323-289-6058

What Company Is Calling Me From 323-289-6058? Are They A Scam And Why Are They Calling Me?

The phone number 323-289-6058 is associated with Sprint Spectrum L.P. in Los Angeles, California. Multiple users have reported this number as being used by scammers. Common scams involve posing as a legitimate business to trick people into providing personal or financial information. Since the number is reported as scammers, it is likely a telemarketing scam calling without consent. The goal of the call may be to sell products/services or ask for donations, but it is probably to steal information rather than legitimate telemarketing. To prevent future unwanted calls, file complaints on the numbers calling and register your number on the National Do Not Call List. You can also explore call blocking apps or services from your phone provider to restrict scam/telemarketing calls.

How Can I Block Or Stop Calls From 323-289-6058?

If you’re receiving calls from 323-289-6058, it could be a debt collector or a scammer. To block or stop these calls, first identify if it’s a debt collector by letting unknown calls go to voicemail and checking for messages. If it’s a debt collector, contact your phone carrier to permanently block the number, utilize call blocking apps, or set contacts not in your address book to go straight to voicemail.

Next, send a cease and desist letter via certified mail, demanding no further calls. Check your state’s laws for any additional protections beyond the FDCPA and include these in your letter. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

To address any underlying debt, consult a non-profit credit counselor to help negotiate a resolution. Speak to a consumer protection attorney if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 323-289-6058 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you suspect that the number 323-289-6058 is violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to document any potential violations. Start by noting the date, time, frequency, phone number, and details of all calls. Check if they call outside of the allowed hours of 8am – 9pm in your time zone, and keep track of the frequency of their calls. Additionally, log any abusive, threatening, or obscene language used during these calls.

To protect yourself and your rights as a consumer, you can take several steps. First, revoke any prior consent given to call outside normal hours in writing. Next, formally request that they cease contacting you at your workplace if it is prohibited by your employer. You can also send a cease and desist letter via certified mail, demanding no further contact by phone. Finally, verbally request them to stop calling during any conversation.

If you believe there have been FDCPA violations, report the violations with documentation to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to discuss your rights and options, including suing for damages. You can also contact your state Attorney General’s office for guidance. Lastly, consider seeking advice from an experienced credit counselor on how to address the debt without incurring further collection calls.

If 323-289-6058 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 323-289-6058 is a debt collector, the first step to validate the debt is to request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, and dispute any incorrect or unrecognized information in writing, requesting removal from your credit report.

Once the debt is validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. The key is never ignoring 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 323-289-6058 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a debt collector could contact you and 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, consider negotiating affordable payments, asserting your inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy if debts are overwhelming. It’s crucial to document all calls and efforts to address the debt. Before agreeing to settle, ensure the proposed payment plan is realistically affordable, get any settlement terms in writing, and be aware that a collector can still sue if you default on a settlement. Settling can make sure 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 323-289-6058 Is A Collection Company, How Can I Remove It From My Credit Report?

If 323-289-6058 is a collection company, the first step is to validate if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, 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 these active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. Keep detailed written records showing your efforts to resolve the disputed collection account.

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 323-289-6058?

People often leave feedback and comments about the phone number 323-289-6058, expressing concerns about unwanted calls. These comments include reports of spam calls, scam suspicions, and even harassment. Many users have received calls from scammers attempting telemarketing or tax debt resolution centers. Additionally, some people have experienced silent and unresponsive calls from this number. It is crucial to exercise caution when receiving calls from 323-289-6058 and consider reporting any unwanted calls to help identify the party responsible for using this phone number.