303-652-5869

What Company Is Calling Me From 303-652-5869? Are They A Scam And Why Are They Calling Me?

The number 303-652-5869 is associated with Wakefield and Associates, a debt collection agency in Aurora, Colorado. Users have reported receiving robocalls from this number, raising concerns about potential scams. Although there is no concrete evidence, it is possible that these calls are from a legitimate debt collector using aggressive tactics. To confirm the debt and address it, contact the original creditor. If the calls are unwanted or harassing, block the number or report it to your carrier or the Federal Trade Commission (FTC).

To identify if the call is from a debt collector, block the number, and set unknown callers to voicemail. Additionally, you can send a cease and desist letter, document all calls, and consult a non-profit credit counselor or attorney for guidance. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and its protections and rights, and report any potential violations. Request debt validation, negotiate a settlement or payment plan, and maintain detailed records of your efforts to resolve the disputed collection account. If the debt is legitimate, consider potential legal action and take steps to avoid legal action. Finally, validate the debt’s authenticity, dispute any incorrect information, and negotiate pay-for-delete agreements to resolve the issue.

How Can I Block Or Stop Calls From 303-652-5869?

To block or stop calls from 303-652-5869, first determine if it’s a debt collector. If so, contact your phone carrier to permanently block the number. Alternatively, use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Consult a non-profit credit counselor to help negotiate resolution of the debt. If the collector violates regulations, consider speaking to a consumer protection attorney regarding your rights and potential lawsuits. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 303-652-5869 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 303-652-5869 is associated with Wakefield and Associates, a debt collection agency. If you believe that this number is violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to understand your rights and take action to protect yourself.

First, document the date, time, frequency, and details of all calls from the number. Ensure that the calls are not outside the allowed hours of 8 am to 9 pm in your time zone and that they do not call excessively or use abusive language.

Next, assert your rights by revoking any prior consent given for calls outside normal hours, formally requesting they cease contact at your workplace, and sending a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation.

If you suspect FDCPA violations, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. Additionally, you can ask a credit counselor for assistance in addressing the debt without incurring further collection calls.

Always remember that debt collectors must adhere to the FDCPA when contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 303-652-5869 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 303-652-5869 and it’s a debt collector, it’s crucial to validate the debt and know your options. First, ask for written validation of the debt by sending a debt validation letter to the collector. They must provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once you have the debt validation, review it carefully. Dispute any incorrect or unrecognized details in writing and request removal from your credit report. If the debt is valid, consider negotiating a reasonable settlement or payment plan before sending any payment. Offering a partial payment (30-50% of the balance) with a request for deletion from your credit report can be a good strategy.

If the collector breaks FDCPA rules, assert your rights. Consult a non-profit credit counseling agency for help with debt resolution. If needed, contact an attorney to explore bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls for potential complaints.

Revoking any prior permission given to contact you outside FDCPA guidelines is also a good step. The key is to confirm the debt’s authenticity and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 303-652-5869 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 303-652-5869 is a debt collector, they have the legal right to sue you or garnish your wages if you owe them money. To prevent this, it’s best to communicate with them and negotiate a payment plan that works for both parties. If you’re struggling to pay, consider seeking help from a credit counselor or consulting a consumer law attorney. Ensure any settlement terms are in writing and only agree to a settlement if it’s affordable and fair. Be cautious of scams and report any suspicious calls to the FTC. Taking these steps can help protect your financial interests and avoid legal action.

If 303-652-5869 Is A Collection Company, How Can I Remove It From My Credit Report?

If 303-652-5869 is a collection company, you should first verify the debt they are claiming. Request a written confirmation from the original creditor to ensure the debt is accurate. If there are any inconsistencies, submit a written dispute to the collection agency, citing that the debt is inaccurate under the Fair Credit Reporting Act. They must then remove the collection entry from your credit record.

If the debt is genuine, you can attempt to negotiate a pay-for-delete agreement in writing, settling the debt in exchange for removal. Alternatively, offer a goodwill partial payment and request deletion. Engaging a credit repair service to dispute the debt on your behalf is another choice.

Another option is to wait for the 7-year credit reporting time frame to pass, as collection accounts will automatically be removed from your report after this period. If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau, or consult a consumer law attorney to explore the possibility of suing for removal and damages.

Throughout the process, maintain detailed written records documenting your efforts to resolve the contested collection account. By validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 303-652-5869?

People have left mixed reviews about 303-652-5869, with some considering it a nuisance call or telemarketer. Wakefield and Associates, the associated debt collection agency, has been reported for multiple calls, sometimes at the same time each day. Users have also mentioned receiving calls from different representatives and not owing any debts. In some cases, the number has been added to a spam contact list to avoid further calls. No positive feedback is present.

If you receive calls from this number, first verify the debt with the original creditor. If you believe the calls are unwanted or harassing, block the number or report it to your carrier or the FTC. To protect yourself from potential scams, identify if the call is from a debt collector and block the number. Set unknown callers to voicemail and send a cease and desist letter to the debt collector. Document all calls and consider consulting a non-profit credit counselor or attorney for assistance.

Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and report any potential violations. Request debt validation, negotiate a settlement or payment plan, and keep detailed records of your efforts to resolve the disputed collection account.

If the debt is legitimate, consider taking legal action to protect your rights and avoid further harassment. Additionally, validate the debt authenticity, dispute any incorrect information, and negotiate pay-for-delete agreements with the debt collector. Maintain detailed records of your efforts to resolve the disputed collection account and consult with professionals if necessary.