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What Company Is Calling Me From 8167889987 And Why Are They Calling? Are They A Debt Collector?

The phone number 8167889987 is associated with Kansas Counselors Inc (KCI), a debt collection agency based in Lenexa, Kansas. They specialize in collecting healthcare, government, and utility debts. Complaints have been made about aggressive tactics, calls regarding incorrect or invalid debts, and false threats of legal action. It is advised not to contact KCI directly and to understand your debt validation rights before making any payments.

If you receive calls from 8167889987 on behalf of KCI, it’s important to know your consumer rights. If you don’t recognize the debt or believe it to be invalid, it’s recommended not to provide payment information. Seeking legal advice is advised to understand your options and protect your rights.

To get a comprehensive understanding of your financial situation, consider pulling a 3-bureau credit report. IdentityIQ is a reputable provider that offers this service, allowing you to access your credit information from TransUnion, Equifax, and Experian. This can help you monitor your credit, detect inaccuracies or fraud, and make informed decisions about your financial health.

Be cautious when dealing with debt collectors and seek professional advice if needed to ensure your rights are protected. Remember that understanding your rights and options is crucial when it comes to dealing with debt collection agencies.

How Can I Block Or Stop Calls From 8167889987?

If you’re getting calls from the number 8167889987 and think it might be a debt collector, here’s how you can block or stop these calls. Let unknown calls go to voicemail and check for any messages from potential debt collectors. Avoid answering unknown calls to avoid engaging with collectors.

Once you confirm the caller is a debt collector, you have a few options to block future calls. Contact your phone carrier to permanently block the number. Major carriers often offer call blocking services through customer support or your online account. You can also use call blocking apps like Nomorobo or Hiya, which automatically filter and block unwanted calls. For smartphones, set contacts not in your address book to go to voicemail or be blocked.

You can also send a cease and desist letter to the debt collector via certified mail, formally requesting no further contact. Keep detailed records of all calls to demonstrate harassment if legal action becomes necessary.

Additionally, address any underlying debts by consulting a non-profit credit counselor who can help negotiate with the debt collector. Consider contacting a consumer protection attorney if there are violations or if you need assistance with potential lawsuits.

Remember that blocking calls doesn’t eliminate legitimate debts, but taking these steps can stop harassment while you work on resolving your debts.

What Are My Rights As A Consumer Regarding Calls From 8167889987 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to understand your rights regarding calls from the number 8167889987 under the Fair Debt Collection Practices Act (FDCPA). If these calls violate the FDCPA, you have the ability to take action and seek assistance. To ensure you have evidence of potential violations, keep a record of the date, time, frequency, phone number, and details of all calls. Pay attention if the calls occur outside the permitted hours of 8am – 9pm in your time zone, unless you have given consent for other hours. Also note if they repeatedly call within a short period or use abusive language.

To assert your rights, take steps such as revoking any prior consent given to be contacted outside normal hours by providing a written notice. If your workplace prohibits calls, formally request that they stop contacting you there. Another option is to send a cease and desist letter by certified mail, demanding no further contact by phone. During any conversation, you can also verbally request that they cease calling.

If you require additional assistance, report any violations with the necessary documentation to the Consumer Financial Protection Bureau. They have the authority to open an investigation into the matter. It is advisable to consult with a consumer protection attorney who can provide guidance on your rights and options, including the possibility of filing a lawsuit for damages. Additionally, reach out to your state Attorney General’s office if you believe there have been violations of the FDCPA. Seeking advice from an experienced credit counselor can also help you manage the debt while reducing collection calls.

Remember that debt collectors are required to follow FDCPA regulations. By maintaining detailed records and asserting your rights, you can protect yourself from further harassment.

If Company From 8167889987 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If a company from 8167889987 is a debt collector, you can validate the debt by requesting written validation through a debt validation letter. The collector must provide this information under the Fair Debt Collection Practices Act (FDCPA). Review the validation carefully for accuracy, including personal details, creditor name, account number, and amount owed. If there are any errors or unrecognized information, dispute it in writing to remove it from your credit report.

Once the debt is verified, you have several options to address it. You can negotiate a lump-sum settlement or a payment plan in writing before making any payment. If you can afford it, you may offer a partial payment of 30-50% of the balance and request removal from your credit report. Should the debt collector violate regulations, you can assert your rights under the FDCPA. Consider seeking guidance from a non-profit credit counseling agency for assistance with negotiating debt resolution. In more complex situations, it may be necessary to consult an attorney to explore options like bankruptcy or legal action against the collector. Keep detailed records of all interactions and consider revoking any prior permission for the collector to contact you outside FDCPA guidelines.

Do not ignore a potential debt collector. Take the necessary steps to validate the debt and exercise your consumer rights under federal and state laws. Seeking help from professionals can ensure a fair outcome in resolving the debt. Pulling a three-bureau credit report through IdentityIQ can provide a comprehensive view of your credit history and help you understand any potential impact from the debt collection.

Can The Company From 8167889987 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8167889987 is indeed a legitimate debt collector, they have the power to sue you and garnish your wages if you owe a debt. To protect yourself, it is essential to negotiate feasible payment options in writing and demonstrate a sincere effort to repay the debt. In some cases, you can communicate your inability to pay and request that they stop contacting you, but it’s important to note that they may still proceed with legal action. To navigate this challenging situation, consider seeking guidance from a non-profit credit counselor or enlisting the help of a consumer law attorney who can provide valuable insights into your rights and protections under the Fair Debt Collection Practices Act (FDCPA) and state laws. If the debts are overwhelming, bankruptcy might be an option worth exploring, but it’s crucial to consult with an attorney before making any decisions. Throughout this process, make sure to keep detailed records of all communication and efforts made to address the debt. Before settling, thoroughly evaluate whether the proposed payment plan is realistically affordable for you, and ensure that all settlement terms are documented in writing. It’s important to be cautious not to agree to payments that you realistically cannot maintain, as a collector can still sue you if you default on a settlement. Seek assistance to fully understand your options and rights before committing to any agreements.

If 8167889987 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8167889987 is a collection company, the first step is to request written confirmation to validate the debt’s legitimacy. Carefully review the validation to ensure that all personal details and debt information are accurate.

In the event that any information is incorrect, it is important to send a written dispute to the collection agency. State clearly that the debt is inaccurate according to the Fair Credit Reporting Act and demand the removal of the collection tradeline from your credit file.

If the collector verifies the validity of the debt, there are several active steps you can take to potentially remove it. These include negotiating a pay-for-delete agreement in writing, offering a good faith partial settlement payment with a deletion request, seeking assistance from a credit repair service for formal dispute assistance, waiting for the 7-year credit reporting time limit, filing a complaint with the Consumer Financial Protection Bureau, or consulting a consumer law attorney.

Throughout this process, it is crucial 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 significantly increase the chances of removing collections from your credit report through persistence and proper documentation.