330-622-4585

What Company Is Calling Me From 330-622-4585? Are They A Scam And Why Are They Calling Me?

The phone number 330-622-4585 is linked to Randy Mash from Laurel Springs, NC. There is no proof that this number belongs to a scam or telemarketing company. The reason for the call is unclear, but it could be related to property matters or connected to PropertyReach.com. Always be cautious when receiving calls from unknown numbers.

If you receive an unknown call, it’s best to let it go to voicemail and not answer directly. If the calls continue, you can block the number by contacting your phone carrier or using call blocking apps. You can also send a cease and desist letter and understand your rights under the FDCPA to assert your rights and protect yourself from potential violations. If you have outstanding debt, consult a non-profit credit counselor or consumer protection attorney to get help addressing the issue.

How Can I Block Or Stop Calls From 330-622-4585?

First, let the unknown calls go to voicemail and do not answer directly. Identify if the number belongs to a debt collector. If so, contact your phone carrier to block the number permanently. Alternatively, use 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, requesting no further contact. Check your state’s laws for additional protections and include those rights in your letter. Keep detailed records of all calls to show a pattern of harassment if needed.

To address any underlying debt, consult a non-profit credit counselor for negotiation or speak to a consumer protection attorney regarding your rights and potential lawsuits. Remember, blocking calls will not eliminate any legitimate debts, but taking proactive steps can stop harassment and help resolve outstanding debts.

Is 330-622-4585 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 330-622-4585 is potentially associated with Randy Mash from Laurel Springs, NC. If the call is from a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from harassment or other violations. To document potential FDCPA violations, record the date, time, frequency, phone number, and details of all calls. Keep track of any abusive, threatening, or obscene language used during calls.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request them to cease contact at your workplace if prohibited by your employer, and send a cease and desist letter via certified mail demanding no further contact by phone. You can also verbally request them to stop calling during any conversation.

If you believe there have been FDCPA violations, report them 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. Lastly, 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 330-622-4585 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 330-622-4585 and the caller identifies themselves as a debt collector, the first step to validate the debt is to request written validation. Send a debt validation letter to the collector, as they are required to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once you receive the validation, carefully review it for accuracy. Make sure your personal details, the creditor name, account number, and amount owed are correct. If there are any discrepancies or unrecognized information, dispute it in writing and request removal from your credit report.

After validating the debt, 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 in exchange.
3. Formally assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
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 330-622-4585 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is threatening to sue you, it’s crucial to understand your rights and options. They could potentially garnish your wages if they obtain a court judgment. To avoid legal action, consider the following steps:

1. Negotiate a lump-sum or installment payment plan in writing to demonstrate good faith efforts to pay.
2. Assert your inability to pay and request they cease contact, which may prevent a lawsuit but they could still proceed.
3. Seek guidance from a non-profit credit counselor who can 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 if debts are overwhelming; consult with an attorney to determine if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt for a clear record.

Before agreeing to settle, ensure:

1. 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 that a collector can still sue if you default on a settlement.
4. Settling for a lump sum you can’t afford may cause long-term financial harm.

Settling is often a practical solution to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 330-622-4585 Is A Collection Company, How Can I Remove It From My Credit Report?

If the calls are from a debt collection company, it’s essential to first confirm if the debt is genuine by requesting written confirmation. Examine the validation thoroughly to ensure your personal details and the debt information are accurate. If any details are incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, you can take active steps to potentially remove it from your credit report. Consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal, offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill, hiring a credit repair service to formally dispute the debt on your behalf, waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report, filing a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Remember to keep detailed written records showing your efforts to resolve the disputed collection account. Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation. However, it’s crucial to first determine if the debt is legitimate before taking any action.

What Feedback And Comments Do People Leave About 330-622-4585?

330-622-4585 is a phone number linked to Ryan Mash from Sparta, NC. There are no specific feedback or comments associated with this number. To address concerns or unwanted calls, use a reverse phone lookup service or report the calls to the Federal Trade Commission.

When receiving calls from unknown numbers, let it go to voicemail and do not answer. To block calls, contact your phone carrier or use call blocking apps. If the call is from a debt collector, send a cease and desist letter and follow state laws for additional protections. Consult a non-profit credit counselor or consumer protection attorney to manage your debt.

Familiarize yourself with the FDCPA and document potential violations. Exercise your rights by revoking consent for calls outside allowed hours, requesting no workplace calls, and sending a cease and desist letter.