323-203-5769

What Company Is Calling Me From 323-203-5769? Are They A Scam And Why Are They Calling Me?

The company calling you from 323-203-5769 is likely Avendano Candel, a telemarketer based in Los Angeles, California. They have been reported for impersonating the IRS and asking about insurance, which may be a scam. There are also allegations of fraud and credit card theft associated with this number. To protect yourself, exercise caution when receiving calls from this number and consider blocking it. Remember to follow guidelines for dealing with debt collectors, such as requesting written validation of debt, disputing inaccuracies, and negotiating payment plans or settlements. If you suspect legal action, familiarize yourself with your rights and options. Additionally, you can work on removing any negative information from your credit report by validating the debt, disputing inaccuracies, and negotiating pay-for-delete agreements or using credit repair services. Unsolicited calls, fraud, and debt collection attempts are common complaints regarding this number, so many people choose to block it to avoid further issues.

How Can I Block Or Stop Calls From 323-203-5769?

To stop or block calls from 323-203-5769, first identify if it’s a debt collector. If it is, contact your phone carrier to permanently block the number. Alternatively, use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Send a cease and desist letter via certified mail demanding no further calls. 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 if the collector violates regulations. Keep detailed records of all calls to demonstrate a pattern of harassment if you’re considering legal action. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 323-203-5769 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 323-203-5769, it is crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA protects consumers from abusive or harassing debt collection practices. To document potential FDCPA violations, keep records of calls outside allowed hours, excessive frequency, and abusive language.

To protect your rights, revoke consent for calls outside normal hours, request they cease contact at your workplace, send a cease and desist letter, and verbally request they stop calling during conversations. If you believe 323-203-5769 is violating the FDCPA, report any violations with documentation to the Consumer Financial Protection Bureau to open an investigation.

Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Additionally, 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. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 323-203-5769 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To find out if 323-203-5769 is a debt collector, identify the party calling you and their intentions. If it is indeed a debt collector, you have several options for validating the debt and taking appropriate action.

1. Request written validation of the debt: Send a debt validation letter to the collector by mail. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy: Verify your personal details, the creditor’s name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information: Contact the collector in writing to request removal from your credit report.

Once the debt is validated, consider the following options:

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

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 323-203-5769 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 323-203-5769 is a debt collector, they have the legal right to sue you to recover the debt. If successful, they could potentially garnish your wages or bank accounts. To avoid legal action, try negotiating an affordable lump-sum or installment payment plan in writing, asserting your inability to pay and requesting they cease contact. Alternatively, you can seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling, ensure the proposed payment plan is affordable based on your budget. Make sure to get any settlement terms or agreements in writing before making payments, and be aware that a collector can still sue if you default on a settlement. Settling may be beneficial to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights before making any decisions.

If 323-203-5769 Is A Collection Company, How Can I Remove It From My Credit Report?

If 323-203-5769 is a debt collection company, you can take several steps to remove it from your credit report. First, ensure the debt is legitimate by requesting written confirmation from the collector. Review the validation carefully and, if there are any inaccuracies, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

If the collector verifies 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 provide legal resources to assist in getting it removed is another option.

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

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

What Feedback And Comments Do People Leave About 323-203-5769?

323-203-5769 has received numerous negative feedback and comments, primarily revolving around unsolicited calls, potential fraud, and debt collection attempts. Many individuals have reported receiving calls without leaving messages and being blocked. The origin of these calls is not explicitly stated as being from the number itself, but rather, the number was provided during the calls.

The phone number has been linked to a Los Angeles-based telemarketer, Avendano Candel, who impersonates the IRS and asks about insurance. This number has also been associated with fraud and credit card theft allegations. Due to these concerns, it is advised to exercise caution and consider blocking the number.

If the calls are from a debt collector, it is essential to follow the Fair Debt Collection Practices Act (FDCPA) guidelines, document the calls, and seek legal assistance if necessary. In such cases, validating the debt, disputing inaccuracies, and negotiating a settlement or payment plan are crucial steps to take.

Potential legal actions could include wage garnishment or suing for recovery; understanding rights and options can help avoid these consequences. Additionally, validating the debt, disputing inaccuracies, and negotiating pay-for-delete agreements or using credit repair services can help remove negative feedback from credit reports.

Ultimately, it is essential to remain vigilant and cautious when dealing with phone numbers like 323-203-5769, as they have been associated with unsolicited calls, fraud, and debt collection attempts. Blocking the number is a common response to these issues, and understanding one’s rights and options under the law can help protect against potential scams and fraudulent activities.