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What Company Is Calling Me From 7179963383 And Why Are They Calling? Are They A Debt Collector?

The phone number 717-996-3383 belongs to Bureau of Account Management, a debt collection agency based in Camp Hill, Pennsylvania. They are calling you because an original creditor has assigned them to collect an outstanding debt. As a debt collector, they must comply with consumer protection laws, including the Fair Debt Collection Practices Act, which limits their collection tactics.

If you have any doubts about the debt or want proof of its validity, you have the right to request a debt validation letter from them. It’s worth noting that the debt might be old and beyond the statute of limitations for legal collection in your state. If their calls become excessive or bothersome, you can ask them to stop contacting you.

In summary, Bureau of Account Management is a legitimate debt collection agency reaching out about an alleged outstanding debt. It’s essential to be aware of your rights and seek validation if you question the debt. Consider obtaining a comprehensive understanding of your credit history and any outstanding debts by obtaining a three bureau credit report through IdentityIQ.

How Can I Block Or Stop Calls From 7179963383?

If you’re looking to block or stop calls from 7179963383, there are a few steps you can take. First, let unknown calls go to voicemail and avoid answering them directly. This will allow you to determine if the caller is a debt collector. Once you’ve identified the caller as a collector, you can take further action to block their calls.

One option is to contact your phone carrier and request that they permanently block the number. Alternatively, you can use call blocking apps like Nomorobo or Hiya. For smartphone users, you can also set contacts not in your address book to be sent straight to voicemail or blocked altogether.

To formally request no further contact, consider sending a cease and desist letter via certified mail. It’s also worth checking if your state has any additional laws that prohibit collection calls without written notice. If so, you can invoke these rights in your cease and desist letter. Keep detailed records of all calls to provide evidence of harassment if legal action becomes necessary.

In addition, it’s crucial to address the underlying debt. Seek assistance from a non-profit credit counselor who can help negotiate a resolution with the debt collector. If the collector violates regulations, don’t hesitate to speak to a consumer protection attorney. Lastly, remember to regularly check your voicemails for any messages from identified collectors. Blocking calls won’t eliminate any legitimate debts owed, but by taking these proactive steps, you can put an end to harassment while addressing your outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 7179963383 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to understand your rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 7179963383. To determine if the FDCPA is being violated, you should document any potential violations by recording important details such as the date, time, frequency, phone number, and specifics of each call. Pay attention if they call outside of the allowed hours of 8am – 9pm in your time zone or if they repeatedly call within a short period or use abusive language.

To assert your rights, you have several options. You can revoke any prior consent given to call outside normal hours by putting it in writing. If your workplace prohibits such calls, you can formally request that they cease contact there as well. Sending a certified mail cease and desist letter demanding no further phone contact is another effective option. Additionally, during any conversation with the caller, you can verbally ask them to stop calling.

If you are unsure about what steps to take next, you have resources available to help you. Reporting any violations to the Consumer Financial Protection Bureau and providing them with your documented evidence can initiate an investigation. Consulting with a consumer protection attorney will offer guidance on your specific rights and options, including the possibility of suing for damages. You may also seek advice from your state Attorney General’s office or an experienced credit counselor for further assistance on how to address the debt while avoiding additional collection calls.

If Company From 7179963383 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 7179963383 is a debt collector, you can validate the debt by requesting written validation through a debt validation letter. This is required by the Fair Debt Collection Practices Act (FDCPA). Review the validation carefully for accuracy, including personal details, creditor name, account number, and amount owed. If there are any incorrect or unrecognized details, dispute them in writing and request removal from your credit report.

Once the debt is validated, you have various options to consider for dealing with it. You can negotiate a reasonable lump-sum settlement or a payment installment plan in writing before making any payments. If the amount is manageable, you may offer a partial payment of 30-50% of the balance and request deletion from your credit report in exchange. In case the debt collector violates regulations during collection, you can assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency for assistance with debt resolution is another option. Alternatively, contacting an attorney to explore bankruptcy or legal action against the collector is also possible. Keep detailed records of all communication and calls for potential complaints, and think about revoking any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember 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 help from professionals can ensure a fair outcome in resolving the debt.

Can The Company From 7179963383 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 7179963383 is a debt collector, they have the potential to sue and garnish your wages if they obtain a court judgment for a legitimate debt. To show good faith effort, it’s important to negotiate affordable payment options in writing. You can also assert your inability to pay and request that they cease contact, although this may not prevent a lawsuit. Seeking guidance from a non-profit credit counselor or a consumer law attorney can provide further assistance and understanding of your legal protections.

If your debts are overwhelming, consider consulting with an attorney to determine the appropriateness of bankruptcy as an option. It’s crucial to thoroughly document all communication and efforts made to address the debt for a clear record. Before settling, carefully review any proposed payment plan to ensure it is realistically affordable and obtain any agreements in writing. Keep in mind that a collector can still sue if you default on a settlement, so it’s crucial to make payments that you can realistically maintain in the long term. Before agreeing to any settlement, seek assistance to fully understand your options and rights.

Remember, this information is provided as guidance and should not replace professional advice. It’s important to consult with a qualified attorney or credit counselor who can provide personalized advice based on your specific situation.

If 7179963383 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 7179963383 is a collection company, the first step to get it removed from your credit report is to validate the debt’s legitimacy. Request written confirmation and carefully review the validation for accuracy. If any information is incorrect, dispute it in writing under the Fair Credit Reporting Act and demand removal from your credit file.

If the collector verifies the debt’s validity, you have a few options to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, settling the debt in exchange for removal. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill. To get help in disputing the debt or taking legal action against the collector, consider hiring a credit repair service or consulting a consumer law attorney.

If none of these options work, you can wait for the 7-year credit reporting time limit. After this time, the collection may be automatically removed from your report. However, it is crucial to keep detailed records of your efforts to resolve the disputed collection account. If the collector violates laws and refuses to remove inaccurate information, consider filing a complaint with the Consumer Financial Protection Bureau.

By validating debts, negotiating, asserting your rights, and maintaining proper documentation, you can increase your chances of removing collections from your credit report. Remember to prioritize verifying the legitimacy of the debt before taking any action.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE