3123804059

What Company Is Calling Me From 3123804059 And Why Are They Calling? Are They A Debt Collector?

If you’ve been receiving calls from 312-380-4059, it’s Harris & Harris Ltd. reaching out to you. They are a debt collection agency based in Chicago, Illinois, offering their services to a range of entities like healthcare providers, utility companies, and government agencies.

However, it’s important to be aware that there have been multiple complaints about Harris & Harris Ltd.’s tactics being abusive, annoying, and deceptive when contacting debtors. Some reported violations include persistent calls throughout the day, contacting debtors at inappropriate times like early mornings or late nights, reaching out to debtors at their workplace despite requests not to, and even involving friends, family, and neighbors regarding the debt.

Furthermore, they have faced accusations of making empty threats to sue or garnish wages and attempting to collect more money than actually owed. If you believe that Harris & Harris Ltd. is contacting you about a debt that doesn’t belong to you, the Fair Debt Collection Practices Act provides you with certain rights.

You can inform them to stop calling you and request that all communication be done through mail. If they continue calling after being instructed to stop, you may have grounds to take legal action against them and potentially receive compensation of up to $1,000 per violation. It is advisable to keep records of any calls and report any violations of debt collection laws to the Federal Trade Commission (FTC). Seeking guidance from a consumer rights attorney can also be beneficial in putting an end to any harassment and illegal practices.

How Can I Block Or Stop Calls From 3123804059?

If you are receiving calls from the number 3123804059 and suspect it is a debt collector, it is essential to validate the debt before proceeding further. To do this, formally request written validation of the debt by sending a debt validation letter. Under the FDCPA, the collector is obligated to provide this information. When reviewing the validation, carefully check for accuracy in your personal details, creditor name, account number, and amount owed. If you come across any incorrect or unfamiliar information, dispute it in writing and request its removal from your credit report.

Once the debt has been validated, you have various options for addressing it. Before making any payments, consider negotiating a reasonable lump-sum settlement or payment installment plan. If financially feasible, you may offer a partial payment of 30-50% of the balance and request removal from your credit report in return. It is also crucial to assert your rights under the FDCPA if the debt collector violates any regulations during the collection process. Seeking guidance from a non-profit credit counseling agency can be beneficial in negotiating debt resolution. Additionally, consulting an attorney can provide a better understanding of whether bankruptcy or legal action against the collector are viable options. Remember to keep detailed records of all communication and calls for potential complaints and consider revoking any prior permission given to contact you outside of FDCPA guidelines.

In conclusion, never ignore a potential debt collector. Take the necessary steps to validate the debt and exercise your consumer rights under federal and state law

What Are My Rights As A Consumer Regarding Calls From 3123804059 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have specific rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 3123804059. To ensure you have evidence of any potential FDCPA violations, it is important to document important details such as the date, time, frequency, phone number, and specifics of each call. By doing so, you can establish a record of potential harassment or other violations. Violations may occur if the calls are made outside the permitted hours of 8am-9pm in your time zone (unless you have given consent for other hours).

To assert your rights, there are several steps you can take. You can revoke any prior consent given to receive calls outside normal hours in writing. If your workplace does not allow calls, you can formally request that the collector stop contacting you there. Another option is to send a cease and desist letter via certified mail, demanding that they refrain from further phone contact. Additionally, during any conversation, you can verbally ask them to stop calling.

If you suspect that FDCPA violations have taken place, it is crucial to seek assistance and take appropriate action. You can report any violations, providing documentation, to the Consumer Financial Protection Bureau, which will initiate an investigation into the matter. Consulting a consumer protection attorney can provide valuable insights into your specific rights and options, including the possibility of suing for damages. Contacting your state Attorney General’s office can also offer guidance if you believe

If Company From 3123804059 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 3123804059 is a debt collector, it’s important to validate the debt before taking any further steps. To do this, you should send a debt validation letter through mail to the collector. They are legally required to provide written validation according to the Fair Debt Collection Practices Act (FDCPA). Make sure to carefully review the validation they provide for accuracy. Check if your personal details, creditor name, account number, and amount owed are correct. If you notice any incorrect or unrecognized information, dispute it in writing and request its removal from your credit report.

Once the debt has been validated, you have a few options for dealing with it. You can negotiate a reasonable lump-sum settlement or a payment installment plan. It’s crucial to get any agreements in writing before making any payments. If you can afford it, you can offer a partial payment of around 30-50% of the balance and ask for deletion from your credit report in return. If the debt collector violates any regulations during the collection process, you have the right to assert your rights under the FDCPA. Seek guidance from a non-profit credit counseling agency for assistance in negotiating debt resolution. Additionally, consider consulting an attorney to explore options like bankruptcy or legal action against the collector. To keep a clear record, make sure to document all correspondence and phone calls for potential complaints. Also, revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, don’t ignore a potential debt collector. Validate the debt and exercise your consumer rights before deciding on the best course of action. Seeking help from professionals will ensure a fair outcome in resolving your debt situation.

Can The Company From 3123804059 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

Can The Company From 3123804059 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If 3123804059 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 3123804059 is a collection company, it’s important to take steps to remove it from your credit report. To start, send a debt validation letter to the collector, requesting written proof of the debt as required by the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation they provide, checking for any inaccuracies or unfamiliar information. If you find discrepancies, dispute them in writing and ask for their removal from your credit report.

Once the debt is validated, you have various options for addressing it. You can negotiate a lump-sum settlement or a payment installment plan with the collector, but be sure to get the agreement in writing before making any payments. If feasible, you may offer a partial payment of 30-50% of the balance and request its deletion from your credit report. It’s also worth knowing your rights under the FDCPA and taking action if the collector violates any regulations. Seeking guidance from a non-profit credit counseling agency can help you navigate debt resolution negotiations. If necessary, consulting an attorney can provide insight into options like bankruptcy or legal action against the collector. Keep thorough records of all communication and calls to support any potential complaints, and remember to withdraw any previous consent given to the collector for contacting you outside FDCPA guidelines.

In summary, don’t ignore a potential debt collector. Validate the debt, exercise your consumer rights, and consider seeking professional assistance for a fair resolution. Take action to safeguard your financial well