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What Company Is Calling Me From 401-648-2902? Are They A Scam And Why Are They Calling Me?

The number 401-648-2902 is linked to a reported IRS impersonation phone scam. Scammers leave threatening voicemails demanding back taxes and aim to frighten victims into revealing personal financial details or transferring money. Legitimate government agencies don’t use such tactics, making it probable that calls from this number are fraudulent. To avoid falling victim to these scams, it’s crucial to be cautious and aware of the tactics used by scammers. If you receive a call from an unknown number, always verify the legitimacy of the caller before giving any personal information or making payments. Report any suspicious calls to the appropriate authorities to help prevent others from becoming victims of these scams.

How Can I Block Or Stop Calls From 401-648-2902?

To block or stop calls from 401-648-2902, follow these steps:

1. Let the call go to voicemail: If you receive an unknown call, let it go to voicemail and do not answer. This helps identify if the call is from a debt collector.

2. Block the number: Once you identify the number as a debt collector or scammer, block it using your phone carrier’s features or download a call blocking app.

3. Send a cease and desist letter: Formalize your request to stop the calls by sending a cease and desist letter to the debt collector. Keep records of all calls and communications.

4. Address the underlying debt: If the calls are related to a legitimate debt, consult a non-profit credit counselor or a consumer protection attorney to help negotiate payment terms and protect your rights.

5. Report and warn others: If the calls are scams, report the number to the appropriate authorities and warn others about the scam.

Is 401-648-2902 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 401-648-2902 or any other number, it’s essential to know your rights as a consumer under the Fair Debt Collection Practices Act (FDCPA). Document the details of all calls, such as date, time, frequency, phone number, and any other relevant information. If the calls are made outside of allowed hours or are persistent, you can revoke consent and request no further contact.

Send a cease and desist letter to the debt collector, clearly stating your wish to stop receiving calls and communications. If there is a violation of the FDCPA, report the issue to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. Always be proactive in protecting your rights when dealing with debt collectors, as they must adhere to the FDCPA to avoid legal consequences.

If 401-648-2902 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 401-648-2902 and suspect it is a debt collector, it’s essential to validate the debt and explore your options. Start by requesting written validation from the collector to review the debt’s accuracy. If the debt is incorrect, dispute it and maintain detailed records of your correspondence.

Consider negotiating a settlement, payment plan, or seeking advice from a credit counselor or attorney. Keep in mind that as a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA), which shields you from abusive collection practices.

In the end, be cautious when dealing with debt collectors and ensure you’re not falling victim to scams. Note that 401-648-2902 is linked to an IRS impersonation phone scam, so take necessary precautions to safeguard your financial information.

Can 401-648-2902 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 401-648-2902, it is likely an IRS impersonation phone scam. Do not engage with the caller and report the number to protect yourself from potential threats. If the debt is legitimate, negotiate payment terms to avoid legal action, such as wage garnishment. To avoid legal action, consider seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or even exploring bankruptcy options. Before agreeing to settle the debt, make sure the payment plan is affordable and get any settlement terms in writing. Keep in mind the potential consequences of defaulting on a settlement, such as further legal action.

If 401-648-2902 Is A Collection Company, How Can I Remove It From My Credit Report?

First, find out if 401-648-2902 is indeed a collection company. Verify the debt is legitimate by requesting written confirmation from them. If the debt is not yours, dispute it under the Fair Credit Reporting Act (FCRA). You can also try negotiating a pay-for-delete agreement, offering a good faith partial settlement, or hiring a credit repair service to help.

Another option is to wait for the 7-year limit on negative credit report information, which will eventually remove the debt. If the issue persists, file a complaint with the Consumer Financial Protection Bureau (CFPB) or consult an attorney for legal advice. Remember to keep records of all communication and maintain a paper trail throughout the process.

What Feedback And Comments Do People Leave About 401-648-2902?

People often leave negative feedback and comments about the phone number 401-648-2902, as it is commonly associated with scam calls. These calls typically involve false claims about back taxes or IRS lawsuits. To protect yourself from falling prey to such scams, it is essential to be cautious when receiving unsolicited calls and verify the legitimacy of the caller before disclosing any personal or financial information. Many recipients of these calls choose to block the number and warn others about its deceptive practices.

You must check your credit report

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