361-288-1799

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What Company Is Calling Me From 361-288-1799? Are They A Scam And Why Are They Calling Me?

First, identify the company calling you from 361-288-1799 as Bluhme and Associates, a debt collection law firm in Corpus Christi, Texas. They might be contacting you about unpaid debts. Although they are not a scam, some debt collectors can be aggressive or misleading. To verify the purpose of their call, engage with the caller directly. Exercise your rights under the Fair Debt Collection Practices Act (FDCPA) and keep track of all interactions. If you think the calls violate FDCPA, report to the Consumer Financial Protection Bureau and seek guidance from a consumer protection attorney. To address your debt, consider negotiating a settlement or payment plan, or explore alternatives such as credit counseling, legal action, or bankruptcy.

How Can I Block Or Stop Calls From 361-288-1799?

If you’re receiving calls from the number 361-288-1799, it could be from Bluhme and Associates, a debt collection law firm in Corpus Christi, Texas. To stop these calls, follow these steps:

1. Identify if it’s a debt collector: Ensure the caller is a debt collector by asking for their name, company, and reason for the call. If they’re a debt collector, ask them to stop calling you.

2. Block their calls: Use your phone’s built-in call blocking feature or download a third-party app to block the number.

3. Formally request no further contact: Send a cease and desist letter to the debt collector, requesting no further communication from them. Be sure to keep a record of this letter and any responses you receive.

4. Get help addressing the underlying debt: If the debt is legitimate, work with the debt collector to set up a payment plan or negotiate a settlement. If you believe the calls are in violation of the Fair Debt Collection Practices Act (FDCPA), report the collector to the Consumer Financial Protection Bureau and consult a consumer protection attorney.

5. Maintain detailed records: Keep track of all calls, letters, and communications with the debt collector. This will be helpful if you need to take legal action or negotiate a fair outcome.

Remember to consult professionals for assistance in dealing with debt collectors and addressing the underlying debt.

Is 361-288-1799 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 361-288-1799 may be violating the Fair Debt Collection Practices Act (FDCPA) if they are engaging in harassing or abusive debt collection practices. As a consumer, you have rights to protect yourself from such behavior. To determine if your rights are being violated, document the date, time, frequency, and details of all calls. Take note if the calls are outside allowed hours, repeated, or use abusive language.

To address these issues, you can revoke consent for calls outside normal hours and request no contact at work. Additionally, you can send a cease and desist letter to the collector, which may help put an end to their violations. If you believe the collector is still violating the FDCPA, report the violations to the Consumer Financial Protection Bureau.

Furthermore, consulting a consumer protection attorney can provide guidance on your rights and help you navigate the complexities of debt collection practices. By asserting your rights and taking appropriate action, you can protect yourself from unfair treatment and ensure your consumer rights are upheld.

If 361-288-1799 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 361-288-1799 is a debt collector, it is essential to validate the debt and understand your options. First, request written validation from the collector by sending a debt validation letter. Review the information provided and dispute any inaccuracies, requesting removal from your credit report. Next, negotiate a settlement or payment plan with the collector.

Consider other options such as FDCPA rights, credit counseling, or legal action if necessary. Remember to keep records of all correspondence and calls, and revoke any permission for unlawful contact. Seek assistance from professionals to help you reach a fair outcome.

In the end, ensuring your rights are respected, maintaining detailed records, and consulting professionals can help you navigate the complexities of debt collection and reach a satisfactory resolution.

Can 361-288-1799 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 361-288-1799, it may be related to a debt collector. Debt collectors have the right to sue you for the debt, which could lead to wage or bank account garnishment. To avoid legal action, you can negotiate affordable payments, assert your inability to pay, seek guidance from a non-profit credit counselor, or hire a consumer law attorney. If debts are overwhelming, consider bankruptcy.

Thoroughly document all communications with the debt collector. Be cautious when settling a debt, ensuring it’s affordable and in writing. Consult professionals to understand your options and rights before agreeing to any settlement.

Ultimately, understanding your rights under the Fair Debt Collection Practices Act (FDCPA) is crucial, and reporting any violations to the Consumer Financial Protection Bureau. Other options include credit counseling, legal action, or bankruptcy. Maintain detailed records of all communications and consult professionals for assistance in reaching a fair outcome.

If 361-288-1799 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 361-288-1799 is a legitimate collection company by requesting written confirmation from them. If any information is incorrect, dispute the debt and demand its removal. If the debt is valid, try negotiating a pay-for-delete agreement, offering a good faith partial settlement, or hiring a credit repair service to help you resolve the issue.

Alternatively, wait for the 7-year time limit for the debt to fall off your credit report. If you believe the collection agency is violating the Fair Debt Collection Practices Act (FDCPA), file a complaint with the Consumer Financial Protection Bureau (CFPB). In some cases, consulting an attorney may be necessary to help you navigate the process and protect your rights.

Throughout the process, maintain detailed records of your efforts to resolve the disputed collection account. This will help you stay organized and ensure you have a comprehensive understanding of the situation.

What Feedback And Comments Do People Leave About 361-288-1799?

People leave negative feedback about the phone number 361-288-1799, as they report rude and misleading behavior. The callers claim to be from the Texas attorney general’s office and make calls on weekends with early times. They refuse to verify their identities, causing concern. The main purpose of these calls is to collect debts. It is advised to keep detailed records of all communications and consider reporting to the Consumer Financial Protection Bureau if the calls violate the Fair Debt Collection Practices Act (FDCPA). Seeking a consumer protection attorney, negotiating a settlement or payment plan, credit counseling, or pursuing legal action or bankruptcy are options to consider.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE