352-494-6551

What Company Is Calling Me From 352-494-6551? Are They A Scam And Why Are They Calling Me?

The phone number 352-494-6551 is associated with Shannon M Burchfield, a resident of Hampton, FL. There is no evidence that this number is connected to a scam or telemarketing company. Shannon has lived in Tennessee and Louisiana, and has family members in those states. The purpose of the call is unclear. To protect yourself, always verify the identity of unknown callers and refrain from sharing personal information. If you suspect a call to be a scam, report it to the FTC or local consumer protection agency.

To identify the unknown caller as potentially a debt collector or scammer, block the number and utilize call blocking apps. Send a cease and desist letter and maintain detailed records. Consult a non-profit credit counselor or consumer protection attorney for assistance. Understand your rights under the FDCPA. Document all calls, including date, time, frequency, and details. Track potential violations and assert your rights. Request written validation of the debt through a debt validation letter. Negotiate a settlement or payment plan and consult professionals for guidance. Understand the debt’s legitimacy and potential legal consequences, and assess affordability of any settlement.

How Can I Block Or Stop Calls From 352-494-6551?

To block or stop calls from the number 352-494-6551, follow these steps:

1. Determine if the caller is a debt collector by letting unknown calls go to voicemail and checking messages.
2. Contact your phone carrier to permanently block the number. Most major carriers offer call blocking through customer support or your online account.
3. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
4. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.
5. Send a cease and desist letter via certified mail demanding no further calls.
6. Consult a non-profit credit counselor to help negotiate resolution of the debt.
7. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.
8. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Remember, blocking calls does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 352-494-6551 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 352-494-6551 could be a debt collector attempting to reach you, and you have rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from harassment or abuse. To ensure your rights are being upheld, document all calls, including the date, time, frequency, phone number, and details of each call. Keep track of any potential violations, such as calls outside of the allowed hours (8 am – 9 pm in your time zone) or excessive call frequency.

If you believe your rights are being violated, you can take action by revoking any prior consent given for calls outside of regular hours, formally requesting that they cease contact at your workplace, sending a cease and desist letter via certified mail, or verbally requesting them to stop calling during a conversation.

To further protect yourself, report any violations with documentation to the Consumer Financial Protection Bureau, consult a consumer protection attorney for guidance, or contact your state Attorney General’s office for assistance. Additionally, you can ask an experienced credit counselor for advice on addressing the debt without incurring further collection calls.

Adhering to the FDCPA is essential for debt collectors, and keeping detailed records and asserting your rights will help prevent further harassment from debt collectors.

If 352-494-6551 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you suspect that a call from 352-494-6551 is from a debt collector, it’s crucial to validate the debt first. To do this, request written validation of the debt by sending a debt validation letter to the collector. They are obligated to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, review it thoroughly. Ensure your personal details, creditor’s name, account number, and amount owed are accurate. If you find any discrepancies or unrecognized information, dispute it in writing and request its removal from your credit report.

After validating the debt, consider your options. You can negotiate a reasonable lump-sum settlement or payment installment plan in writing before making any payment. Offering a partial payment of 30-50% of the balance, if affordable, and requesting deletion from your credit report in exchange is another option. If the collector violates FDCPA regulations, assert your rights under the act.

Consider seeking assistance from a non-profit credit counseling agency for guidance on debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector is a viable option. Keep detailed records of all correspondence and calls for potential complaints. Revoking any prior verbal or written permission given to contact you outside FDCPA guidelines is also important.

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 352-494-6551 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, the collector 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:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact. This may prevent suit, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to 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 as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

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

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 352-494-6551 Is A Collection Company, How Can I Remove It From My Credit Report?

If 352-494-6551 is a collection company, you can remove it from your credit report by first validating if the debt is legitimate. Request written confirmation from the collection 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 to the 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, consider taking the following steps: 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, 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, and 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 352-494-6551?

People have left negative feedback about the phone number 352-494-6551, stating that they receive unwanted robocalls or recorded messages. These reviews date back to June 3, 2021, with the most recent one from August 26, 2021. The callers are often perceived as debt collectors or scammers. To handle such calls, it is recommended to block the number and utilize call blocking apps. Additionally, consult a non-profit credit counselor or consumer protection attorney for further assistance. Understand your rights under the FDCPA and document all calls, including date, time, frequency, and details. Track potential violations and assert your rights to protect yourself from scams or illegitimate debts. If necessary, request written validation of the debt through a debt validation letter and negotiate a settlement or payment plan with the help of professionals. Always ensure you understand the debt’s legitimacy and potential legal consequences, and assess affordability of any settlement before taking any action.