303-532-3737

What Company Is Calling Me From 303-532-3737? Are They A Scam And Why Are They Calling Me?

To find out which company is calling from the number 303-532-3737, use a reverse phone lookup service or search online for the phone number. The company you will discover is BC Services, a debt collection agency based in Longmont, Colorado. They mainly focus on collecting health-related or medical debts and have faced numerous complaints, including allegations of violating the Fair Debt Collection Practices Act (FDCPA).

If you think BC Services is harassing you or violating your rights, you may be able to take legal action under the FDCPA. It’s crucial to understand your rights under this act and other consumer protection laws to safeguard yourself from harassment and violations. When you receive a call from a debt collector, follow these steps:

1. Identify if the unknown call is from a debt collector and block the number.
2. Send a cease and desist letter to request the collector to stop contacting you.
3. Consult a non-profit credit counselor or consumer protection attorney for assistance.
4. Request written validation of the debt and dispute any inaccuracies.
5. Negotiate a settlement or payment plan with the debt collector.
6. Consider filing a complaint with the Consumer Financial Protection Bureau.
7. If necessary, take legal action against the debt collector for violating your rights under the FDCPA.

By adhering to these steps and staying informed about your rights, you can better protect yourself from harassment and violations by debt collectors like BC Services.

How Can I Block Or Stop Calls From 303-532-3737?

To block or stop calls from 303-532-3737, follow these steps:

1. Determine if the calls are from a debt collector: Let unknown calls go to voicemail and do not answer directly. If a message states they are attempting to collect a debt, it’s likely a debt collector.

2. Block the number: Contact your phone carrier to block the number permanently. Use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

3. Request no further contact: Send a cease and desist letter via certified mail demanding no further calls. Consult a non-profit credit counselor to help negotiate resolution of the debt or consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

4. Address the underlying debt: Consult a non-profit credit counselor to help negotiate resolution of the debt or consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Blocking calls will not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts. Remember to keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Is 303-532-3737 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 protects consumers from abusive, deceptive, and unfair debt collection practices. If you are receiving calls from 303-532-3737, associated with BC Services, you have certain rights as a consumer. To determine if this number is violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Note if they call outside of allowed hours (8 am – 9 pm in your time zone), repeatedly call over a short period, or use abusive, threatening, or obscene language.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation. If you believe FDCPA violations have occurred, report the violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 303-532-3737 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 303-532-3737 and it’s a debt collector, the first step is to validate the debt. You can do this by sending a debt validation letter to the collector, which they are legally required to provide under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, carefully review the details to ensure they match your account. If there are any discrepancies or unrecognized information, dispute it in writing and request removal from your credit report.

Next, consider negotiating a reasonable settlement or payment plan in writing before sending any payment. You can offer a partial payment of 30-50% of the balance if it’s affordable, and request deletion from your credit report in exchange.

If the collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency for guidance on debt resolution. You can also contact an attorney to explore options such as bankruptcy or legal action against the collector.

Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to the collector if they are not following FDCPA guidelines. Remember, never ignore a potential debt collector. Confirm the debt’s validity and exercise your consumer rights under federal and state law to determine the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 303-532-3737 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 303-532-3737, which is associated with BC Services, a debt collection agency that specializes in medical debts, it’s essential to understand your rights and options. If you feel harassed or believe your rights are being violated, you may pursue legal action under the Fair Debt Collection Practices Act (FDCPA).

To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert your inability to pay and request the collector to cease contact.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming.

Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget. Get any settlement terms or agreements in writing before making payments. Be aware that a collector can still sue if you default on a settlement. Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 303-532-3737 Is A Collection Company, How Can I Remove It From My Credit Report?

If 303-532-3737 is a collection company, the first step to remove it from your credit report is to verify if the debt is legitimate. Request written confirmation from the collector and review the validation for accuracy. If there are any discrepancies, send a written dispute stating the debt is inaccurate according to the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources to assist in getting it removed is another option.

You can also wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another viable option.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 303-532-3737?

The phone number 303-532-3737 is linked to BC Services, a debt collection agency in Longmont, Colorado. People have left various feedback and comments, mainly discussing their experiences with the agency. Many report issues such as harassing calls, automated messages, and attempts to collect debts that were either not owed or already settled. To resolve these problems, some individuals have found success by contacting a consumer law firm or filing a complaint with the Consumer Financial Protection Bureau (CFPB). It’s essential for consumers to know their rights under the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws when dealing with debt collection agencies like BC Services. By understanding their rights, individuals can better protect themselves from harassment and potential violations.