262-620-9518

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What Company Is Calling Me From 262-620-9518? Are They A Scam And Why Are They Calling Me?

The phone number 262-620-9518 is associated with Carolyn A Halbauer and Chris Halbauer, and is located at 5419 Woodstone Dr, Slinger, WI 53086. This number is often linked to telemarketing calls or scams, as callers discuss credit cards and financial matters without proper identification. These calls could be fraudulent, so be cautious when answering. To protect yourself, avoid unknown calls, block the number, and consider sending a cease and desist letter if the caller identifies as a debt collector. For assistance with debt validation, negotiation, and protection under the Fair Debt Collection Practices Act, consult a non-profit credit counselor or consumer protection attorney.

How Can I Block Or Stop Calls From 262-620-9518?

If you’re receiving unwanted calls from 262-620-9518, there are several steps you can take to block or stop these calls. First, let the call go to voicemail to identify if it’s a debt collector. If it is, contact your phone carrier to block the number or use a call blocking app. You can also set contacts not in your address book to go straight to voicemail.

Next, send a formal cease and desist letter requesting no further contact. Keep detailed records of all calls and consider seeking help from a non-profit credit counselor or a consumer protection attorney to address any underlying debt issues. By following these steps, you can effectively block or stop calls from 262-620-9518 and protect yourself from potential scams and fraudulent telemarketing calls.

Is 262-620-9518 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that safeguards consumers from abusive debt collection practices. If you receive calls from 262-620-9518, document the date, time, frequency, and details of the calls, especially if they call outside allowed hours or use abusive language. You can revoke consent for calls outside normal hours and request they stop calling at work.

If you suspect 262-620-9518 is violating the FDCPA, send a cease and desist letter and report the violations to the Consumer Financial Protection Bureau. It is vital to be vigilant and protect your rights as a consumer. Consult with a consumer protection attorney or credit counselor for help in dealing with debt collectors and understanding your rights under the FDCPA.

Ultimately, staying informed about your rights under the FDCPA and knowing how to respond to potentially abusive debt collection practices can help you protect yourself from scams and fraudulent calls. Always document the details of suspicious calls, report violations, and seek professional guidance when needed.

If 262-620-9518 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 262-620-9518 and suspect it’s a debt collector, it’s important to validate the debt and explore your options. To start, request written validation by sending a debt validation letter to the collector. Once you receive the validation, thoroughly review it for accuracy and challenge any incorrect information. If the debt is legitimate, consider negotiating a settlement or payment plan, offering partial payment if it’s affordable.

Remember to assert your rights under the Fair Debt Collection Practices Act (FDCPA). For additional guidance on debt validation, negotiation, and FDCPA protection, consult a non-profit credit counseling agency or attorney. Maintain detailed records of all interactions with the debt collector and keep a paper trail to safeguard yourself from potential scams and fraudulent practices. By taking these steps, you can validate the debt associated with 262-620-9518 and protect your financial well-being.

Can 262-620-9518 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector like 262-620-9518, they may potentially sue you for the owed amount, leading to wage or bank account garnishment if they obtain a court judgment. To avoid legal action, you can negotiate affordable payment plans, assert your inability to pay, seek credit counselor assistance, hire an attorney, consider bankruptcy, and thoroughly document all communications. Ensure that any settlement terms are in writing and affordable before agreeing to settle.

If 262-620-9518 Is A Collection Company, How Can I Remove It From My Credit Report?

If 262-620-9518 is a collection company on your credit report, it’s crucial to determine its legitimacy. First, request written confirmation from the agency and review it for accuracy. If the debt is found to be incorrect, dispute it with the collection agency for investigation. If the debt is valid, explore options such as negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service to help remove the negative item from your report. You can also wait for the 7-year limit on most negative items, file a complaint with the Consumer Financial Protection Bureau (CFPB), consult an attorney for further assistance, and maintain detailed records of all communication and transactions related to the debt.

What Feedback And Comments Do People Leave About 262-620-9518?

People have left feedback and comments about 262-620-9518, stating that they receive unwanted telemarketing calls and possible scams related to credit card relief. The number is connected to individuals named Carolyn Halbauer, Chris Halbauer, Peter Halbauer, Amy Ciriacks, and Greg Ciriacks, with an address at 5419 Woodstone Dr in Slinger, WI. To protect yourself from potential scams and fraud, avoid answering calls from unknown numbers, block the number, and consider sending a cease and desist letter if identified as a debt collector. Consult a non-profit credit counselor or consumer protection attorney for guidance on debt validation, negotiation, and protection under the Fair Debt Collection Practices Act.

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