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What Company Is Calling Me From 7198840964 And Why Are They Calling? Are They A Debt Collector?

The phone number 719-884-0964 belongs to Credit Service Company (CSC), a debt collection agency based in Colorado Springs, Colorado[1][2][3][4][5][6][7][8][9]. They are reaching out to you because they are attempting to collect an outstanding debt that you owe to a creditor, such as a credit card company or medical provider[1][2][3][4][7]. To avoid potential legal consequences like lawsuits or wage garnishment, it is essential to verify the debt and collaborate with Credit Service Company to find a resolution[2][3][4].

If the debt is beyond your state’s statute of limitations, you may not have a legal obligation to pay; however, it is advisable to consult a consumer lawyer to fully understand your options[2][3]. It is important to note that paying or settling the debt is the only way to eliminate it from your credit report[3][4]. If you require further information or have any additional questions, please feel free to reach out to us.

Sources:
[1] https://www.callercenter.com/719-884-0964.html
[2] https://www.nomorobo.com/lookup/719-884-0964
[3] https://directory.youmail.com/phone/719-884-0964
[4] https://www.cleverdialer.com/phonenumber/7198840964
[5] https://lookup.robokiller.com/p/719-884-0964
[6] https://www.creditservicecompany.com/feedback.html
[7] https://800notes.com/Phone.aspx/1-719-884-0964
[8] https://www.bbb.org/us/co/colorado-springs/profile/collections

How Can I Block Or Stop Calls From 7198840964?

If you suspect that calls from the number 7198840964 are from a debt collector, there are a few actions you can take to block or stop these calls. Firstly, let unknown calls go to voicemail and don’t answer them directly, as debt collectors may leave messages about debt collection.

To permanently block further calls, contact your phone carrier. Most major carriers provide call blocking through customer support or online accounts. You can also use call blocking apps like Nomorobo or Hiya, which automatically filter and block numbers at the network level. For smartphones, you can set contacts not in your address book to go straight to voicemail or be blocked.

To request no further contact, consider sending a cease and desist letter via certified mail, demanding that the collector stop calling you. 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. Keep detailed records of all calls as evidence of harassment if legal action is necessary.

It’s also important to seek help in addressing any underlying debt. Consult a non-profit credit counselor who can assist in negotiating a resolution. Speaking to a consumer protection attorney can also provide guidance on your rights and potential lawsuits if the collector violates regulations. Remember to regularly check voicemails for messages from an identified collector, as blocking calls doesn’t eliminate legitimate debts owed. Taking proactive steps can help stop harassment while addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 7198840964 And Are They Violating The Fair Debt Collection Practices Act?

If you receive calls from 7198840964, it is essential to understand your rights as a consumer. According to the Fair Debt Collection Practices Act (FDCPA), you have certain protections in place. To determine if the caller is violating the FDCPA, you can document potential violations by noting the date, time, frequency, phone number, and details of each call. Violations may include calls made outside the allowed hours of 8am – 9pm in your time zone without your consent, repeated calls over a short period, or the use of abusive language.

To assert your rights, there are several steps you can take. You can revoke any prior consent given to call outside normal hours by submitting a written request. If your workplace prohibits calls, you can formally ask the caller to cease contact there. Sending a certified cease and desist letter, demanding no further contact by phone, is also an option. Additionally, during any conversation with the caller, you can verbally request that they stop calling.

If you believe there are FDCPA violations, seeking assistance is crucial. You can report any violations, providing documentation, to the Consumer Financial Protection Bureau to initiate an investigation. Consulting with a consumer protection attorney can provide specific guidance on your rights and options, including the possibility of suing for damages. For further assistance, reaching out to your state Attorney General’s office can offer valuable guidance. Speaking with an experienced credit counselor can also help you address the debt while avoiding additional collection calls.

To prevent further harassment from debt collectors calling from 7198840964, it is vital for collectors to adhere to the FDCPA. By keeping detailed records and standing up for your rights as a consumer, you can protect yourself from further unwanted calls.

If Company From 7198840964 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company calling from 7198840964 is a debt collector, you can validate the debt by sending them a debt validation letter. Request written proof of the debt, including personal details, creditor name, account number, and amount owed. Check the validation carefully and dispute any incorrect or unrecognized information in writing. Ask for removal from your credit report if necessary.

Once the debt is validated, you have options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. Consider offering a partial payment of 30-50% of the balance and request deletion from your credit report. If the debt collector violates regulations, assert your rights under the Fair Debt Collection Practices Act (FDCPA). Seek guidance from a non-profit credit counseling agency for help with debt resolution negotiations. You may also want to consult an attorney to explore bankruptcy or legal action against the collector.

Keep detailed records of all correspondence and calls for potential complaints. Make sure to revoke any prior permission given to contact you outside FDCPA guidelines. Take action and validate the debt before deciding on the best approach. Get assistance from professionals to ensure a fair outcome and protect your consumer rights under federal and state law.

Can The Company From 7198840964 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you find yourself in a situation where a debt collector from the number 7198840964 is contacting you, it’s important to understand your rights and options. Legitimate debt collectors have the ability to sue you and garnish your wages or bank accounts if they obtain a court judgment. To avoid legal action, you can take steps such as negotiating affordable payment plans in writing, explaining your inability to pay, and seeking guidance from non-profit credit counselors or consumer law attorneys.

It’s crucial to carefully consider any settlement offers before agreeing to them. Make sure the payment plan is realistically affordable based on your budget and ask for the terms or agreements in writing. Remember that defaulting on a settlement can still lead to a lawsuit. Settling for a lump sum that you cannot afford may have long-term financial consequences. Seek assistance and understand your options and rights before making any decisions.

Obtaining a comprehensive credit report, like IdentityIQ’s 3 bureau credit report, can provide valuable information about your financial standing. This can help you make informed decisions about dealing with your debts and understanding the impact they may have on your overall credit profile. Remember to keep thorough documentation of all communication with the debt collector and your efforts to address the debt.

If 7198840964 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 7198840964 is a collection company, the first step is to validate the legitimacy of the debt by requesting written confirmation. Carefully review the validation to ensure that your personal details and debt information are accurate. If you find any inaccuracies, send a written dispute to the collection agency stating that the debt is incorrect according to the Fair Credit Reporting Act. Make it clear that you demand the removal of the collection tradeline from your credit file.

If the collector verifies the debt as valid, consider taking active steps to potentially remove it from your credit report. You can negotiate a pay-for-delete agreement in writing, where you offer to make a payment in exchange for the removal of the collection item. Another option is to offer a good faith partial settlement payment and request deletion of the account. Alternatively, you can hire a credit repair service to formally dispute the debt on your behalf. Additionally, you can wait for the 7-year credit reporting time limit, after which the collection should be automatically removed. If you believe there have been violations, you can file a complaint with the Consumer Financial Protection Bureau. For more complex cases, it may be helpful to consult a consumer law attorney to explore legal options.

Throughout the process, it is essential to keep detailed written records of all communication and efforts made to resolve the disputed collection account. Be proactive, persistent, and ensure proper documentation. By following these steps, it is possible to remove collections from your credit report. However, before taking any action, it is crucial to determine the legitimacy of the debt and proceed accordingly.