503-974-1392

What Company Is Calling Me From 503-974-1392? Are They A Scam And Why Are They Calling Me?

The phone number 503-974-1392 is connected to Verizon Wireless in Chicago, Illinois. Although there is no direct link to a specific company, the number is reported to leave no message and not connect when called back, which could suggest a potential scam or telemarketing call. It’s important to be cautious with unexpected calls and confirm the identity of the caller before disclosing any personal information. If you continue to receive undesired calls, report them to the relevant authorities or use call-blocking services to prevent future calls.

FACT: The company calling you from the number 503-974-1392 is likely a telemarketer or scammer, as the call does not connect when called back and leaves no message. To stay safe, be mindful and cautious when receiving unsolicited calls to protect your personal information and financial well-being.

How Can I Block Or Stop Calls From 503-974-1392?

First, if you receive calls from unknown numbers like 503-974-1392 and suspect it’s a debt collector, let the call go to voicemail and check the message. If it’s a debt collector, contact your phone carrier to block the number permanently. You can also use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, send a cease and desist letter via certified mail demanding no further calls. If your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice, send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

While blocking calls may stop harassment, it does not eliminate any legitimate debts owed. To address any outstanding debts, consult a non-profit credit counselor to help negotiate resolution of the debt. You can also speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Is 503-974-1392 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The information provided does not directly address whether 503-974-1392 is violating the Fair Debt Collection Practices Act (FDCPA). However, it does outline the key aspects of the FDCPA and your rights as a consumer. If you suspect a violation, you can file a complaint with the Federal Trade Commission (FTC) or your state attorney general’s office. You can also seek legal advice from a consumer protection attorney to help you understand your rights and potential remedies.

In essence, the FDCPA is a federal law that regulates debt collectors’ practices, ensuring consumer protection from abusive, deceptive, and unfair debt collection methods. Some essential provisions include identifying themselves and the debt, not calling before 8 a.m. or after 9 p.m., not using abusive or threatening language, and providing written notice of the debt. As a consumer, you have the right to request validation of the debt and to dispute it if you believe it is inaccurate.

If 503-974-1392 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 503-974-1392 is a debt collector and how to validate the debt, follow these steps:

1. Verify the identity of the caller and their affiliation with a debt collection agency.
2. If you suspect the call is from a debt collector, ask for written validation of the debt. This is your legal right under the Fair Debt Collection Practices Act (FDCPA).
3. Carefully review the validation letter for accuracy, checking your personal details, the creditor’s name, account number, and amount owed.
4. Dispute any inaccurate or unrecognized information in writing and request its removal from your credit report.

Once you have validated the debt, consider the following options:

1. Negotiate a reasonable settlement or payment plan in writing with the collector before making any payment.
2. Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. If the collector violates FDCPA regulations, assert your rights and document all correspondence and calls for potential complaints.
4. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution.
5. Seek legal advice from an attorney to understand if bankruptcy or other legal actions against the collector are viable options.

Remember, never ignore a potential debt collector. Confirm the debt’s legitimacy, exercise your consumer rights, and seek professional help to ensure a fair outcome.

Can 503-974-1392 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 503-974-1392 is a debt collector, they have the legal right to sue you and potentially garnish your wages if they obtain a court judgment. To avoid such actions, negotiate affordable payment plans, assert your inability to pay, seek advice from a credit counselor, or hire a consumer law attorney. Before settling on a debt, ensure the payment plan is manageable and get any settlement terms in writing. Settling can be a practical solution to avoid legal action, but make sure you can maintain the agreed-upon payments. Seek help to understand your options and rights before making any decisions.

If 503-974-1392 Is A Collection Company, How Can I Remove It From My Credit Report?

If 503-974-1392 is a debt collection company, it’s essential to first verify the debt by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Alternatively, hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Wait out 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, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Keep detailed written records showing your efforts to resolve the disputed collection account. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 503-974-1392?

People who have been called on the phone number 503-974-1392 have left mixed feedback about the calls they received. Two individuals, “0 Bush” and “Steve”, reported not receiving messages from the unknown caller on September 21, 2016. When “Steve” attempted to call back, the number did not connect. The number is associated with an unidentified company and its purpose is uncertain. It is registered under Verizon Wireless in Chicago, Illinois, with a cellular and dedicated registration type. The number has been active in various zip codes in Chicago. Based on the limited feedback, the number may be linked to unsolicited calls for telemarketing or other undesired purposes.

To protect yourself from potential scams or unwanted calls, it is crucial to verify the identity of the caller before providing any personal information. If you are receiving unwanted calls, report them to authorities or use call-blocking services to prevent future contact. Determine if the call is from a debt collector and familiarize yourself with their practices under the Fair Debt Collection Practices Act (FDCPA). If you are dealing with a legitimate debt, negotiate a settlement or payment plan and safeguard your consumer rights.

In cases where the debt is overwhelming, consider legal action or bankruptcy. Validate the debt’s legitimacy, dispute inaccuracies, and negotiate removal from your credit report. Seek assistance from a consumer protection attorney or credit repair service to resolve the issue. Additionally, research the phone number 503-974-1392 and report any relevant information to the appropriate authorities.