401-205-7353

What Company Is Calling Me From 401-205-7353? Are They A Scam And Why Are They Calling Me?

Firstly, the phone number 401-205-7353 is located in Providence, Rhode Island, and was previously associated with Citizens Bank. It is currently unassigned, which means it could be a telemarketer, debt collector, or other company trying to reach you. To find out who is calling and why, reverse search the number online or ask the caller to provide their company name and purpose for calling.

It is essential to protect your personal information, especially when speaking with unknown callers. If you feel unsure about the legitimacy of the call, do not provide any personal details and consider ending the conversation. Additionally, if you suspect the call to be a scam or feel harassed, report the call to the appropriate authorities.

In conclusion, always be cautious when receiving calls from unidentified numbers and take necessary steps to ensure your safety and privacy.

How Can I Block Or Stop Calls From 401-205-7353?

To block or stop calls from 401-205-7353, first, let the caller leave a voicemail so you can identify them. Then, use your phone carrier’s blocking feature or a call blocking app to prevent future calls. If the calls persist, send a cease and desist letter and maintain records of these calls. Consult a non-profit credit counselor or attorney for help with any underlying debt issues. Keep monitoring your voicemails and stay vigilant to protect yourself from potential scams or fraud.

Is 401-205-7353 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you believe that 401-205-7353 is violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to document the details of the calls, such as the frequency and language used. As a consumer, you have rights that must be respected, including revoking consent for calls outside normal hours and requesting no contact at work. Additionally, you can send a cease and desist letter to the collector to halt their actions.

In the event of FDCPA violations, report the issue to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for assistance. You may also benefit from speaking with a credit counselor for guidance.

It’s essential to protect yourself from potential scams by not sharing personal information with unknown callers and blocking unverified numbers. By staying informed and asserting your rights, you can help prevent unfair debt collection practices.

If 401-205-7353 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 401-205-7353 is a debt collector, your first step should be to validate the debt to ensure its accuracy. To do this, send a debt validation letter to the collector, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for any incorrect information and dispute it if necessary.

Once the debt is validated, consider negotiating a settlement or payment plan. Keep in mind that you have rights under the FDCPA, which protect you from harassment and abuse by debt collectors. You can also consult a credit counselor or seek legal advice if needed.

In addition, it’s essential to maintain detailed records of all communication with the debt collector and any prior permissions you may have given. If you believe the calls are unwanted or harassing, you can revoke any prior permissions and report the collector to relevant consumer protection agencies.

In conclusion, validating the debt, asserting your rights under the FDCPA, negotiating settlements or payment plans, consulting credit counselors or attorneys, and monitoring calls are essential steps to address a debt collector’s call. Always prioritize your financial well-being and protect yourself from potential scams or harassment.

Can 401-205-7353 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 401-205-7353 is a debt collector, they have the legal right to sue you or garnish your wages to collect the debt. To avoid such actions, you can negotiate affordable payment plans, assert your inability to pay, seek credit counseling, or hire an attorney. If your debts are overwhelming, bankruptcy may be an option. Keep records of all communication with the debt collector and thoroughly evaluate any settlement terms. Remember to safeguard your rights under the Fair Debt Collection Practices Act and consider reaching out to non-profit credit counselors, attorneys, or consumer protection agencies for guidance.

If 401-205-7353 Is A Collection Company, How Can I Remove It From My Credit Report?

If 401-205-7353 is a collection company, you can remove it from your credit report by following these steps:

1. First, determine if the debt is legitimate by requesting written confirmation from the collection company.
2. If any information is incorrect, dispute the debt and demand removal.
3. Consider negotiating a pay-for-delete agreement, offering a partial settlement, or hiring a credit repair service to assist in the process.
4. Wait for the time limit on the debt to pass, as many collection items fall off your credit report after seven years.
5. File a complaint with the Consumer Financial Protection Bureau or your state attorney general’s office if you believe the collection company is violating the Fair Debt Collection Practices Act.
6. Consult an attorney to help with the dispute process and understand your rights under the law.
7. Keep detailed records of all communication and interactions with the collection company.

Always remember to validate the debt before taking any action to ensure you are dealing with a legitimate collection company.

What Feedback And Comments Do People Leave About 401-205-7353?

People often leave comments and feedback about the phone number 401-205-7353, expressing suspicions of scams and telemarketer calls. Users report connections to Citizens Bank scams, involving fraudulent texts and calls. Some warn that calling the number may result in personal information theft and frozen business bank accounts. To stay safe, avoid sharing personal information with unknown callers and block the number if possible. If you suspect a debt collector is contacting you, verify the debt, exercise your rights under the Fair Debt Collection Practices Act, negotiate settlements, and monitor calls. For additional help, consult non-profit credit counselors, attorneys, or consumer protection agencies.