315-724-2369

What Company Is Calling Me From 315-724-2369? Are They A Scam And Why Are They Calling Me?

The company calling from phone number 315-724-2369 is A C S Education Service, located in Utica, New York. They operate in the Educational Services industry and there is no evidence to suggest they are a scam or a telemarketer. Always exercise caution when receiving unsolicited calls. If you are unsure about the reason for their call, reach out to them directly for more information.

To avoid unwanted calls, block the number through your phone carrier, call blocking apps, or smartphone settings. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) if the call is related to a debt. If the debt is legitimate, request debt validation, negotiate a settlement, and assert your rights under the FDCPA. Legal action may be necessary, so consult an attorney for guidance.

Monitor your credit report to ensure the debt’s legitimacy and consider negotiating a pay-for-delete agreement with the creditor. If you need assistance with credit repair, consult credit repair services. Be aware that there are mixed reviews on ACS Education Service’s phone number, with some complaints about their calling practices.

How Can I Block Or Stop Calls From 315-724-2369?

To block or stop calls from 315-724-2369, first identify if it is a debt collector by letting unknown calls go to voicemail. Once identified, contact your phone carrier to block the number permanently. 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.

Get help addressing the underlying debt by consulting a non-profit credit counselor to negotiate resolution. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 315-724-2369 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 315-724-2369 may be violating the Fair Debt Collection Practices Act (FDCPA) if you’re experiencing abusive or harassing calls. To document any potential violations, maintain a record of the date, time, frequency, phone number, and details of all calls. Take note if they call outside the allowed hours (8 am – 9 pm in your time zone) or use abusive language.

To protect your rights, you can revoke any prior consent for calls outside normal hours, request them to stop calling your workplace, send a cease and desist letter, or verbally request them to stop calling during any conversation. If you believe the collector is violating the FDCPA, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. Remember, collectors must adhere to the FDCPA when contacting you, so be sure to assert your rights and maintain detailed records to prevent further harassment.

If 315-724-2369 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, you should confirm if 315-724-2369 is indeed a debt collector. If it is, you must validate the debt they are claiming you owe. To do this, send a debt validation letter by mail, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once you’ve confirmed the debt is valid, consider your options. You can negotiate a settlement or payment plan with the collector in writing. If you can only afford a partial payment, offer 30-50% of the balance and request the deletion from your credit report in exchange.

It’s crucial to know your rights under the FDCPA and enforce them if the collector violates any regulations. You can consult a non-profit credit counseling agency for guidance on debt resolution or speak to an attorney to discuss bankruptcy or legal action against the collector.

Maintain detailed records of all correspondence and calls for potential complaints. If the number is causing you distress, block it through your phone carrier, call blocking apps, or smartphone settings. Be cautious with unsolicited calls and report any potential scams or telemarketers.

In conclusion, 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 315-724-2369 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector from the number 315-724-2369, it’s crucial to know your rights and options. If the debt is genuine, the collector could potentially sue you to recover the amount owed. If they get a court judgment, your wages or bank accounts could be garnished.

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 inability to pay and request they cease contact. This may prevent suit, 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. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure 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. Remember, it’s essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and to be cautious with unsolicited calls.

If 315-724-2369 Is A Collection Company, How Can I Remove It From My Credit Report?

First, find out if 315-724-2369 is indeed a collection company. Request written confirmation of the debt, and review it carefully for accuracy. If there are errors, dispute the debt in writing as per the Fair Credit Reporting Act.

If the debt is valid, consider these actions to potentially remove it:

1. Negotiate a pay-for-delete agreement with the collector to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a goodwill gesture.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources.
4. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector breaks laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.
7. Keep detailed written records of your efforts to resolve the disputed collection account.

Remember, always focus on validating the debt first before taking action.

What Feedback And Comments Do People Leave About 315-724-2369?

People have left mixed feedback about the phone number 315-724-2369, which belongs to ACS ED SVCS, a loan company for student loans. Some individuals have praised the company for their helpfulness in resolving student loan issues, while others have expressed annoyance due to frequent and untimely calls. The company has been reported to call at odd hours and some individuals find the calling practices intrusive and inconvenient.

Ultimately, the feedback on the phone number 315-724-2369 is mixed, with some people appreciating the company’s assistance in addressing student loan concerns and others frustrated by the company’s calling practices. ACS Education Services is a loan company located in Utica, New York, and there is no evidence of the number being a scam or telemarketer. However, it is essential to be cautious with unsolicited calls.

To manage unwanted calls, consider blocking the number through your phone carrier, call blocking apps, or smartphone settings. Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and assert them if necessary. If the debt is legitimate, consider taking legal action, such as negotiating a settlement or seeking attorney guidance. Additionally, focus on credit report validation to ensure the debt’s legitimacy and negotiate a pay-for-delete agreement with the credit bureau.

In a nutshell, feedback about the phone number 315-724-2369 is a combination of positive and negative experiences. While some appreciate the company’s assistance, others are displeased with the calling practices. To handle this, block the number, understand your rights under the FDCPA, and take appropriate legal action if the debt is legitimate.