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What Company Is Calling Me From 7864695200 And Why Are They Calling? Are They A Debt Collector?

The company calling from 786-469-5200 is the Finance Department of Miami-Dade County. They are responsible for collecting outstanding debts owed to the county. They are not a traditional debt collector, but rather a government entity focused on recovering funds owed to Miami-Dade County.

Before providing any payment or personal information, it is important to verify the debt. Request validation of the debt in writing to ensure its legitimacy before taking any further action. It is essential to be cautious and not provide any personal details or make payments until the validity of the debt is confirmed.

If the calls from this number become threatening or harassing, it is recommended to report them to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), Better Business Bureau (BBB), and your state attorney general. Taking these steps can help protect your rights and ensure that you are not being taken advantage of in any way.

How Can I Block Or Stop Calls From 7864695200?

If you’re receiving unwanted calls from the number 7864695200 and suspect it’s a debt collector, there are steps you can take to block or stop these calls. To begin, let unknown calls go to voicemail and avoid answering them directly. Debt collectors often leave messages indicating their intention to collect a debt.

To block further calls, contact your phone carrier and request a permanent block on the number. Major carriers usually provide call blocking services through customer support or online accounts. You can also consider using call blocking apps like Nomorobo or Hiya, which automatically filter and block unwanted numbers at the network level. On smartphones, you have the option to set contacts not in your address book to go straight to voicemail or be blocked.

If you wish to formally request no further contact from the debt collector, send a cease and desist letter via certified mail. This letter demands that they stop making further calls. Remember to check your state’s laws beyond the Fair Debt Collection Practices Act (FDCPA) as they may have additional regulations regarding collection calls without written notice. Be sure to include these rights in your cease and desist letter.

In addition to blocking calls, it’s important to address the underlying debt. Seek guidance from a non-profit credit counselor who can assist in negotiating a resolution with the collector. If the debt collector violates regulations, consider consulting a consumer protection attorney to understand your rights and explore potential lawsuits. It’s crucial to regularly check your voicemail for messages from identified collectors, as blocking calls does not eliminate legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 7864695200 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), as a consumer, you have specific rights when it comes to calls from 7864695200. To determine if they are violating the FDCPA, keep a record of the date, time, frequency, phone number, and details of all calls. If they call you outside the allowed hours of 8am – 9pm in your time zone without your consent, consider it as a potential violation. It’s also important to document repeated calls in a short period or any use of abusive language.

To exercise your rights, you can revoke any prior consent given to be contacted outside normal hours by submitting a written request. If they are contacting you at your workplace, despite it being prohibited by your employer, formally ask them to stop contacting you there. You can also send a cease and desist letter through certified mail, explicitly stating that you do not want any further contact via phone. During any conversation, feel free to verbally request that they cease calling you.

If you believe there are violations, report them along with your documented evidence to the Consumer Financial Protection Bureau. This will initiate an investigation into the matter. It is advisable to consult with a consumer protection attorney who can provide guidance on your rights and options, such as the possibility of suing for damages. Additionally, reach out to your state Attorney General’s office for further assistance if you suspect any FDCPA violations. Seeking advice from a knowledgeable credit counselor can also help you address the debt while avoiding additional collection calls. Remember to maintain detailed records and assert your rights to prevent harassment from debt collectors.

If Company From 7864695200 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company from 7864695200 is a debt collector, it’s important to validate the debt. To do so, you can request written validation of the debt through a debt validation letter. The collector must provide this information as required by the Fair Debt Collection Practices Act (FDCPA). Review the validation carefully, checking for accuracy in your personal details, creditor name, account number, and amount owed. If you find any incorrect or unfamiliar information, dispute it in writing and ask for removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. One option is to negotiate a reasonable lump-sum settlement or payment installment plan before making any payments. If you’re able to, you can offer a partial payment of 30-50% of the balance and request 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. For guidance on negotiating debt resolution, it’s advisable to consult a non-profit credit counseling agency. If necessary, it may be wise to contact an attorney to explore options such as bankruptcy or legal action against the collector. Keep detailed records of all communication and calls to potentially file complaints later. Additionally, remember to revoke any prior verbal or written permission given to contact you outside the guidelines of the FDCPA.

Never ignore a potential debt collector. Validate the debt, exercise your consumer rights under federal and state law, and seek assistance from professionals to ensure a fair resolution. To obtain a comprehensive view of your credit information, consider pulling a three-bureau credit report through IdentityIQ.

Can The Company From 7864695200 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you find yourself in a situation where a debt collector from the company with the number 7864695200 is pursuing legal action, it is crucial to understand your rights and options. They have the ability to sue you and potentially garnish your wages or bank accounts if they obtain a court judgment. To prevent this, it is recommended to negotiate affordable payment plans in writing, either as a lump sum or in installments, to demonstrate your willingness to pay. However, it’s important to note that even if you assert your inability to pay and request them to stop contacting you, it may not necessarily prevent a lawsuit.

To navigate this situation effectively, seeking guidance from a non-profit credit counselor or a consumer law attorney is highly beneficial. They can help you understand your protections under the FDCPA (Fair Debt Collection Practices Act) and state law, which prohibit unreasonable lawsuits. It is crucial to keep a detailed record of all calls, letters, and attempts made to address the debt, as documentation plays a vital role in maintaining a clear record of your efforts.

Before agreeing to any settlement offer, it is imperative to assess if the proposed payment plan aligns with your budget and is realistically affordable for you. It is also essential to ensure that any settlement terms or agreements are put in writing before making any payments. Keep in mind that defaulting on a settlement can still lead to legal action from the debt collector. Thus, it is advisable to seek assistance, understand your rights and options thoroughly, and consider pulling your 3-bureau credit report from IdentityIQ to gain a comprehensive understanding of your financial situation and explore potential solutions.

If 7864695200 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you are receiving calls from the number 7864695200 and it is a collection company, there are steps you can take to potentially remove it from your credit report. First, request written confirmation to validate the debt and carefully review the information for accuracy. If you find any inaccuracies, send a written dispute to the collection agency stating that the debt is incorrect according to the Fair Credit Reporting Act. Demand that they remove it from your credit file.

If the debt is confirmed as valid, you have a few options to consider. You can negotiate a pay-for-delete agreement in writing, where you offer a partial settlement payment in good faith. Another option is to hire a credit repair service to dispute the debt on your behalf. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

In case the collection agency violates laws or refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney for potential legal action. It’s crucial to keep detailed records of your efforts to resolve the disputed collection account. By being proactive and asserting your rights, you may successfully remove the collection from your credit report. However, always make sure to confirm the legitimacy of the debt before taking any actions.