3182213695

What Company Is Calling Me From 3182213695 And Why Are They Calling? Are They A Debt Collector?

The company calling you from 318-221-3695 is Wakefield & Associates, a debt collection agency based in Aurora, Colorado. They work on behalf of various businesses to collect debts. If they are calling you, it is likely because they are attempting to collect a debt from you on behalf of one of their clients.

To address this situation and potentially remove the collection account from your credit report, follow these steps. First, request your credit reports from Equifax, Experian, and TransUnion through AnnualCreditReport.com. Carefully review these reports for any errors or inaccuracies related to the collection account.

If you find any errors or inaccuracies, you can dispute the information with both the credit reporting company and the company that provided the information. This can be done online, by mail, or by phone. Make sure to provide contact information, your credit report confirmation number (if available), and a detailed explanation of the error with supporting documents.

If you have already paid the collection account, you can also request a goodwill deletion from Wakefield & Associates as a gesture of goodwill. However, there is no guarantee they will grant this request. After disputing the account or requesting a goodwill deletion, monitor your credit reports to ensure that the account is removed if the dispute or request is successful.

Please note that collection accounts generally stay on credit reports for seven years from the time the account first went delinquent, even if it has been paid in full. However, by actively disputing errors and inaccuracies, you can potentially remove the collection account sooner and improve your credit score.

How Can I Block Or Stop Calls From 3182213695?

If you want to block or stop calls from 3182213695, there are steps you can take. First, validate the debt’s legitimacy if it is a collection company. Request written confirmation and carefully review the validation for accuracy. If any information is incorrect, send a written dispute to the collection agency, citing the Fair Credit Reporting Act and demanding removal of the collection tradeline from your credit file.

Once the debt is verified as valid, there are active measures you can consider to potentially remove it. One option is to negotiate a pay-for-delete agreement with the collection agency, settling the debt in exchange for its removal. Another approach is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, it’s important to note that without a formal agreement, the agency is not obligated to remove the debt.

You may also choose to hire a credit repair service that can formally dispute the debt on your behalf and provide legal resources to assist in its removal. Alternatively, you can wait until the 7-year credit reporting time limit expires, at which point the collection should automatically fall off your report. If the collector 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 remedies.

Remember to keep detailed written records of your efforts to resolve the disputed collection account throughout this process. By proactively validating debts, negotiating with collectors, and asserting your rights, you can increase your chances of successfully removing collections from your credit report. Always prioritize verifying the legitimacy of the debt before taking any action.

What Are My Rights As A Consumer Regarding Calls From 3182213695 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, under the Fair Debt Collection Practices Act (FDCPA), you have rights when it comes to calls from the number 3182213695. If the caller is violating the FDCPA, there are steps you can take to protect yourself and seek assistance.

To document potential FDCPA violations, keep a record of important information such as the date, time, frequency, phone number, and details of each call. This will help establish a record of any harassment or other violations. Pay attention to whether they call outside the permitted hours of 8am – 9pm in your time zone and if they repeatedly call within a short period. Also, make note of any abusive, threatening, or obscene language used during the calls.

To assert your rights, you can withdraw any previous consent you may have given for them to call outside normal hours by sending a written request. If your workplace does not allow these calls, formally ask them to stop contacting you there. You can also send a certified letter requesting that they cease all phone contact, and during any conversation, verbally request that they stop calling.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau along with the documentation you have gathered. It may also be beneficial to consult with a consumer protection attorney who can provide guidance on your specific rights and options, including the possibility of pursuing damages through legal action. Additionally, you can seek guidance from your state Attorney General’s office and consult with an experienced credit counselor for advice on addressing the debt without facing further collection calls.

Remember to maintain detailed records of all communication with debt collectors and assert your rights to prevent further harassment. Consider using IdentityIQ to monitor your credit and detect any potential issues by obtaining a 3 bureau credit report.

If Company From 3182213695 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company associated with the phone number 3182213695 is a debt collector, you have options for validating the debt and dealing with it effectively. Start by sending a debt validation letter to the collector, requesting written validation of the debt as required by the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation provided to ensure accuracy of your personal details, creditor name, account number, and amount owed.

Once the debt is validated, you can explore different approaches to handle it. You may negotiate a lump-sum settlement or a payment installment plan in writing before making any payment. Consider offering a partial payment of 30-50% of the balance and requesting removal from your credit report in return. If the collector violates FDCPA regulations during collection, assert your rights under the Act. Seeking guidance from a non-profit credit counseling agency can also prove beneficial in negotiating debt resolution.

In addition, consulting with an attorney can offer insight into possible options such as bankruptcy or legal action against the collector. Keep detailed records of all correspondence and phone calls to address any potential complaints. Be sure to revoke any prior verbal or written permission granted to contact you outside the FDCPA guidelines.

Remember not to ignore a potential debt collector. Validate the debt and exercise your consumer rights before determining the best path to resolve it. Seeking help from professionals will ensure a fair outcome. Pulling your credit report from IdentityIQ may provide a comprehensive overview of your debts and financial standing, aiding you in making informed decisions.

Can The Company From 3182213695 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 3182213695 is a legitimate debt collector, they have the potential to sue you and garnish your wages or bank accounts in order to collect the debt. To avoid legal action, you can negotiate with the collector for an affordable payment plan, making sure to get any agreements in writing. You can also assert your inability to pay and request that the collector cease contact, although this may not prevent a lawsuit.

Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can help you navigate the situation and understand your protections under the FDCPA and state law. Before agreeing to settle, carefully evaluate whether the proposed payment plan is realistically affordable based on your budget. Have any settlement terms or agreements in writing before making payments, as the collector still has the option to sue you if you default on the settlement.

Settling can be a sensible option to avoid legal action, but it’s important not to agree to payments that you can’t realistically maintain. Seek assistance from professionals who can help you understand your rights and options before making any decisions.

If 3182213695 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 3182213695 is a collection company, the first step you should take is to validate the debt by requesting written confirmation. Carefully review the validation to ensure that your personal information and the debt details are accurate. If you find any incorrect information, send a written dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act. Demand that they remove the collection tradeline from your credit file.

If the collector verifies the debt as valid, there are several active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing. Offer a lump-sum settlement and request removal in exchange. Alternatively, you can offer a good faith partial settlement payment and ask for deletion as a gesture of goodwill, although the collector has no obligation to remove it without a formal agreement.

You may also consider hiring a credit repair service to formally dispute the debt on your behalf. They can provide legal resources to assist you in getting it removed. Additionally, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector refuses to remove inaccurate information and violates laws, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to determine if legal action is necessary. Keep detailed written records of your efforts to resolve the disputed collection account.

By verifying debts, negotiating with collectors, and asserting your rights, you can increase the chances of removing collections from your credit report. However, it’s crucial to first confirm the legitimacy of the debt before taking any action.