251-699-1485

What Company Is Calling Me From 251-699-1485? Are They A Scam And Why Are They Calling Me?

To find out who is calling from 251-699-1485, it could be Armstrong and Associates or the law firm of Morgan Armstrong, both of which are debt collectors based in Alabama. They typically make calls between 8:00 AM and 5:00 PM Central Time, Monday through Friday. The call might be about a personal issue. Nonetheless, be cautious, as there have been reports of scam calls from similar numbers. Always confirm the identity of the caller and never disclose sensitive information to unknown callers.

In conclusion, it’s vital to be cautious and vigilant when receiving calls from unknown numbers, particularly those related to debt collection. Always verify the identity of the caller and never share sensitive information. If you suspect FDCPA violations, consult an attorney for assistance. You can also request debt validation, negotiate a settlement or payment plan, revoke permission for calls outside FDCPA guidelines, maintain detailed records of all communications, and explore options to remove the debt from your credit report.

How Can I Block Or Stop Calls From 251-699-1485?

First, determine if the calls are from a debt collector. If so, let unknown calls go to voicemail and avoid answering directly. To block these calls, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, send a cease and desist letter via certified mail demanding no further calls. Check your state’s laws for any additional prohibitions on collection calls without written notice and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if legal action is necessary.

While blocking calls doesn’t eliminate any debts owed, it can stop harassment while addressing outstanding debts. Be cautious of potential scam calls from similar numbers and never share sensitive information with unknown callers. Verify the identity of the caller and report potential FDCPA violations to an attorney for assistance. Request debt validation and negotiate a settlement or payment plan, and consider revoking permission for calls outside FDCPA guidelines. Keep detailed records of all communications and correspondence, and evaluate options to remove the debt from your credit report.

Is 251-699-1485 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

To check if the phone number 251-699-1485 is violating the Fair Debt Collection Practices Act (FDCPA), first identify the company making the call. Ensure the calling hours are between 8:00 am and 5:00 pm Central Time, Monday through Friday. Be cautious with personal calls, and never share sensitive information with unknown callers.

If you suspect FDCPA violations, document all call details, including date, time, frequency, phone number, and call content. Track any calls outside allowed hours, repeated calls, or abusive language. To protect your rights, revoke consent for calls outside normal hours, request them to stop calling at work, and send a cease and desist letter via certified mail.

Seek assistance from the Consumer Financial Protection Bureau, a consumer protection attorney, state Attorney General’s office, or a credit counselor for guidance on addressing the debt and preventing further collection calls. Keep detailed records and assert your rights to avoid harassment from debt collectors who may be violating the FDCPA.

If 251-699-1485 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 251-699-1485 is a debt collector, the first step is to validate the debt by requesting written proof from them. As per the Fair Debt Collection Practices Act (FDCPA), they must provide this information. Once the debt is confirmed, you can consider negotiating a settlement or payment plan. Offering a partial payment in exchange for debt removal from your credit report can be effective.

Additionally, if the collector violates FDCPA regulations, you can assert your rights. Seeking help from a credit counselor or attorney can guide you towards the best debt resolution path. Keep detailed records of all interactions with the collector, as it may be useful in case of complaints or legal action. Lastly, revoke any permissions given to the collector if they violate FDCPA guidelines.

Can 251-699-1485 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

When dealing with a debt collector like 251-699-1485, it’s essential to know your rights and options. If the debt is legitimate, the collector 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 demonstrate good faith effort to pay.
2. Assert your inability to pay and request they cease contact, which may prevent a lawsuit, but they could still proceed.
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. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt to have a clear record.

Before agreeing to settle, carefully consider:

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

Seek assistance to understand your options and rights first.

If 251-699-1485 Is A Collection Company, How Can I Remove It From My Credit Report?

First, find out if 251-699-1485 is indeed a debt collection company. If so, the initial step is to verify the debt’s authenticity. Request written proof from the collector and thoroughly review it for accuracy. If any information is incorrect, file a dispute in writing, citing the debt as inaccurate under the Fair Credit Reporting Act (FCRA), and demand its removal from your credit file.

If the collector confirms the debt is legitimate, consider the following steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing, settling the debt in exchange for its removal.
2. Offer a good faith partial settlement payment and request deletion as a goodwill gesture.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
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. Keep detailed written records of your efforts to resolve the disputed collection account.

By actively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 251-699-1485?

People have left various feedback about the number 251-699-1485, mainly associating it with debt collectors Armstrong and Associates and Morgan Armstrong. Users report receiving voicemails and experiencing silent calls, hang-ups, and prank calls. The number is registered in Alabama, USA, and connected to healthcare debt collection. The caller’s identity is unknown, and the reason for the calls remains unclear.

In order to address this situation, it is crucial to verify the identity of the caller and never share sensitive information. If you suspect a scam call, beware of similar numbers and report potential Fair Debt Collection Practices Act (FDCPA) violations, consulting an attorney for assistance. In case of a legitimate debt, request debt validation and negotiate a settlement or payment plan. You may also consider revoking permission for calls outside FDCPA guidelines and keep detailed records of all communications and correspondence. Finally, evaluate options to remove the debt from your credit report.