider your options. You can negotiate a settlement or payment installment plan in writing, offer a partial payment if affordable, and request deletion from your credit report. If the collector violates FDCPA regulations, assert your rights. Consult a non-profit credit counseling agency for guidance on debt resolution or contact an attorney to explore bankruptcy or legal action.

Always maintain detailed records of correspondence and calls for potential complaints. If you are uncomfortable with calls from 239-201-2446, block the number or contact the correctional facility for more information.

Can 239-201-2446 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 239-201-2446, it is likely associated with the Graceville Correctional Facility in Florida, and the call is from an inmate. Ensure you exercise caution and protect your personal information during these calls. If you are uncomfortable or unsure, block the number or contact the correctional facility for more information.

If the call is from a debt collector, they could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider the proposed payment plan’s affordability, get any settlement terms or agreements in writing, and be aware that the collector can still sue if you default on a settlement. Settling often makes sense to avoid legal action but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 239-201-2446 Is A Collection Company, How Can I Remove It From My Credit Report?

If 239-201-2446 is a collection company, you can remove it from your credit report by first validating if the debt is legitimate. Request written confirmation from the collection agency, and review it carefully to ensure the debt and personal details are accurate. If any information is incorrect, send a written dispute to the 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 negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal, offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill, hiring a credit repair service to dispute the debt on your behalf, waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report, filing a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consulting 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 always focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 239-201-2446?

When people receive calls from the number 239-201-2446, they often report frequent calls, sometimes even multiple times in just 5 minutes. In some instances, they have received automated voice messages or collect calls from unknown callers. This has led some individuals to express concerns about their safety due to the constant calls from this number.

To protect yourself and your personal information, it is important to exercise caution when receiving calls from 239-201-2446 or any collect call from a correctional facility. If you feel uncomfortable or unsure, you can block the number through your phone carrier, call blocking apps, or smartphone settings. Additionally, contacting the correctional facility for more information can be helpful.

If the unknown call is from a debt collector, identify the collector and take action accordingly. If you believe your rights under the Fair Debt Collection Practices Act (FDCPA) are being violated, consider seeking assistance from non-profit credit counselors or attorneys to address the debt.

To protect your rights and ensure you are handling debt collection calls appropriately, monitor voicemails from identified collectors and take action as necessary. In a nutshell, be cautious and proactive when dealing with calls from 239-201-2446 or similar collect calls, and prioritize your safety and privacy.