334-321-9214

What Company Is Calling Me From 334-321-9214? Are They A Scam And Why Are They Calling Me?

The company calling from 334-321-9214 is likely connected to Gregory Slate, a Baltimore attorney leading a large underground telemarketing operation. It’s unclear if this is a scam or not, but concerns have been raised due to the operation’s secretive nature and a private investigator being hired to look into the telemarketing calls. The reason for the call remains unknown without more information.

To determine if 334-321-9214 is a debt collector, do not answer unknown calls and block any further calls. If you receive a call from this number, send a cease and desist letter, monitor voicemails, and document details of debt collection calls. Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations if necessary.

To handle the situation, request written validation of the debt and negotiate a settlement or payment plan. Consider potential legal consequences, strategies to avoid legal action, and thoroughly document the situation. Verify the debt’s legitimacy, dispute inaccuracies, and explore credit repair options.

Keep in mind the association of 334-321-9214 with spam and telemarketing calls, credit card refinance scams, and the involvement of attorney Gregory Slate and his family. Ultimately, it is crucial to protect yourself from potential scams and unlawful practices while dealing with this company.

How Can I Block Or Stop Calls From 334-321-9214?

To block or stop calls from 334-321-9214, first determine if it is a debt collector. If it is, contact your phone carrier to block the number permanently or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. If the collector continues to call, send a cease and desist letter via certified mail and check if your state has laws prohibiting collection calls without written notice. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

To address the underlying debt, consult a non-profit credit counselor to negotiate a resolution. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Monitor voicemails and validate the debt’s legitimacy, dispute inaccuracies, and explore credit repair options. Be aware of 334-321-9214’s association with spam and telemarketing calls, credit card refinance scams, and the involvement of attorney Gregory Slate and his family.

Is 334-321-9214 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 334-321-9214, first identify if it is a debt collector by not answering unknown calls and blocking further calls. If you believe it is a debt collector, send a cease and desist letter, monitor voicemails, and document details of debt collection calls. The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, deceptive, and unfair debt collection practices.

Under the FDCPA, you have the right to revoke any prior consent given to call outside normal hours, request they cease contact at your workplace if prohibited by your employer, and verbally request them to stop calling during any conversation. Additionally, you can report any violations, with documentation, to the Consumer Financial Protection Bureau to open an investigation.

Consider consulting 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. Finally, 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 334-321-9214 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 334-321-9214 is a debt collector, the first step is to validate the debt. You can do this by formally requesting written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA.

Once you have validated the debt, 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. 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.
– 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 334-321-9214 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 334-321-9214 is a debt collector and you owe a legitimate debt, they 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, consider negotiating affordable lump-sum or installment payments in writing, 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.

Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget, 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 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 334-321-9214 Is A Collection Company, How Can I Remove It From My Credit Report?

If 334-321-9214 is a debt collection company, you can attempt to remove it from your credit report by following these steps:

1. First, validate if the debt is legitimate by requesting written confirmation from the collector. Review the validation carefully to ensure your personal details and the debt information is accurate.

2. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

3. 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.

4. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

5. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.

6. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.

7. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

8. 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 334-321-9214?

When looking for information about 334-321-9214, users often leave feedback and comments about the number being linked to spam and telemarketing calls, specifically credit card refinance scams. Many people have reported the number as spam and even hired private investigators to look into the matter. The investigations revealed that Baltimore attorney Gregory Slate and his family are responsible for these calls.

To address the issue of 334-321-9214, first identify if the number is a debt collector by not answering unknown calls and blocking further calls. If persistent calls continue, send a cease and desist letter and monitor voicemails to document the details of debt collection calls. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations.

Request written validation of the debt, negotiate a settlement or payment plan, and explore credit repair options. Additionally, be aware of the association between 334-321-9214 and spam calls, scams, and the involvement of attorney Gregory Slate and his family. By taking these steps and understanding your rights, you can effectively address and resolve any issues related to the phone number 334-321-9214.