323-475-9651

What Company Is Calling Me From 323-475-9651? Are They A Scam And Why Are They Calling Me?

The company calling from 323-475-9651 may be legitimate or potentially a scam. To verify the legitimacy of the call and the company, consider using reverse phone lookup services or searching online. If you believe the caller is a scammer or telemarketer, report them to the FTC or your state Attorney General’s office and add your phone number to the National Do Not Call Registry. If the call is from a debt collector, follow the Fair Debt Collection Practices Act (FDCPA) guidelines. Request debt validation, negotiate a settlement or payment plan, and address potential legal consequences and consumer rights. Validate the debt’s legitimacy and dispute any inaccuracies. If necessary, remove the number from your credit report. Maintain a proactive approach to dealing with unwanted calls and frustration.

How Can I Block Or Stop Calls From 323-475-9651?

First, let’s determine if the number is a debt collector by allowing unknown calls to go to voicemail. 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. Next, 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. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice, and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Address any outstanding debts by consulting a non-profit credit counselor to help negotiate a resolution. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Regularly check voicemails to monitor any messages from an identified collector.

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

Is 323-475-9651 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair debt collection practices. If you receive calls from 323-475-9651, verify if the debt is accurate and if the caller is a legitimate debt collector. If so, you have rights, including the ability to request they stop calling.

To protect yourself, document each call’s details and revoke any prior consent for calls outside regular hours. If you think the collector is violating the FDCPA, report the violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office.

Remember, adhering to the FDCPA is vital for collectors, and asserting your rights can help prevent further harassment.

If 323-475-9651 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 323-475-9651 is a debt collector, first ensure they are legitimate by checking their credentials. If they are, you must follow the Fair Debt Collection Practices Act (FDCPA) guidelines. To validate the debt, send a debt validation letter by mail. The collector is legally required to provide this information.

Once the debt is validated, consider options like negotiating a settlement or payment plan in writing. Offer a partial payment of 30-50% if possible, and request the debt be removed from your credit report. If the collector violates FDCPA regulations, assert your rights. Consult a credit counseling agency or attorney for further guidance on debt resolution, bankruptcy, or legal action.

Maintain detailed records of all communication and revoke any permission given to the collector. If unsure, seek professional help to ensure a fair outcome.

Can 323-475-9651 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 323-475-9651 claiming to be a debt collector, ensure they follow the Fair Debt Collection Practices Act (FDCPA) guidelines. If the debt is legitimate, they may sue you and garnish your wages if they obtain a court judgment. To avoid legal action, consider negotiating a payment plan, requesting a cease in contact, seeking credit counseling, hiring an attorney, or exploring bankruptcy.

Document all calls, letters, and efforts to address the debt, and carefully consider any settlement offers before agreeing to them. Ensure any settlement terms are in writing, and avoid settling for an amount you can’t afford as it may cause more long-term financial harm. Seek help to understand your options and rights.

If 323-475-9651 Is A Collection Company, How Can I Remove It From My Credit Report?

If 323-475-9651 is a debt collection company, you can remove it from your credit report by following a series of steps. First, validate if the debt is legitimate by requesting written confirmation from the collection agency. 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:

– Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
– Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
– Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
– Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
– File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
– Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
– 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 323-475-9651?

There are no specific comments or feedback left about phone number 323-475-9651. Users often express frustration with unwanted calls, particularly from telemarketers. To address this issue, users are advised to avoid engaging with these calls, block the numbers when possible, and consider adding their number to the Do Not Call registry. Additionally, it is essential to verify the legitimacy of the call and the company behind the number, and if it is a debt collector, follow FDCPA guidelines. Users should request debt validation, dispute any inaccuracies, and deal with potential legal consequences while maintaining a proactive approach to unwanted calls.