4432935167

What Company Is Calling Me From 4432935167 And Why Are They Calling? Are They A Debt Collector?

The phone number 443-293-5167 belongs to State Collection Service, a debt collection agency based in Madison, Wisconsin. They specialize in collecting delinquent medical bills, student loans, and other consumer debts. If you have been receiving calls from this number, it is likely that they are attempting to collect on an outstanding debt.

State Collection Service must comply with consumer protection laws, such as the Fair Debt Collection Practices Act. This act prohibits harassment, false statements, or other abusive tactics during debt collection. If contacted by State Collection Service, you have the right to request debt validation and ask them to provide proof of the debt.

To stop receiving calls from State Collection Service, simply notify them in writing and request that they cease contacting you. If you believe that your rights are being violated, you can file complaints with the FTC (Federal Trade Commission) and the Consumer Financial Protection Bureau.

In case you want to explore further action and protect your rights, it is recommended to consult a consumer rights attorney. They can guide you through the process and provide assistance in dealing with any violations.

To gain a better understanding of your financial situation and any potential outstanding debts, consider pulling a 3 bureau credit report. IdentityIQ is a reliable option for this, providing comprehensive credit information that can help you take control of your financial health.

How Can I Block Or Stop Calls From 4432935167?

If you’re receiving calls from 4432935167 and want to block or stop them, there are a few steps you can take. First, let unknown calls go to voicemail and avoid direct engagement with potential collectors to identify if it is a debt collector. Once identified, contact your phone carrier to permanently block the number or use call-blocking apps like Nomorobo or Hiya. You can also set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

To formalize your request for no further contact, send a cease and desist letter via certified mail. This letter demands no further calls and may include any state laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice. Keep detailed records of all calls to demonstrate a pattern of harassment if you’re considering legal action.

Seek help addressing any underlying debt by consulting a non-profit credit counselor who can assist you in negotiating a resolution. If the collector violates regulations, speaking to a consumer protection attorney can provide guidance on your rights and potential legal action. Don’t avoid unknown calls altogether and regularly check voicemails to monitor any messages from an identified collector. Remember that blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 4432935167 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have certain rights as a consumer if you receive calls from the number 4432935167. To make sure you are protected, keep a record of all calls including the date, time, frequency, phone number, and details. If the caller contacts you outside the allowed hours of 8am – 9pm in your time zone without your consent, or if they use abusive language or call repeatedly over a short period, make sure to log these details.

To assert your rights, you can take several steps. First, revoke any prior consent given to call outside normal hours in writing. If your workplace prohibits calls, formally request that the caller stops contacting you at your workplace. You can also send a cease and desist letter through certified mail, demanding no further contact by phone. Additionally, during any conversation, verbally request that they stop calling you.

If you need further assistance, you can report the violations to the Consumer Financial Protection Bureau, providing them with your documentation to initiate an investigation. It is also advisable to consult with a consumer protection attorney to fully understand your rights and options, which may include suing for damages. To seek further guidance on potential FDCPA violations, contact your state Attorney General’s office. Lastly, consider seeking advice from an experienced credit counselor on how to address the debt without facing further collection calls.

Remember, it is crucial to keep detailed records and assert your rights to prevent any further harassment from debt collectors.

If Company From 4432935167 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 associated with the phone number 4432935167 is a debt collector, it’s important to validate the debt. You can do this by sending a written debt validation letter to the collector. They are legally obligated to provide this information under the Fair Debt Collection Practices Act (FDCPA). Make sure to review the validation carefully and ensure that your personal details, creditor name, account number, and amount owed are accurate. If you find any incorrect or unrecognized information, dispute it in writing and request its removal from your credit report.

Once the debt is validated, you have several options for dealing with it. Firstly, you can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If it’s affordable for you, you could also offer a partial payment of 30-50% of the balance and request deletion of the debt from your credit report in exchange. If the collector violates regulations during the collection process, you can formally assert your rights under the FDCPA. It may be helpful to consult a non-profit credit counseling agency for guidance on negotiating debt resolution. You could also consider contacting an attorney to explore options such as bankruptcy or legal action against the collector. Remember to keep detailed records of all correspondence and calls for potential complaints, and revoke any prior permission given to contact you outside FDCPA guidelines.

Ultimately, don’t ignore a potential debt collector. Take steps to validate the debt and exercise your consumer rights under federal and state law before determining the best course of action. Seeking help from professionals can ensure a fair outcome in resolving the debt.

Can The Company From 4432935167 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you’re being contacted by a debt collector with the phone number 4432935167, it’s important to first verify if they are a legitimate collection company. Request written confirmation of the debt from them and carefully review the information provided. If you find any inaccuracies, submit a written dispute to the collection agency, citing the Fair Credit Reporting Act and demanding the removal of the collection from your credit file.

Should the collection agency confirm the debt’s validity, there are a few active steps you can take to potentially have it removed. One option is to negotiate a pay-for-delete agreement, where you settle the debt in exchange for its removal. Another approach is to offer a partial settlement payment as a gesture of goodwill and request deletion. However, it’s important to note that the collection agency is not obligated to remove the debt without a formal agreement.

You might also consider hiring a credit repair service to handle the dispute process on your behalf and provide legal resources for removal. Alternatively, you can wait for the 7-year credit reporting time limit, after which the collection should automatically fall off your credit report. If the collector violates any laws or refuses to remove inaccurate information, you have the option of filing a complaint with the Consumer Financial Protection Bureau or seeking advice from a consumer law attorney to explore the possibility of suing for removal and damages. Throughout this process, make sure to keep detailed written records of all your efforts to resolve the disputed collection account.

If 4432935167 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If the company associated with the phone number 4432935167 is a debt collection agency and you want to get it removed from your credit report, there are several steps you can take.

First, you should request validation of the debt from the collection agency. This means asking them to provide proof that the debt is legitimate and that they have the right to collect it. They should provide documentation such as the original creditor’s name, the account number, and the amount owed. If they are unable to provide this information, you can dispute the debt with the credit bureaus and request that it be removed from your report.

If the debt is valid, you can try to negotiate a settlement with the collection agency. This involves reaching an agreement with them to pay a portion of the debt in exchange for them updating your credit report to show that the debt has been paid. It’s important to get this agreement in writing before making any payments.

You could also consider working with a credit repair company or credit counseling agency. These organizations can help you navigate the debt collection process and negotiate with the collection agency on your behalf. They may be able to help you come up with a repayment plan that works for you and can assist in getting the debt removed from your credit report.

Remember that removing a legitimate debt from your credit report may be difficult, but there are steps you can take to address it and minimize its impact on your credit. It’s important to be proactive, communicate with the collection agency, and seek professional assistance if needed.