303-954-4916

What Company Is Calling Me From 303-954-4916? Are They A Scam And Why Are They Calling Me?

The company calling from 303-954-4916 is Wakefield Associates, a debt collection agency. They have been reported for unprofessional behavior and potential scam tactics. To verify their legitimacy and protect your rights, request written evidence of the debt, send a letter if they are trying to collect from the wrong person, and follow FDCPA guidelines. Consult consumer protection attorneys and credit counselors for guidance on debt resolution and legal action. Monitor calls, document details, and negotiate settlement terms. Understand potential legal consequences and options for credit repair and removal of collection accounts.

How Can I Block Or Stop Calls From 303-954-4916?

To block or stop calls from 303-954-4916, which is associated with debt collection agency Wakefield Associates, follow these steps. First, identify if it is a debt collector by letting unknown calls go to voicemail and not answering them directly. Once you identify the calls as coming from a debt collector, block the number by contacting your phone carrier, using call blocking apps like Nomorobo or Hiya, or setting contacts not in your address book to go straight to voicemail.

Next, formally request no further contact by sending a cease and desist letter via certified mail. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice, and 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.

To address any underlying debt, consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 303-954-4916 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the number 303-954-4916, associated with Wakefield Associates, it’s important to know your rights under the Fair Debt Collection Practices Act (FDCPA). To document potential FDCPA violations, keep track of the date, time, frequency, phone number, and details of all calls. Note if they call outside of the allowed hours of 8am-9pm in your time zone, if they repeatedly call over a short period, or if they use abusive language during the calls.

To assert your rights, revoke any prior consent given to call outside normal hours, request them to cease contact at your workplace if prohibited, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation. If you believe there have been violations, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also seek assistance from an experienced credit counselor on how to address the debt without incurring further collection calls.

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 303-954-4916 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 303-954-4916 is a debt collector, you can validate the debt by requesting written validation from them. This is a legal requirement under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, disputing any incorrect or unrecognized information and requesting removal from your credit report.

Once the debt is validated, consider your options. You can negotiate a lump-sum settlement or payment installment plan, offer partial payment, or assert your rights under the FDCPA if the collector violates regulations. Consulting a non-profit credit counseling agency or attorney can help guide you through debt resolution and potential legal action.

Keep detailed records of all correspondence and calls, and revoke any prior permission given to the collector if they contact you outside FDCPA guidelines. Remember, never ignore a potential debt collector, and always confirm the debt’s validity and exercise your consumer rights before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 303-954-4916 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 303-954-4916 is a debt collector attempting to recover a legitimate debt, they could potentially sue you and garnish your wages if they obtain a court judgment. To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to demonstrate your good faith effort to pay.
2. Assert your inability to pay and request they cease contact, which may prevent legal action, but they could still proceed.
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; consult with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt for a clear record.

Before agreeing to settle, carefully consider:

1. Ensure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

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 303-954-4916 Is A Collection Company, How Can I Remove It From My Credit Report?

If 303-954-4916 is a debt collection company, the first step is to validate the debt by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and 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 provide legal resources to assist in getting it removed is another option.

Waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report is another potential solution. Filing a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information is also an option. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another step to consider.

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

What Feedback And Comments Do People Leave About 303-954-4916?

People often leave negative feedback about the phone number 303-954-4916, which is associated with Wakefield Associates, a debt collection agency. Common complaints include rude staff, lack of identification, calling the wrong person, use of process servers, overseas contract employees, constant harassing calls, inaccurate records, and unprofessional behavior. However, it’s crucial to remember that these comments do not reflect everyone’s experience with the agency. To have a positive experience, consumers should confirm the legitimacy of the agency, adhere to proper debt collection guidelines, consult with consumer protection attorneys and credit counselors, and closely monitor calls to safeguard their rights and interests.