321-445-8913

What Company Is Calling Me From 321-445-8913? Are They A Scam And Why Are They Calling Me?

First, determine who is calling you from the number 321-445-8913. The company is First National Collection Bureau, a debt collection agency. It is essential to be cautious when receiving calls from unknown numbers, especially if they ask for personal or financial information. If you’re unsure, end the call and call the organization using a verified number. To find more information about the number and the company, use a reverse phone lookup service. Lastly, be aware of your rights under the Fair Debt Collection Practices Act.

How Can I Block Or Stop Calls From 321-445-8913?

First, determine if the call is from a debt collector by letting unknown calls go to voicemail and checking for messages. If the call is from a debt collector, contact your phone carrier to permanently block the number. Alternatively, if the call is not from a debt collector, consider using call blocking apps like Nomorobo or Hiya to automatically block the number at the network level.

Another option is to set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. If you still receive unwanted calls, send a cease and desist letter via certified mail demanding no further calls, and check if your state has laws prohibiting collection calls without written notice.

Consult a non-profit credit counselor to help negotiate resolution of the debt, or speak to a consumer protection attorney regarding your rights and potential lawsuits. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 321-445-8913 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

Firstly, if you receive a call from 321-445-8913, remember that this number is associated with First National Collection Bureau, a debt collection agency. It is essential to verify the organization’s number before sharing any personal or financial information, as there have been reports of nuisance calls and debt collection attempts from this number.

To ensure your rights under the Fair Debt Collection Practices Act (FDCPA) are protected, document the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8 am – 9 pm in your time zone, if they call your workplace, or use abusive language during the conversation.

To assert your rights, you can revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace, send a cease and desist letter via certified mail, or verbally request they stop calling during any conversation. If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Moreover, you can ask an experienced credit counselor how to address the debt without incurring further collection calls. Adhering to the FDCPA is required for any collector contacting you, and keeping detailed records and asserting your rights will help prevent further harassment from debt collectors.

If 321-445-8913 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt associated with 321-445-8913, follow these steps:

1. Send a debt validation letter to the collector by mail, requesting written proof of the debt.
2. Carefully review the validation for accuracy, checking personal details, creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options:

– Negotiate a lump-sum settlement or payment installment plan in writing before making any payment.
– Offer partial payment of 30-50% of the balance if affordable, requesting deletion from your credit report in exchange.
– Assert your rights under the FDCPA if the collector violates regulations.
– Seek help from a non-profit credit counseling agency for guidance on debt resolution.
– Consult an attorney to explore bankruptcy or legal action against the collector.
– Keep detailed records of all correspondence and calls for potential complaints.
– Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines.

Remember, never ignore 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 321-445-8913 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector like 321-445-8913, it’s crucial to know your rights and options. If the debt is legitimate, the collector could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can:

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.

If 321-445-8913 Is A Collection Company, How Can I Remove It From My Credit Report?

If 321-445-8913 is a debt collection company, you can remove it from your credit report by first validating the debt’s legitimacy. This involves requesting written confirmation from the collector and reviewing the information carefully. If there are any inaccuracies, dispute the debt in writing, stating that it is inaccurate according to the Fair Credit Reporting Act and demand the removal of the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources can be beneficial.

Another option is to wait for the 7-year credit reporting time limit for the collection to fall off your report automatically. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is also an option.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 321-445-8913?

Feedback and comments about the phone number 321-445-8913, associated with First National Collection Bureau, mostly revolve around debt collection activities. Users have reported receiving hang-up calls and having interactions with representatives when they call back the number. It is important to note that the phone number is based in Orlando, FL, and there have been a total of 76 complaints related to it, with one user complaint and 75 complaints filed with the FTC. With this in mind, it is crucial to exercise caution when sharing personal or financial information and be wary of potential scam calls. It is advisable to make use of reverse phone lookup services to verify the organization’s legitimacy and to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Additionally, you can take steps such as blocking the number, sending cease and desist letters, reporting violations, requesting debt validation, and negotiating payment terms or settlements. If needed, consider seeking guidance from non-profit credit counselors or attorneys to better understand the legitimacy of the debt and any potential legal consequences. Make sure to validate the debt, dispute any inaccuracies, negotiate pay-for-delete agreements, and consult a consumer law attorney if necessary. Lastly, keep detailed records of all calls, letters, and efforts made to address the debt for future reference.