386-804-2589

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What Company Is Calling Me From 386-804-2589? Are They A Scam And Why Are They Calling Me?

First, the phone number +1 (386) 804-2589 is associated with two individuals, Barbara Oberly and Rhoda P Shouger. They have been linked to various addresses and companies, but there is no clear evidence of scamming or telemarketing from either individual.

Second, it is essential to remain cautious when receiving calls from unknown numbers. Utilize websites like Truecaller, Whitepages, Spokeo, CallerCenter, and others to gather more information about the caller.

Third, the reason for the call remains unclear without additional context. To manage unwanted calls, consider using call-blocking apps or services.

Finally, it is crucial to stay vigilant and cautious when receiving calls from unknown numbers, especially if they seem suspicious. Always use reliable resources to verify the caller’s identity and never share personal or financial information with unknown callers. In the end, protecting yourself from potential scams and unwanted calls is a proactive approach that can save you time, money, and stress.

How Can I Block Or Stop Calls From 386-804-2589?

To block or stop calls from the number +1 (386) 804-2589, first determine if the calls are from a debt collector. Allow unknown calls to go to voicemail and check for messages stating they are attempting to collect a debt. Once identified, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya to block the number at the network level. You can also set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

If the calls are harassing or violating your rights under the Fair Debt Collection Practices Act (FDCPA), send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice, and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

To address any outstanding debts, consult a non-profit credit counselor to help negotiate a resolution of the debt. You may also want to speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 386-804-2589 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the phone number 386-804-2589, it’s essential to know your rights under the Fair Debt Collection Practices Act (FDCPA). This act protects consumers from abusive debt collection practices. To document any potential FDCPA violations, keep track of the date, time, frequency, phone number, and details of all calls. Note if they call outside the allowed hours of 8am-9pm in your time zone, if they call excessively, or if they use abusive language.

To protect your rights, you can revoke any prior consent given to call outside normal hours, request they cease contact at your workplace if prohibited, send a cease and desist letter, or verbally request they stop calling during any conversation. If you believe the collector is violating the FDCPA, report the violations to the Consumer Financial Protection Bureau and consider consulting with a consumer protection attorney or contacting your state Attorney General’s office for guidance.

Furthermore, you can ask an experienced credit counselor for advice on how to address the debt without incurring further collection calls. Adhering to the FDCPA is mandatory for any collector contacting you, and keeping detailed records and asserting your rights can help prevent further harassment from debt collectors.

If 386-804-2589 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 386-804-2589 is a debt collector, you must first identify the company or individual associated with the phone number. Research the number online and cross-verify with multiple sources to establish its legitimacy. To validate the debt, request written validation from the collector by mailing a debt validation letter. They are legally obligated to provide this information. Carefully review the validation for accuracy, disputing any incorrect or unrecognized information in writing and requesting removal from your credit report.

Once the debt is validated, consider negotiating a reasonable settlement or payment installment plan in writing before sending any payment. Offer partial payment if affordable, and request deletion from your credit report in exchange. Assert your rights under the FDCPA if the collector violates regulations during collection.

Seek help from non-profit credit counseling agencies or attorneys for guidance on debt resolution, bankruptcy, or legal action against the collector. Keep detailed records of all correspondence and calls for potential complaints. If the calls become unwanted, use call-blocking apps or services to manage them. Ultimately, understanding your rights and asserting them can help you achieve a fair outcome in resolving the debt.

Can 386-804-2589 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector with the phone number 386-804-2589 is a legitimate collector, they have the legal right to sue you to recover the amount owed. To avoid legal action, consider negotiating an affordable payment plan in writing or requesting the collector to cease contact. You can also seek guidance from a non-profit credit counselor or hire a consumer law attorney to understand your protections under the FDCPA and state law.

Bankruptcy may be an option if debts are overwhelming, but consult with an attorney to determine if it’s appropriate. Document all calls, letters, and your efforts to address the debt. Before agreeing to settle, ensure the proposed payment plan is realistically affordable based on your budget. Get any settlement terms or agreements in writing before making payments. Be aware that the collector can still sue if you default on a settlement.

In conclusion, settling can be a practical solution to avoid legal action, but ensure the payments are manageable and understand your rights and options first.

If 386-804-2589 Is A Collection Company, How Can I Remove It From My Credit Report?

If 386-804-2589 is a collection company, you can remove it from your credit report by first validating the debt. Request written confirmation of the debt and review it carefully to ensure the details are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. They must remove the collection tradeline from your credit file if the debt is inaccurate.

If the debt is legitimate, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment, or hiring a credit repair service to dispute the debt on your behalf. Another option is waiting for the 7-year credit reporting time limit to pass, allowing the collection to automatically fall off your report.

Additionally, you can 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. 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 potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 386-804-2589?

People often leave feedback and comments about phone numbers, sharing their experiences with telemarketing calls, spam, or other unwanted calls. However, for the phone number 386-804-2589, there is no direct feedback or comments available. To find such information, one can use online resources like phone number directories or community-driven platforms where users share their experiences. These resources can offer insights into whether the number is associated with spam, telemarketing, or other types of calls that may be bothersome. Keep in mind that the information provided by these resources might not always be accurate or up-to-date, so it should be used with caution and cross-verified from multiple sources whenever possible.

You must check your credit report

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