313-209-4188

What Company Is Calling Me From 313-209-4188? Are They A Scam And Why Are They Calling Me?

First National Collection Bureau is the company calling from 313-209-4188. They are a debt collection agency, and their calls are considered a scam. They violate the Telephone Consumer Protection Act (TCPA) by using an automatic dialer without permission. The reason for these calls is typically debt collection, but using an automatic dialer without consent is against the law. To protect yourself, block the number and consider taking legal action under the TCPA if you continue to receive unwanted calls.

How Can I Block Or Stop Calls From 313-209-4188?

To stop calls from 313-209-4188, first determine if it’s a debt collector by letting unknown calls go to voicemail and checking messages. If it is, contact your phone carrier to permanently block the number. You can also 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. Next, send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that require 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. Consult a non-profit credit counselor to help negotiate resolution of the debt and speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Monitor voicemail for messages from the identified collector and take action accordingly. Blocking calls won’t eliminate any debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 313-209-4188 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the number 313-209-4188, it’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). This act protects you from unfair debt collection practices. To document any potential FDCPA violations, maintain a record of the date, time, frequency, phone number, and details of all calls. Note if they call outside the allowed hours of 8 am – 9 pm in your time zone. Track if they repeatedly call over a short period, such as more than 2-3 times per week. Log any abusive, threatening, or obscene language used on calls.

To protect your rights, you can revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace if prohibited by your employer, send a cease and desist letter via certified mail demanding no further contact by phone, and verbally request they stop calling during any conversation.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. You can also ask an experienced credit counselor how to address the debt without incurring further collection calls.

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

If 313-209-4188 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 313-209-4188 and suspect it to be from a debt collector, first ensure it is a debt collector by letting unknown calls go to voicemail and checking the messages. If it is a debt collector, understand your rights under the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

To validate the debt, formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA. Carefully review the validation for accuracy and dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider these options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring a potential debt collector. Confirm if the debt is valid 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 313-209-4188 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is legitimate, they can sue you to recover the owed amount. If they win a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can negotiate affordable payments, assert your inability to pay, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming. Before deciding to settle, assess the affordability of the payment plan, ensure any settlement terms are in writing, and be aware that a collector can still sue if you default on a settlement. Settling might be a good option to avoid legal action, but don’t agree to payments you can’t maintain. Seek help to understand your options and rights before making any decisions.

If 313-209-4188 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm if 313-209-4188 is a legitimate collection company by requesting written proof of the debt. Examine the details thoroughly to ensure accuracy. If any information is incorrect, dispute the debt in writing, citing the Fair Credit Reporting Act, and request removal from your credit report.

If the debt is valid, explore options such as a pay-for-delete agreement, offering a good faith partial payment, or hiring a credit repair service to assist with the dispute. Alternatively, wait for the 7-year credit reporting time limit to pass, file a complaint with the Consumer Financial Protection Bureau, or consult a consumer law attorney to pursue removal and damages. Maintain detailed records of your efforts to resolve the issue, and be persistent in your actions to successfully remove the collection company from your credit report.

What Feedback And Comments Do People Leave About 313-209-4188?

People have left various feedback and comments about 313-209-4188, a phone number associated with the First National Collection Bureau, a debt collection agency. Many users have reported receiving multiple calls throughout the day, some without anyone speaking and others resulting in hang-ups. Users have accused the agency of violating the Telephone Consumer Protection Act (TCPA) by making automated calls to mobile phones without permission.

To address these issues, users should first identify if the unknown call is from a debt collector by letting it go to voicemail and checking the messages. If it is indeed a debt collector, consider blocking the number using your phone carrier, call blocking apps, or smartphone settings.

Additionally, users can send a cease and desist letter via certified mail and consult state-specific laws to better understand their rights. For more guidance, consider seeking help from a non-profit credit counselor or consumer protection attorney to address the underlying debt.

Lastly, it is crucial to monitor voicemail messages from identified collectors and take action accordingly. By understanding your rights under the Fair Debt Collection Practices Act (FDCPA) and documenting all debt collection calls, you can assert your rights, revoke consent, and send a cease and desist letter to the collector.