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What Company Is Calling Me From 8128506753 And Why Are They Calling? Are They A Debt Collector?

The company calling you from 812-850-6753 is United Collection Bureau, Inc. (UCB), a legitimate debt collection agency based in Muncie, Indiana. They are reaching out to you because you have an outstanding debt that has been placed with them for collection by the original creditor. UCB is committed to complying with consumer protection laws, including the Fair Debt Collection Practices Act.

If you do not recognize the debt or believe that you do not owe it, you have the right to request written validation and proof of the debt from UCB. You can inform them that you refuse to make any payments or arrangements over the phone and request that they only contact you by mail. It’s crucial to be aware of your rights and assert them if necessary.

In case the calls from UCB become excessive or harassing, you have the option to send them a cease and desist letter, which legally requires them to stop contacting you. However, it’s important to address any legitimate unpaid debts promptly to avoid further consequences. Taking appropriate action and resolving the debt can help you alleviate any potential issues and protect your financial well-being.

Remember, addressing outstanding debts responsibly is important for maintaining good financial health.

How Can I Block Or Stop Calls From 8128506753?

If you are receiving calls from the number 8128506753 and want to stop them, follow these steps:

First, determine if it is a debt collector. Allow unknown calls to go to voicemail and avoid answering directly. Debt collectors may leave messages regarding debt collection.

Next, block the calls. Contact your phone carrier to permanently block the number. You can also use call-blocking apps like Nomorobo or Hiya to automatically filter out the number. For smartphones, set unknown contacts to go straight to voicemail or be blocked.

Then, formally request no further contact. Send a cease and desist letter via certified mail, demanding that the collector stops calling you. Check your state’s laws beyond the Fair Debt Collection Practices Act (FDCPA) for additional regulations on collection calls without written notice. Include these rights in your cease and desist letter.

Lastly, seek help with your debt. Consult a non-profit credit counselor to negotiate a resolution for the debt. If the collector violates regulations, consider speaking to a consumer protection attorney, as you may have rights and potential legal recourse.

Remember, blocking calls does not eliminate any legitimate debts owed. Take proactive steps to stop harassment while addressing your outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8128506753 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), consumers have specific rights when it comes to debt collection calls, even from the number 8128506753. To determine if the caller is violating the FDCPA, note any potential violations such as calls outside the permissible hours (8am-9pm in your time zone), repeated calls within a short timeframe, or the use of abusive or threatening language.

To exercise your rights, you can revoke any consent previously given to contact you outside normal hours by providing a written notice. If you are prohibited from receiving calls at your workplace, formally request that they refrain from contacting you there. Additionally, you can send a certified cease and desist letter to demand that the caller stops contacting you by phone. During any conversation, you can also verbally request that they cease calling.

If you suspect FDCPA violations, gather evidence and report them to the Consumer Financial Protection Bureau for investigation. Seek guidance from a consumer protection attorney to better understand your rights and explore potential legal options. For further assistance, consider reaching out to your state Attorney General’s office. It may also be beneficial to consult with an experienced credit counselor who can provide advice on how to address the debt while minimizing collection calls.

Always keep detailed records of all calls and assert your rights to prevent any harassment from debt collectors.

If The Company From 8128506753 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 8128506753 is a debt collector, it is crucial to validate the debt. To do so, you must send a written validation request in the form of a debt validation letter, which is required by the FDCPA. When you receive the validation, carefully review it for accuracy, including personal information, creditor name, account number, and amount owed. If you find any incorrect or unrecognized information, challenge it in writing and request removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan, but be sure to do so in writing before making any payments. If it is affordable for you, consider offering a partial payment of 30-50% of the balance and request deletion from your credit report as a condition. If the debt collector violates any regulations during the collection process, assert your rights under the FDCPA. Seek assistance from a non-profit credit counseling agency to help negotiate a resolution for your debt. Additionally, consult with an attorney to explore other options like bankruptcy or taking legal action against the collector. Keep detailed records of all communication and consider filing complaints if necessary. Lastly, revoke any previous permission you may have given to contact you outside the guidelines of the FDCPA.

Remember, it is important to never ignore a potential debt collector and take steps to validate the debt and protect your consumer rights. Seeking professional help can ensure a fair resolution to the situation. To gain further insight into your financial standing and address any discrepancies, consider obtaining a 3 bureau credit report from IdentityIQ.

Can The Company From 8128506753 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8128506753 is a legitimate debt collector, they have the potential to sue you and garnish your wages or bank accounts if they receive a court judgment. To avoid legal action, it’s important to negotiate affordable lump-sum or installment payments in writing, assert your inability to pay, and request that they stop contacting you. Seeking guidance from a non-profit credit counselor or consumer law attorney and considering bankruptcy may also be helpful if your debts are overwhelming. Before agreeing to settle, carefully consider the affordability of the proposed payment plan, obtain settlement terms in writing, and understand that defaulting on a settlement can still result in legal consequences. Settling can be a viable option, but it’s crucial not to agree to payment terms that you cannot realistically maintain. Seek assistance in understanding your options and rights before making any decisions.

Additionally, it is advisable to obtain a 3-bureau credit report from IdentityIQ to gain a comprehensive overview of your credit history and any outstanding debts. This will provide you with a better understanding of your financial situation and enable you to make informed choices regarding settlement or alternative approaches.

If 8128506753 Is A Collection Company, How Can I Get It Removed From My Credit Report?

To remove 8128506753, a collection company, from your credit report, start by validating the debt’s legitimacy. Request written confirmation and carefully review it for accuracy. If any information is incorrect, write a dispute to the collection agency, citing the Fair Credit Reporting Act and demanding removal of the collection tradeline.

If the debt is validated, consider negotiating a pay-for-delete agreement. Settle the debt in writing and request its removal in exchange. Alternatively, offer a good faith partial settlement payment and ask for deletion as a gesture of goodwill, though it’s not guaranteed without a formal agreement. You can also hire a credit repair service to formally dispute the debt on your behalf, utilizing legal resources to help get it removed.

If these options don’t work, wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. You can also file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consulting a consumer law attorney can also be helpful to determine if the collector has broken laws, potentially enabling you to sue for removal and damages.

Throughout the process, keep detailed written records of your efforts to resolve the disputed collection account. Persistence and proper documentation are essential in successfully removing collections from your credit report. However, make sure to verify the legitimacy of the debt before taking any action.