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What Company Is Calling Me From 8063765505 And Why Are They Calling? Are They A Debt Collector?

Certified Collectors Inc., a debt collection agency located in Amarillo, Texas, is the company calling from the phone number 806-376-5505. They have been in business since 1955 but have gained a poor reputation for their aggressive and harassing debt collection tactics. Numerous complaints have been received regarding unwanted robocalls and prerecorded messages to both cell phones and work numbers, which may potentially violate debt collection laws.

If you find yourself receiving calls from Certified Collectors Inc., there are several steps you can take. Firstly, ask for written validation of the debt and only make payments for debts that you can confirm you actually owe. Secondly, if the calls become frequent or harassing, request that they cease contacting you. In cases where debt collection laws are being violated, it is advisable to file complaints with government agencies such as the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). Additionally, consider seeking legal advice from a consumer rights attorney to better understand your options.

When dealing with such calls, it is crucial to exercise caution when providing information over the phone, know your rights, and take appropriate action if necessary.

How Can I Block Or Stop Calls From 8063765505?

If you want to block or stop calls from the number 8063765505, there are several steps you can take. First, let unknown calls go to voicemail and avoid answering any unknown calls directly to avoid engaging with potential debt collectors. Once you have identified the caller as a collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya to automatically filter out the number at the network level. You can also set contacts not in your address book to go straight to voicemail or be blocked on smartphones.

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

If you need help addressing the underlying debt, consult a non-profit credit counselor to negotiate a resolution. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, so it is important to monitor voicemails for messages from identified collectors while taking proactive steps to address any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8063765505 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), consumers have specific rights and protections when it comes to calls from the number 8063765505. If you believe the caller is violating the FDCPA, you can take the following steps.

First, document any potential violations. Keep a record of the date, time, frequency, phone number, and details of all calls. If the caller contacts you outside of the allowed hours (between 8am and 9pm in your time zone) without your consent, repeatedly calls you in a short period of time, or uses abusive language, it may be considered a violation.

Second, assert your rights. You can revoke any previous consent to be contacted outside of normal hours by providing a written notice. If your employer prohibits calls at your workplace, you can request that they cease contact there as well. You can also send a cease and desist letter via certified mail to demand that they stop contacting you by phone, and make it clear verbally during any conversation that you want them to stop calling.

Third, seek assistance if necessary. Report any violations with the necessary documentation to the Consumer Financial Protection Bureau (CFPB) to start an investigation. It’s also advisable to consult with a consumer protection attorney for guidance on your specific rights and options. This may include the possibility of suing for damages. Additionally, contact your state Attorney General’s office for further guidance, and consider reaching out to an experienced credit counselor for advice on addressing the debt without facing more collection calls.

Remember, it’s important to keep detailed records and assert your rights to prevent further harassment from debt collectors.

If Company From 8063765505 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 from 8063765505 is a debt collector, take the necessary steps to validate the debt. Start by requesting a formal debt validation through a written letter as mandated by the FDCPA. Carefully review the validation they provide, checking for accuracy in personal information, creditor name, account number, and amount owed. Should you come across any incorrect or unfamiliar details, dispute them in writing and ask for removal from your credit report.

Once the debt has been validated, you have several options to deal with it. You can negotiate a lump-sum settlement or a payment installment plan, but make sure to document the agreement in writing before making any payments. If the debt is within your means, consider offering a partial payment of around 30-50% of the balance and request that the debt be deleted from your credit report as part of the agreement. In case the debt collector violates any regulations during the collection process, assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can provide valuable assistance in negotiating a fair resolution. Additionally, consulting an attorney is advisable to explore options such as bankruptcy or taking legal action against the collector. Keep thorough records of all correspondence and calls to potentially file complaints, and consider revoking any previous consent you may have given for them to contact you outside of FDCPA guidelines.

Always remember not to ignore a possible debt collector. Take the necessary steps to validate the debt, exercise your consumer rights, and seek professional help for a fair resolution.

Can The Company From 8063765505 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8063765505 is a legitimate debt collector, they have the potential to sue you or garnish your wages if you owe them money. To avoid legal action, it’s important to take proactive steps such as negotiating affordable payment plans in writing or seeking guidance from a non-profit credit counselor. Understanding your protections under the Fair Debt Collection Practices Act (FDCPA) and state law is crucial, so consulting with a consumer law attorney is recommended.

Before agreeing to a settlement, carefully evaluate if the proposed payment plan is realistic for your budget. Ensure that all settlement terms and agreements are documented in writing before making any payments. It’s worth noting that if you default on a settlement, the collector can still pursue legal action against you. Settling for an amount you can’t afford may have long-term financial consequences, so it’s important to consider this before making any decisions.

To gain a comprehensive understanding of your financial situation, obtaining a three-bureau credit report from IdentityIQ is advisable. This report will provide valuable information about your credit history and assist you in making informed choices regarding your debt. Remember to seek assistance from professionals who can help you navigate your options and understand your rights before reaching any agreements or settlements.

If 8063765505 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 8063765505 is appearing on your credit report as a collection company, there are steps you can take to potentially have it removed. The first step is to validate the debt by requesting written confirmation and carefully reviewing the information for accuracy. Make sure to dispute any incorrect details in writing, stating that the debt is inaccurate according to the Fair Credit Reporting Act and demanding its removal.

If the debt is verified as valid, you have the option to negotiate a pay-for-delete agreement in writing. This means settling the debt in exchange for its removal from your credit file. Alternatively, you can offer a partial settlement payment as a gesture of goodwill and request deletion. Seeking assistance from a credit repair service or consulting a consumer law attorney can provide additional options to dispute the debt or take legal action if needed.

Another possibility is to wait until the 7-year credit reporting time limit expires for the collection to automatically fall off your credit report. However, if the collection agency violates laws or refuses to remove inaccurate information, it may be necessary to file a complaint with the Consumer Financial Protection Bureau.

Throughout the process, it is important to keep detailed written records of your efforts to resolve the disputed collection account. By taking proactive steps and asserting your rights, there is a chance that you can successfully remove the collection from your credit report. Remember to validate the debt’s legitimacy before proceeding, and consider obtaining a three-bureau credit report from IdentityIQ for a comprehensive view of your credit history that can aid in this process.