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What Company Is Calling Me From 513-234-5403? Are They A Scam And Why Are They Calling Me?

Firstly, the company calling from the number 513-234-5403 is unknown. Many users have reported it as a debt collector or scam. Scammers can manipulate caller ID to make it appear as if they’re calling from a legitimate number. To determine if a call is a scam, it’s crucial to be cautious about sharing personal or financial information over the phone, especially if the call wasn’t initiated by you. To stop receiving unwanted calls, users can block the number using call blocking apps or contacting their phone carrier. Additionally, reporting unwanted calls to the Federal Trade Commission (FTC) can help identify and stop scammers.

How Can I Block Or Stop Calls From 513-234-5403?

If you are receiving calls from an unknown number like 513-234-5403, first identify if it’s a debt collector. To do this, let the call go to voicemail and check the message. If it is, follow these steps to block and stop the calls:

1. Contact your phone carrier to block the number permanently. Most major carriers offer call blocking through customer support or your online account.
2. Use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
3. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Once you’ve identified the calls as debt collectors, take further action:

1. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.
2. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights.
3. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

While blocking calls does not eliminate any legitimate debts owed, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 513-234-5403 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive or harassing debt collection practices. If you’re receiving calls from the number 513-234-5403, it’s essential to understand your rights and options under the FDCPA.

To document potential FDCPA violations, keep a record of the date, time, frequency, phone number, and details of all calls. Note if they call outside the allowed hours of 8 am to 9 pm in your time zone, and track any abusive or threatening language used.

Asserting your rights includes revoking any prior consent for calls outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter, and verbally requesting they stop calling during any conversation.

If you believe your rights have been violated, report the violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, contact your state Attorney General’s office, or ask a credit counselor for guidance on addressing the debt without further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 513-234-5403 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 513-234-5403 and suspect it’s a debt collector, first ask for their name, company, and the debt they are collecting. Legitimate collectors should provide this information. If it’s a debt collector, request written validation of the debt by sending a debt validation letter. Carefully review the validation and dispute any incorrect or unrecognized information in writing.

Once the debt is validated, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, requesting deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if the collector violates regulations.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 513-234-5403 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re receiving calls from 513-234-5403, it’s crucial to determine if it’s a legitimate debt collector or a scam. If it’s a debt collector, they have the authority to sue you for the outstanding debt. In the case of a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, consider:

1. Negotiating a lump-sum or installment payment plan in writing to show good faith efforts to pay.
2. Asserting your inability to pay and requesting the collector to cease contact.
3. Seeking guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hiring a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Considering bankruptcy if debts are overwhelming, but consult with an attorney first.
6. Thoroughly document calls, letters, and your efforts to address the debt for a clear record.

Before settling, make sure the proposed payment plan is realistically affordable based on your budget, and have any settlement terms or agreements in writing before making payments. Remember, a collector can still sue if you default on a settlement. Settling may be a practical choice to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights before making any decisions.

If 513-234-5403 Is A Collection Company, How Can I Remove It From My Credit Report?

If 513-234-5403 is a debt collection company, you can remove it from your credit report by following these steps:

1. First, verify if the debt is legitimate by requesting written confirmation from the collection agency.
2. Review the validation carefully and dispute any inaccuracies in writing.
3. Negotiate a pay-for-delete agreement in writing, offering a lump-sum settlement to remove the collection from your credit report.
4. Alternatively, propose a good faith partial settlement payment and request deletion as a gesture of goodwill.
5. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.
6. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
7. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
8. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

Remember to keep 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 through persistence and proper documentation.

What Feedback And Comments Do People Leave About 513-234-5403?

When people leave feedback and comments about the phone number 513-234-5403, they are mainly discussing debt collection efforts from First Source Advantage LLC and Gen Revenue Corporation. Users report receiving numerous voicemails and daily calls since February 2021, with caller ID showing “Gen Revenue” or “General Revenue.” These calls are often silent or end in a hang-up, causing suspicion and frustration. Users consider these calls unwanted and have reported the number as a scam or spam without providing consent to be contacted.

To address the issue, users should first identify if the call is from a debt collector or scammer. If it’s a debt collector, they can block the number using call blocking apps or contacting their phone carrier. It’s crucial to report unwanted calls to the Federal Trade Commission (FTC) and document details of the calls.

Furthermore, users should understand the Fair Debt Collection Practices Act (FDCPA) protections and assert their rights during debt collection calls. Requesting written validation of the debt and negotiating a settlement or payment plan can be helpful in resolving the situation.

It’s essential to understand the legal consequences of unpaid debts and explore strategies to avoid legal action. Validating the debt, disputing inaccuracies, and working with collection agencies or credit repair services can help resolve the issue. Lastly, report 513-234-5403 as unwanted and avoid answering calls from unknown numbers.

You must check your credit report

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