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What Company Is Calling Me From 7172143017 And Why Are They Calling? Are They A Debt Collector?

If you are receiving a call from 717-214-3017, it is likely that Bureau of Accounts Management is reaching out to you. They are a debt collection agency based in Camp Hill, Pennsylvania. Their purpose is to contact individuals and collect on delinquent or defaulted debts on behalf of creditors and debt buyers. While they are a legitimate collection agency, it’s important to be cautious as there have been complaints about their aggressive tactics.

When Bureau of Accounts Management contacts you, it is crucial to ensure the debt they claim you owe is valid. If you believe the debt is incorrect or you dispute owing it, you have the right to request written validation from them. Additionally, it is essential to have a clear understanding of your rights under the Fair Debt Collection Practices Act (FDCPA). This act grants you the right to request that Bureau of Accounts Management stops contacting you if you so desire. However, if the debt is indeed valid, you may want to consider negotiating a settlement or payment plan with them. In the event that you encounter any illegal or abusive practices during your interaction with them, it is recommended to report such behavior to the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).

In conclusion, the number 717-214-3017 is associated with Bureau of Accounts Management, a debt collection agency. If you receive a call from them, make sure to verify the debt’s validity, be aware of your rights, and take appropriate action based on your circumstances.

How Can I Block Or Stop Calls From 7172143017?

To block or stop calls from the number 7172143017, you can follow these steps. First, let unknown calls go to voicemail and avoid answering them directly. This way, you can determine if it is a debt collector attempting to reach you.

Once you have identified the caller as a debt collector, there are a few options to block further calls. Contact your phone carrier and ask them to permanently block the number. Additionally, you can use call blocking apps like Nomorobo or Hiya to automatically filter out the number at the network level. If you have a smartphone, you can set contacts not in your address book to go straight to voicemail or be blocked.

To formally request no further contact, you can send a cease and desist letter via certified mail, demanding that the caller stops making any more calls. Check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice, and send a cease and desist letter invoking those rights. Make sure to keep detailed records of all calls for potential legal action.

Lastly, if you need assistance with addressing the underlying debt, consider consulting a non-profit credit counselor who can help negotiate a resolution. If the collector violates regulations, it may be beneficial to speak with a consumer protection attorney to learn more about your rights and potential lawsuits. Remember to check voicemails regularly in order to monitor any messages from identified collectors, as blocking calls does not eliminate any legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 7172143017, And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have specific rights as a consumer concerning calls from the number 7172143017. To ensure you protect your rights, it is crucial to keep a record of important call details, including the date, time, frequency, phone number, and specifics of each call. Violations of the FDCPA may occur if they call you outside the allowable hours of 8am – 9pm in your time zone without your consent. Additionally, repeated calls exceeding 2-3 times per week or the use of abusive language could also be violations.

To exercise your rights, you can write a letter to revoke any prior consent given for calls outside normal hours and request that they refrain from contacting you at your workplace if prohibited by your employer. Another option is to send a cease and desist letter via certified mail, explicitly stating that you no longer wish to be contacted by phone. Alternatively, during any conversation, you can verbally request them to stop calling.

If you suspect violations, it is advisable to report them to the Consumer Financial Protection Bureau along with your documented evidence to initiate an investigation. Seeking guidance from a consumer protection attorney can also help you understand your specific rights and potential courses of action, which may include pursuing damages through a lawsuit. Seeking advice from an experienced credit counselor can assist you in addressing your debt while minimizing the occurrence of collection calls.

Always remember to adhere to the guidelines outlined in the FDCPA and maintain detailed records as you assert your consumer rights.

If Company From 7172143017 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

To validate the debt if the company from 7172143017 is a debt collector, simply send a written validation request to the collector. They must comply with this request as mandated by the Fair Debt Collection Practices Act (FDCPA). Carefully review the provided validation for accuracy, checking that personal details, creditor name, account number, and amount owed are correct. Dispute any incorrect or unrecognized information in writing and request its removal from your credit report.

Once the debt has been validated, you have various options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payment. If feasible, you may also offer a partial payment of 30-50% of the balance and request deletion from your credit report in return. In case the debt collector violates regulations during collection, assert your rights under the FDCPA formally. Seeking guidance from a non-profit credit counseling agency can be beneficial when negotiating debt resolution. If necessary, consult an attorney to discuss potential bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls for future complaints, and consider revoking prior permission granted to the collector to contact you outside stipulated FDCPA guidelines.

Remember, it is crucial not to ignore a potential debt collector. Validate the debt and exercise your consumer rights under federal and state law before deciding on the best course of action. Seeking assistance from professionals can help ensure a fair resolution to the debt.

Can The Company From 7172143017 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from the number 7172143017 is a debt collector and the debt is legitimate, they have the potential to sue you and garnish your wages or seize funds from your bank accounts. To avoid legal action, you can try negotiating affordable payment options in writing and assert your inability to pay, although this may not guarantee a lawsuit won’t be filed. Seeking guidance from a non-profit credit counselor or a consumer law attorney can help you understand your protections under the Fair Debt Collection Practices Act (FDCPA) and state laws. Bankruptcy may also be an option worth considering if your debts are overwhelming.

Before agreeing to settle, carefully evaluate the proposed payment plan and ensure it is realistically affordable for your budget. It’s important to get any settlement terms in writing before making payments. Keep in mind that even if you settle, a debt collector can still sue if you default on the settlement. Settling for a lump sum that you can’t realistically afford may have long-term financial consequences.

In summary, settling with the company from the number 7172143017 may be a wise choice to avoid legal action, but it’s essential to assess your financial situation and seek professional assistance to understand your options and rights.

If 7172143017 Is A Collection Company, How Can I Get It Removed From My Credit Report?

To get a collection company like 7172143017 removed from your credit report, it’s important to start by validating the legitimacy of the debt. Request written confirmation and carefully review it for any inaccuracies in personal details or debt information. If you find any mistakes, write a dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act and demand its removal from your credit file.

If the collection agency verifies the debt, there are several options you can explore to potentially remove it. One option is to negotiate a pay-for-delete agreement, where you settle the debt in writing and request its removal from your credit report. Alternatively, you can offer a partial settlement payment as a gesture of goodwill and ask for deletion. Hiring a credit repair service to dispute the debt on your behalf and provide legal assistance could also be an option worth considering.

If none of these options prove successful, you can wait for the 7-year credit reporting time limit, after which the collection should automatically fall off your report. Additionally, if the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney is also advisable to review if any laws were broken by the collector, potentially allowing you to sue for removal and damages. Be sure to keep detailed records of all your efforts to resolve the disputed collection account.

By taking proactive steps to validate debts, negotiate with collectors, and assert your rights, you can increase your chances of successfully removing collections from your credit report. However, always remember to determine the legitimacy of the debt before taking any action.