336-565-1080

What Company Is Calling Me From 336-565-1080? Are They A Scam And Why Are They Calling Me?

Healthcare Receivables Group (HRG) is the company associated with the phone number 336-565-1080. This number has been reported as a spam call, and it is crucial to exercise caution when receiving calls from this number. Do not share any personal information and consider blocking calls from unknown numbers. If you are unsure about the legitimacy of the call, hang up and contact the company through their official website. Debt collectors are not allowed to use automated dialing systems on cell phones without consent and must disclose information about the debt. If you believe a debt collector has violated the law, file a complaint with the FTC or CFPB.

How Can I Block Or Stop Calls From 336-565-1080?

First, let the unknown call go to voicemail to see if it’s a debt collector. If they leave a message about a debt, proceed to block the number. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya.

Next, send a cease and desist letter via certified mail, demanding no further calls. Check if your state has additional laws beyond the FDCPA and send a letter invoking those rights. Keep records of all calls as evidence of harassment.

For help with the underlying debt, consult a non-profit credit counselor to negotiate a resolution. If the collector violates regulations, consider speaking to a consumer protection attorney. While blocking calls doesn’t eliminate any owed debts, it can stop harassment and help address outstanding debts.

Is 336-565-1080 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 336-565-1080 is associated with Healthcare Receivables Group (HRG), a debt collection agency. Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections and rights as a consumer when dealing with debt collectors, including those from this number. If you believe you are being harassed or violated, document the date, time, frequency, phone number, and details of all calls. Note if they call outside of allowed hours (8 am – 9 pm in your time zone), repeatedly call over a short period, or use abusive language.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace, send a cease and desist letter, and verbally request they stop calling during any conversation. If violations persist, report them to the Consumer Financial Protection Bureau (CFPB), consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

It is crucial to adhere to the FDCPA and assert your rights to prevent further harassment from debt collectors. Maintain detailed records and take action if you believe your rights are being violated.

If 336-565-1080 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 336-565-1080 is a debt collector, it’s crucial to validate the debt and understand your options. Start by requesting written validation of the debt through a debt validation letter sent by mail. The collector is legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you receive the validation, carefully review it for accuracy. Dispute any incorrect or unrecognized information 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 on 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.

Always remember, 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 336-565-1080 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 336-565-1080 and they are a debt collector, 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, you can negotiate affordable lump-sum or installment payments in writing, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider 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, be aware a collector can still sue if you default on a settlement, and avoid settling for a lump sum that you can’t afford as it may do more long-term financial harm. Seek assistance to understand your options and rights first.

If 336-565-1080 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm the debt is legitimate by requesting written confirmation from the collector. If there are discrepancies, dispute the debt in writing according to the Fair Credit Reporting Act. If the debt is valid, negotiate a pay-for-delete agreement or offer a good faith partial settlement payment, requesting deletion as a gesture of goodwill. Alternatively, hire a credit repair service to dispute the debt on your behalf.

Waiting for the 7-year credit reporting time limit for the collection to fall off your report automatically is another option. If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 336-565-1080?

People often leave negative feedback and comments about the phone number 336-565-1080, primarily due to unwanted calls from debt collectors such as Wakefield and Associates, MCM, and HRG. These calls are often automated or involve hang-up calls, causing users to report the number as spam. To protect yourself from such calls, verify the legitimacy of the call through official channels, block calls from unknown numbers, and report potential scams. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) to understand your rights and protections when dealing with debt collectors. Validate the debt, negotiate settlements, and dispute any errors. Consult credit counselors, attorneys, or the Consumer Financial Protection Bureau (CFPB) for assistance. If the debt is legitimate, understand the potential legal action and consequences, and take steps to remove it from your credit report by disputing it, waiting for it to expire, or filing a complaint with the CFPB. Remember to read negative feedback and comments about 336-565-1080 to be aware of potential scams or issues related to debt collectors.