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What Company Is Calling Me From 8014123932 And Why Are They Calling? Are They A Debt Collector?

The phone number 801-412-3932 belongs to a debt collection agency called Express Recovery Services based in Salt Lake City, Utah. They are contacting individuals to collect unpaid debts on behalf of creditors. Express Recovery Services is the registered owner of the number 801-412-3932, as stated on their website.

Reports from users indicate that calls from 801-412-3932 can be forceful and intimidating, with callers demanding immediate payment for alleged debts. It is crucial to verify the authenticity of any debt before sharing personal information or making payments.

If you receive a call from 801-412-3932, exercise caution and avoid providing any personal or financial information until you have confirmed the legitimacy of the debt. It is advisable to request written confirmation of the debt. In case the calls become threatening or harassing, it is recommended to file complaints with the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), Better Business Bureau (BBB), and your state attorney general.

To ensure your credit management and verify your outstanding debts, a practical solution is to obtain a three-bureau credit report through IdentityIQ. This service can help you stay informed about any unpaid debts and safeguard your identity.

How Can I Block Or Stop Calls From 8014123932?

If you’re dealing with unwanted calls from 8014123932, it’s important to take action to protect yourself. Here are some steps you can follow:

First, it’s crucial to determine if the caller is a debt collector. To avoid engaging with potential collectors, let unknown calls go to voicemail and avoid answering directly.

Next, you can block further calls from the number. Get in touch with your phone carrier and request a permanent block on the number. Alternatively, you can use call-blocking apps like Nomorobo or Hiya, which automatically filter out unwanted numbers at the network level. On smartphones, you can also set contacts not in your address book to go straight to voicemail or be blocked.

To ensure no further contact, consider sending a cease and desist letter via certified mail. This letter should demand that the caller stops contacting you. Additionally, familiarize yourself with your state laws, as they may have regulations beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice. If necessary, you can invoke these rights. It’s essential to keep detailed records of all calls for potential legal action.

Finally, addressing the underlying debt is crucial. Consult a non-profit credit counselor who can help you negotiate a resolution for the debt. Additionally, consider speaking to a consumer protection attorney who can guide you regarding your rights and potential lawsuits if the collector violates regulations. Remember to monitor your voicemails for messages from identified collectors.

By taking these proactive steps, you can effectively block unwanted calls while also addressing any outstanding debts. Keep in mind that blocking calls doesn’t eliminate any legitimate debts you may owe.

What Are My Rights As A Consumer Regarding Calls From 8014123932 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections and rights as a consumer when it comes to calls from the number 8014123932. It is important to document any potential violations of the FDCPA. Keep a record of the date, time, frequency, phone number, and details of all calls to establish a record of potential harassment or other violations. Be sure to note if they call outside the allowed hours of 8am – 9pm in your time zone and if they repeatedly call over a short period or use abusive language.

Asserting your rights is crucial in dealing with these calls. Start by revoking any prior consent given to call outside normal hours in writing. If your workplace prohibits such calls, request that they cease contact at your workplace. Send a cease and desist letter via certified mail, demanding no further contact by phone. Additionally, verbally request that they stop calling during any conversation.

Seeking assistance on your next steps is advisable. Report any violations, along with your documentation, to the Consumer Financial Protection Bureau in order to initiate an investigation. Consult with a consumer protection attorney who can provide you with guidance regarding your specific rights and options, which may include suing for damages. If you believe that FDCPA violations have occurred, contact your state Attorney General’s office for further guidance. You can also seek advice from an experienced credit counselor on how to address the debt without incurring further collection calls.

Remember, collectors are required to adhere to the FDCPA when contacting you. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors and ensure that your rights as a consumer are protected.

If Company From 8014123932 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company from 8014123932 is a debt collector, it’s important to validate the debt by requesting written validation through a debt validation letter. The FDCPA legally requires this process. Carefully review the validation provided, checking for accuracy in personal details, creditor name, account number, and amount owed. Should you find any incorrect or unrecognized information, dispute it in writing and request removal from your credit report.

Once the debt has been validated, you have various options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If the amount is manageable, you may offer a partial payment of 30-50% of the balance and request deletion from your credit report as part of the agreement. Should the debt collector violate regulations during the collection process, you can assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can offer valuable assistance in negotiating debt resolution. Additionally, consulting with an attorney can help determine whether bankruptcy or legal action against the collector are viable options. Remember to maintain detailed records of all correspondence and calls to support any potential complaints, and consider revoking any prior permission you granted for the debt collector to contact you outside of FDCPA guidelines.

Ignoring a potential debt collector is never advisable. Always ensure the validity of the debt and exercise your consumer rights under federal and state law. Seeking professional help can lead to a fair outcome and resolution. Furthermore, consider obtaining a three-bureau credit report through IdentityIQ for a comprehensive overview of your credit profile and any potential debts.

Can The Company From 8014123932 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you’ve been receiving calls from the company linked to the number 8014123932, and they happen to be a debt collector, it’s possible that they might take legal action against you or try to garnish your wages if the debt is valid. In the event that they obtain a court judgment, they have the authority to pursue legal measures to recover what you owe.

To steer clear of legal repercussions and settle the debt, there are steps you can take. Engaging in negotiations for affordable lump-sum or installment payments in written form demonstrates your willingness to repay the debt in good faith. You can also assert your inability to pay and request them to stop contacting you, although this may not entirely prevent a lawsuit. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can provide you with insight into your rights and protections as outlined by the FDCPA and state laws. Depending on your financial situation, it may be worth considering bankruptcy as an option, but consulting with an attorney is important.

Before agreeing to a settlement, carefully evaluate the proposed payment plan and ensure that it is realistically feasible with your budget. Obtain written documentation of any settlement terms or agreements before making any payments, and be aware that a collector can still take legal action if you fail to adhere to the settlement. Settling can be a suitable choice to avoid legal consequences, but make sure not to agree to payments that are beyond your realistic means. Seek assistance to fully comprehend your options and rights before reaching any decisions.

If 8014123932 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 8014123932 is a collection company on your credit report, the first step is to validate the debt. Request written confirmation and carefully review the details for accuracy. If there are any inaccuracies, you can send a written dispute to the collection agency, citing the Fair Credit Reporting Act and requesting removal from your credit file.

If the debt is confirmed to be valid, you have several options to potentially remove it from your credit report. One option is to negotiate a pay-for-delete agreement, which involves settling the debt in exchange for removal. This typically requires a lump-sum settlement. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although removal is not guaranteed without a formal agreement.

You can also consider hiring a credit repair service to dispute the debt on your behalf and provide legal resources for removal assistance. Alternatively, 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 determine if the collector’s actions warrant a lawsuit for removal and damages.

Throughout the process, it is important to keep detailed written records of your efforts to resolve the disputed collection account. By validating debts, negotiating with collectors, and asserting your rights, you can persistently work towards removing collections from your credit report. Remember to prioritize determining the legitimacy of the debt before taking any action.

You must check your credit report

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