4142760435

What Company Is Calling Me From 8006347404 And Why Are They Calling? Are They A Debt Collector?

Carson Smithfield, a debt collection agency based in New York, is the company associated with the phone number 1-800-634-7404. They call individuals to collect debts on behalf of various creditors, including Merrick Bank. However, there have been complaints about their tactics and attempts to collect on incorrect or invalid debts. If you receive calls from them regarding a debt that you don’t recognize or believe is incorrect, it is advised not to provide payment information. Seek legal advice to understand your consumer rights and learn how to stop the calls if necessary.

It’s important to note that Carson Smithfield is a subsidiary of CardWorks. Multiple users on platforms like Call Filter, YouMail, and Robokiller have reported their contact number, 1-800-634-7404, as belonging to a debt collector. As a consumer, it’s crucial to be aware of your rights and take appropriate actions to address any concerns or inaccuracies regarding the debt in question.

To resolve any uncertainties about your debts and maintain control over your financial well-being, consider pulling a three-bureau credit report from IdentityIQ. This report will give you a comprehensive overview of your credit history and help you identify any discrepancies that may require attention. Remember to exercise caution when providing personal or financial information over the phone and consult legal professionals when necessary to protect your rights.

How Can I Block Or Stop Calls From 8006347404?

If you’re receiving calls from 8006347404 that you want to block or stop, here’s what you can do:

First, let unknown calls go to voicemail and avoid engaging directly to determine if they are from a debt collector.

Once you have identified them as a collector, contact your phone carrier to permanently block the number. You can also use call blocking apps or set contacts not in your address book to go straight to voicemail or be blocked.

To ensure no further contact, send a cease and desist letter via certified mail. Make sure to mention any state laws that prohibit collection calls without written notice. It’s important to keep detailed records of all calls for potential legal action.

If you need assistance with the underlying debt, consider consulting a non-profit credit counselor who can help negotiate a resolution. If the collector violates regulations, speaking to a consumer protection attorney may be necessary.

Remember, blocking calls won’t make legitimate debts disappear. However, following these steps can help you stop harassment while effectively addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8006347404, And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 8006347404. To document any potential violations, make sure to record the date, time, frequency, phone number, and details of all calls. If you receive calls outside of the permitted hours of 8am – 9pm in your time zone without your consent, this may be considered a violation. It is also important to note any repeated calls over a short period or the use of abusive language.

To assert your rights, you can revoke any prior consent given for calls outside normal hours by providing a written request. If your workplace prohibits calls, you can formally ask that they no longer contact you there. Another option is to send a cease and desist letter via certified mail, demanding that they stop contacting you by phone. You can also verbally request during any conversation that they cease calling.

If you believe there are violations, it is recommended to report them along with your documentation to the Consumer Financial Protection Bureau. They can open an investigation into the matter. Consulting with a consumer protection attorney can provide you with guidance on your specific rights and options, including the potential for legal action to seek damages. Seeking advice from an experienced credit counselor can also be helpful in addressing your debt and preventing further collection calls.

Remember to keep detailed records and assert your rights to protect yourself from harassment by debt collectors. Pulling a 3 bureau credit report through IdentityIQ can also provide valuable information about your debt and assist you in making informed decisions.

If Company From 8006347404 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company calling from the phone number 8006347404 is a debt collector, you can validate the debt by requesting a written validation through a debt validation letter. Send this letter via mail, as the collector is legally required to provide the information you request under the Fair Debt Collection Practices Act (FDCPA). Check the validation you receive carefully, making sure that your personal details, creditor name, account number, and amount owed are accurate. If you find any incorrect or unfamiliar information, dispute it in writing and ask for its removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. One option is to negotiate a reasonable lump-sum settlement or payment installment plan in writing before making any payments. If you can afford it, you can offer a partial payment of 30-50% of the balance and ask for the debt to be deleted from your credit report in return. If the debt collector violates any regulations during the collection process, you can formally assert your rights under the FDCPA. It may also be helpful to consult a non-profit credit counseling agency for guidance on negotiating resolution of the debt. If necessary, you could consider contacting an attorney to explore options like bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls in case you need to file complaints, and remember that you can revoke any prior permission you gave, either verbally or in writing, to contact you outside the guidelines of the FDCPA.

Remember, never ignore a potential debt collector. Validate the debt, assert your consumer rights under federal and state law, and seek assistance from professionals to ensure a fair outcome.

Can The Company From 8006347404 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8006347404 is a debt collector and the debt is legitimate, they have the potential to sue you and even garnish your wages or bank accounts if they obtain a court judgment. To avoid legal action, it’s crucial to take proactive steps.

Negotiating affordable lump-sum or installment payments in writing with the debt collector shows your good faith effort to pay. You can also assert your inability to pay and request that the collector cease contact, although this may not prevent a lawsuit. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can help you understand your protections under the FDCPA and state law against unreasonable lawsuits. Additionally, considering bankruptcy as an option and thoroughly documenting calls and letters can provide a clear record of your efforts to address the debt.

Before agreeing to settle, carefully evaluate the proposed payment plan to ensure it is realistically affordable based on your budget. Always get any settlement terms or agreements in writing before making any payments. It’s important to note that a collector can still sue if you default on a settlement, so settling for a lump sum that you cannot afford may cause further financial harm in the long run. Seek assistance to fully comprehend your options and rights before making any decisions. Pulling your credit report from IdentityIQ can also provide valuable insight into your overall financial situation.

If 8006347404 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you have received contact from 8006347404, a collection company, the first step is to ensure the legitimacy of the debt. Request written confirmation and carefully review the validation for accuracy. If any details are incorrect, write a dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act. Demand removal of the collection tradeline from your credit file.

If the debt’s validity is confirmed, there are several active steps you can take to potentially remove it. First, negotiate a pay-for-delete agreement in writing, settling the debt in exchange for removal. This requires a lump-sum settlement. Alternatively, you can offer a good faith partial settlement payment and request deletion as a goodwill gesture, although removal is not guaranteed without a formal agreement.

Another option is to hire a credit repair service to formally dispute the debt on your behalf and provide legal resources for removal. Additionally, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. Lastly, consulting a consumer law attorney can help assess if the collector has broken laws, potentially allowing you to sue for removal and damages. Throughout this process, it is crucial to maintain detailed written records of 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 with persistence and proper documentation. However, it is important to prioritize determining the debt’s legitimacy before taking any action.