404-793-1306

What Company Is Calling Me From 404-793-1306? Are They A Scam And Why Are They Calling Me?

The phone number 404-793-1306 belongs to IC System, a debt collection agency that has been operating since 1938. They might be calling to collect a debt on behalf of another company. When dealing with debt collectors, it’s crucial to remember that they must adhere to the Fair Debt Collection Practices Act (FDCPA), a law designed to protect consumers from harassment, false statements, and inconvenient contact times. If you believe the collector is acting inappropriately, you have rights and can send a debt validation letter. To ensure you are not being scammed, block the number and report any violations. If the debt is genuine, request written validation, dispute any inaccuracies, and negotiate a payment plan or settlement while asserting your FDCPA rights. Seeking advice from a non-profit credit counselor or attorney can further assist you in managing debt collection situations.

How Can I Block Or Stop Calls From 404-793-1306?

To block or stop calls from 404-793-1306, first determine if the caller is a debt collector. Let unknown calls go to voicemail and don’t answer directly. Contact your phone carrier or use call blocking apps to block the number. Next, send a cease and desist letter if the calls persist, keeping records of calls and reporting any violations of the Fair Debt Collection Practices Act (FDCPA). If the debt is legitimate, request written validation, dispute any inaccuracies, and negotiate a payment plan or settlement while asserting your FDCPA rights. For further assistance, consult a non-profit credit counselor or a consumer protection attorney. By following these steps, you can effectively manage and address calls from 404-793-1306 and other debt collection agencies.

Is 404-793-1306 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, you need to understand if the phone number 404-793-1306 is indeed associated with a debt collection agency. If it is, you should be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Keep a record of all calls, including their date, time, frequency, and details, especially if there is any abusive or threatening language.

You have the right to revoke consent for calls outside normal hours and request the collector to cease contacting you. If you face any violations, report them to the Consumer Financial Protection Bureau or your state Attorney General’s office. In case of a debt collection violation, consult with a consumer protection attorney for guidance on your rights and options.

If the debt is genuine, you can request written validation, dispute any inaccuracies, and negotiate a payment plan or settlement while exercising your FDCPA rights. You can also seek help from a non-profit credit counselor or attorney for further assistance.

If 404-793-1306 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from the phone number 404-793-1306, it is important to determine if the caller is a debt collector. Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) to protect consumers.

First, ensure the caller is a debt collector by asking for their name, company, and the debt they are collecting. If they are a debt collector, request written validation of the debt. This should include the amount owed, creditor’s name, and other relevant information. Review the validation for accuracy and dispute any incorrect information.

Next, negotiate a settlement or payment plan in writing. Offer a partial payment if it is affordable, and make sure to keep records of all correspondence. Be sure to assert your FDCPA rights if the debt collector violates any provisions.

If you need guidance, consult a non-profit credit counselor or attorney experienced in debt collection practices. Remember to revoke any prior permission for contact outside of FDCPA guidelines, and block the number to minimize further disruptions.

In conclusion, handling a debt from 404-793-1306 involves validating the debt, disputing inaccuracies, negotiating payment terms, asserting your rights, and seeking professional guidance when necessary.

Can 404-793-1306 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 404-793-1306, it is crucial to determine if the caller is a debt collector. If they are, you have rights under the Fair Debt Collection Practices Act (FDCPA). If the debt is valid, you may face legal action, including potential wage garnishment if a court judgment is granted. To prevent such consequences, consider negotiating reasonable payment plans, asserting your inability to pay, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or even exploring bankruptcy as a last resort.

Before agreeing to settle the debt, make sure you fully comprehend the terms in writing and carefully assess the long-term financial impact. Seek assistance from a knowledgeable source to help you navigate your options and rights.

If 404-793-1306 Is A Collection Company, How Can I Remove It From My Credit Report?

First, verify if 404-793-1306 is a collection company by requesting written confirmation. Carefully review the information and dispute any inaccuracies. If the debt is valid, you can try negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service to help you remove the debt from your credit report. Another option is to wait for the 7-year limit, after which the debt will automatically fall off your report. If you’re still struggling, consider filing a complaint with the appropriate authorities or consulting an attorney for legal advice. Throughout this process, always focus on validating the debt before taking any action.

What Feedback And Comments Do People Leave About 404-793-1306?

People often leave feedback and comments about the phone number 404-793-1306, which is associated with IC Systems, a debt collection agency. Many consumers report receiving calls from this number without answering or leaving voicemails. It’s important for IC Systems to comply with laws and regulations to avoid harassment, false statements, inconvenient times, or contacting third parties without consent. To protect their rights, consumers can request debt validation and cease communication by following guidance such as sending certified letters or filing complaints. Being aware of the Fair Debt Collection Practices Act (FDCPA) and asserting your rights when dealing with debt collectors is crucial.