319-242-7350

What Company Is Calling Me From 319-242-7350? Are They A Scam And Why Are They Calling Me?

The phone number 319-242-7350 is for The CBE Group, a debt collection agency. They might call about a debt you owe. The CBE Group is legitimate, but their methods could seem like a scam. They are debt collectors, not telemarketers, and call about a debt on your credit report or one they bought for collection. They contact you because you likely owe a debt that was transferred to The CBE Group for collection.

Ultimately, it’s essential to verify if the call is legitimate by sending a cease and desist letter, blocking the number, and reporting any violations. Under the Fair Debt Collection Practices Act, you have rights and can negotiate a settlement, payment plan, or dispute the debt. If they sue, consider legal action or bankruptcy. Keep records and prioritize verifying the debt’s legitimacy before taking any action.

How Can I Block Or Stop Calls From 319-242-7350?

To stop or block calls from the number 319-242-7350, first, determine if it’s a debt collector. Let the call go to voicemail and do not answer. If it’s a debt collector, block the number using your phone carrier or a call blocking app. Then, send a cease and desist letter, keeping records of the calls. Consult a credit counselor or attorney for debt resolution and understanding your rights. If the debt is valid, negotiate a settlement or payment plan, or dispute the debt under the Fair Debt Collection Practices Act. If the debt collector continues violating your rights, consider legal action or filing for bankruptcy.

Is 319-242-7350 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from the number 319-242-7350, it’s crucial to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). This law is designed to protect consumers from abusive or harassing debt collection practices. To ensure your rights are being respected, document the details of each call, including the date, time, frequency, and phone number. If they call outside of the allowed hours or use abusive language, revoke consent for those calls and request them to stop.

If you suspect that your rights are being violated, report the issue to the Consumer Financial Protection Bureau or your state Attorney General’s office. Another option is to consult a consumer protection attorney who can guide you through your rights and options. Keep records of all communication and prioritize verifying the legitimacy of the debt before taking any further action.

If 319-242-7350 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt at 319-242-7350, first request written validation from the debt collector, CBE Group. Carefully review the information provided and dispute any incorrect details. You can negotiate a settlement or payment plan in writing, offer partial payment, or assert your rights under the Fair Debt Collection Practices Act (FDCPA). Consult a credit counselor for guidance or contact an attorney for legal action. Keep records of all communication and revoke permission for improper contact. Ultimately, it’s crucial to prioritize verifying the debt’s legitimacy before taking further action.

Can 319-242-7350 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 319-242-7350 is a debt collector, they have the legal right to sue you for the outstanding debt. If they obtain a court judgment, they could potentially garnish your wages or seize your bank accounts. To avoid such actions, consider negotiating an affordable payment plan, asserting your inability to pay, seeking credit counselor guidance, hiring an attorney, or exploring bankruptcy as a last resort.

Before agreeing to settle the debt, ensure you fully understand the terms and are able to maintain the agreed-upon payments. Avoid defaulting on any payments, and only agree to terms you can reasonably afford. If necessary, seek assistance from a professional to help you understand your options and rights. Remember, it’s essential to verify the legitimacy of the debt before taking any action, as you want to ensure you’re addressing a real debt and not falling victim to scams.

If 319-242-7350 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive a call from 319-242-7350, it is likely from the CBE Group, a debt collection agency. To remove them from your credit report, follow these steps:

1. Verify the debt’s legitimacy: Request written confirmation from the collection agency and review it carefully for accuracy. Dispute any inaccuracies under the Fair Credit Reporting Act.

2. Negotiate a pay-for-delete agreement: Offer to pay the debt in exchange for the collection agency removing it from your credit report.

3. Offer a partial settlement: If the debt is too large to pay in full, propose a partial settlement that both you and the collection agency can agree upon.

4. Hire a credit repair service: Consult with a professional credit repair service to help you navigate the process of removing collection accounts from your credit report.

5. Wait for the time limit: Collection accounts typically stay on your credit report for seven years. After this time, the account will automatically be removed.

6. File a complaint: If the collection agency violates the Fair Debt Collection Practices Act, file a complaint with the Consumer Financial Protection Bureau or your state attorney general’s office.

7. Consult an attorney: If the debt is significant or the collection agency is uncooperative, consult with an attorney who specializes in debt and credit issues.

8. Maintain detailed records: Keep track of all communications with the collection agency, including dates, times, and the content of the conversations.

By following these steps and prioritizing the verification of the debt’s legitimacy, you can effectively work towards removing 319-242-7350 from your credit report.

What Feedback And Comments Do People Leave About 319-242-7350?

People often leave feedback and comments about 319-242-7350, a phone number associated with The CBE Group, a debt collection agency. Many complain about receiving multiple calls per day, with some even happening during work hours. They express concerns that these calls may affect their credit approval or interest rates. Complaints include excessive calls, unrecognized numbers, and verification requests. Some individuals mention not knowing why they were called or ask for the company’s address. Overall, dissatisfaction with the debt collection industry and CBE Group is common.

To address these concerns, it is essential to understand your rights under the Fair Debt Collection Practices Act. You can send a cease and desist letter, block the number, and report violations if you feel they are not following the rules. It is crucial to verify if the debt is legitimate before taking any action, and negotiating a settlement, payment plan, or disputing the debt are all viable options. Keeping records and prioritizing verifying the debt’s legitimacy before taking action is essential.