254-535-3258

What Company Is Calling Me From 254-535-3258? Are They A Scam And Why Are They Calling Me?

The phone number 254-535-3258 is associated with William B White from Stephenville, TX, and is provided by Sprint Spectrum. It is not definitively identified as a scam or telemarketer. When receiving calls from unknown numbers, always be cautious and do not provide personal information unless you are certain of the caller’s identity. If you face unwanted calls, contact your phone service provider or the Federal Trade Commission to file a complaint.

It is vital to be vigilant and cautious when receiving calls from unknown numbers. Verify the caller’s identity before providing any personal information. If the call is from a debt collector, familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and assert them accordingly. Keep track of calls and voicemails from identified collectors and negotiate settlement terms if the collector is legitimate. Seek professional guidance to understand your rights and options before agreeing to a settlement. By taking these precautions, you can protect yourself from potential scams and unwanted calls.

How Can I Block Or Stop Calls From 254-535-3258?

If you’re receiving unwanted calls from the number 254-535-3258, follow these steps to block or stop the calls:

1. First, let the unknown calls go to voicemail. If the collector leaves a message about a debt, you’ve identified them.

2. Next, contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account.

3. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

4. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

5. If the collector is identified, send a cease and desist letter via certified mail demanding no further calls. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

6. Consult a non-profit credit counselor to help negotiate resolution of the debt. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

7. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 254-535-3258 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

Firstly, if you’re receiving calls from the number 254-535-3258, it’s crucial to identify whether the caller is a debt collector and if they’re breaching the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, you possess certain rights as a consumer, including protection against harassment and abuse during debt collection calls.

To document any potential FDCPA violations, keep a record of the call dates, times, frequency, phone number, and details. Note if they call outside the allowed hours of 8 am – 9 pm in your time zone. Track if they repeatedly call over a short period, such as more than 2-3 times per week. Log any abusive, threatening, or obscene language used during the calls.

Asserting your rights involves revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter, and verbally requesting they stop calling during any conversation.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau to initiate 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 if you think FDCPA violations have occurred. Additionally, seek advice from an experienced credit counselor on how to address the debt without incurring further collection calls.

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

If 254-535-3258 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 254-535-3258 and suspect it is a debt collector, it’s important to validate the debt and explore your options. To validate the debt, request written validation from the collector by mailing a debt validation letter. This is required under the FDCPA.

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. Offering a partial payment of 30-50% of the balance may be a reasonable starting point if you can afford it. Request deletion from your credit report in exchange.

2. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

3. If the collector violates FDCPA regulations, assert your rights and consider contacting a non-profit credit counseling agency or an attorney for guidance on potential legal action.

4. Keep detailed records of all correspondence and calls for potential complaints.

5. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines.

Always remember, never ignore 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 254-535-3258 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a debt 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, try negotiating affordable lump-sum or installment payments in writing, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are truly overwhelming. Thoroughly document calls, letters, and your efforts to address the debt.

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 a collector can still sue if you default on a settlement, and avoid agreeing to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

To handle unwanted calls from unknown numbers, identify if the unknown number is a debt collector and take action to block or report unwanted calls. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and assert them. Request debt validation and negotiate settlement terms if the collector is legitimate. Monitor calls and voicemails from identified collectors and avoid providing personal information. Seek professional guidance to understand your rights and options before agreeing to a settlement.

If 254-535-3258 Is A Collection Company, How Can I Remove It From My Credit Report?

If the calls are from a debt collection company, first ensure the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider taking active steps to potentially remove it. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, or hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Additionally, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consult 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 focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 254-535-3258?

There are no specific comments, feedback, or quotes mentioned in the documents about the phone number 254-535-3258. The available information includes Cynthia R White’s full name, age, current address, and other phone numbers. It is not possible to provide the requested information about feedback and comments regarding the phone number 254-535-3258.

If you receive a call from this number and suspect it to be a debt collector, you can take action to block or report the unwanted call. It is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and assert them if the collector is legitimate. Request debt validation and negotiate settlement terms if necessary. Monitor calls and voicemails from identified collectors and avoid providing personal information. Seek professional guidance to understand your rights and options before agreeing to a settlement.