334-391-2152

What Company Is Calling Me From 334-391-2152? Are They A Scam And Why Are They Calling Me?

To find out which company is calling you from 334-391-2152, ask the caller to identify themselves and the company they represent. Ensure they follow the Fair Debt Collection Practices Act (FDCPA) guidelines. To avoid unwanted calls, block unknown callers through your phone carrier or use an app to filter them out. If the calls continue, send a cease and desist letter and use state laws to halt their contact. Consult a credit counselor or consumer protection attorney for guidance on handling debt collection calls. Familiarize yourself with your rights under the FDCPA and document any potential violations. Request written validation of the debt and dispute inaccuracies. Negotiate a settlement or payment plan and explore other options to resolve the debt. Maintain detailed records of communication with the debt collector and seek assistance if needed.

How Can I Block Or Stop Calls From 334-391-2152?

If you’re receiving calls from the number 334-391-2152 and suspect it might be a debt collector, follow these steps to block or stop these calls. First, let the calls go to voicemail and listen to any messages left by the collector. Next, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. You can also set your smartphone to send calls from unknown numbers directly to voicemail or block them.

Once you’ve identified the caller as a debt collector, send a cease and desist letter via certified mail, demanding no further calls. Check if your state has additional laws that protect you from collection calls without written notice, and include these in your letter. Keep detailed records of all calls as evidence of harassment, and consider consulting a non-profit credit counselor or consumer protection attorney to negotiate a resolution and protect your rights.

In essence, by following these steps, you can effectively block or stop calls from 334-391-2152 and protect yourself from potential harassment by debt collectors.

Is 334-391-2152 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 334-391-2152 and suspect they may be violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to understand your rights as a consumer. The FDCPA is a federal law that protects consumers from abusive or harassing debt collection practices.

Firstly, document the details of the calls, including date, time, frequency, phone number, and any concerning behavior. Keeping records of these calls can help you identify potential FDCPA violations. Some common violations include calling outside of the allowed hours (8 am to 9 pm), calling excessively, using abusive language, or threatening legal action they cannot take.

To assert your rights, you can revoke any prior consent given for calls outside of the allowed hours, request they cease contact at your workplace if prohibited, and send a cease and desist letter via certified mail. Additionally, you can verbally request them to stop calling during any conversation.

If you believe there have been FDCPA violations, report the violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also seek assistance from an experienced credit counselor to address the debt without incurring further collection calls.

Adhering to the FDCPA is mandatory for any collector contacting you. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 334-391-2152 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, identify if the call is from a debt collector. If it is, send a debt validation letter by mail requesting written proof of the debt, including your personal details, the creditor’s name, account number, and the amount owed. Carefully review the validation and dispute any inaccuracies in writing, requesting their removal from your credit report.

Once the debt is validated, consider negotiating a reasonable settlement or payment plan in writing. Offer a partial payment of 30-50% of the balance if it’s affordable, requesting deletion from your credit report in exchange. Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and assert them if the collector violates regulations.

If you need assistance, consult a non-profit credit counseling agency or an attorney to explore options such as bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls, and revoke any prior verbal or written permission given to the collector if they contacted you outside FDCPA guidelines.

In conclusion, always confirm the legitimacy of a debt collector’s call and exercise your consumer rights under federal and state law before determining the best path to debt resolution. Seek help from professionals to ensure a fair outcome.

Can 334-391-2152 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 334-391-2152 is threatening legal action, it is essential to know your rights and options. If the debt is genuine, they could potentially sue you, and if they obtain a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, consider:

1. Negotiating affordable lump-sum or installment payments in writing to demonstrate good faith.
2. Asserting your inability to pay and requesting they stop contacting you. This may prevent them from suing, but they could still proceed.
3. Seeking guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hiring a consumer law attorney to understand your protections under the FDCPA and state laws against unreasonable lawsuits.
5. Considering bankruptcy if debts are overwhelming, but discuss this with an attorney first.
6. Thoroughly documenting all calls, letters, and efforts to address the debt to have a clear record.

Before settling, think about:

1. Ensuring the proposed payment plan is genuinely affordable based on your budget.
2. Getting any settlement terms or agreements in writing before making payments.
3. Knowing a collector can still sue if you default on a settlement.
4. Be aware that settling for a lump sum you can’t afford may cause more long-term financial harm.

Settling can often be 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 334-391-2152 Is A Collection Company, How Can I Remove It From My Credit Report?

If 334-391-2152 is a collection company, the first step is to verify if the debt is legitimate. Request written confirmation from the agency and review it carefully to ensure your personal details and the debt information are accurate. If there are any inaccuracies, send a written dispute 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, consider the following options to potentially remove it from your credit report:

1. Negotiate a pay-for-delete agreement in writing, where you 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 dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait for 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.

Keep detailed written records showing your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 334-391-2152?

All things considered, there is no specific feedback or comments about the phone number 334-391-2152. However, the number is associated with Kendall Auto Tag Agency in Miami, Florida, which has received a range of reviews online, including excellent customer service and negative interactions. To better understand the context of the phone number and its relevance to the agency, it is crucial to research and gather information about Kendall Auto Tag Agency.

To ensure you are protected from unknown callers, consider blocking these numbers through your phone carrier or by using apps that block unwanted calls. Additionally, if you believe the call is from a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA). Familiarize yourself with these protections and assert your rights during debt collection calls.

In case you need assistance, consult a credit counselor or consumer protection attorney to navigate through the complexities of debt collection calls and understand your options. Keep in mind that it is essential to maintain detailed records of communication and request written validation of the debt, if necessary. Furthermore, dispute any inaccuracies and negotiate a settlement or payment plan with the agency.

In conclusion, while there is no direct feedback about the phone number 334-391-2152, understanding the context of the agency and knowing your rights under FDCPA can help you address any concerns or issues that may arise during debt collection calls.