612-808-5562

What Company Is Calling Me From 612-808-5562? Are They A Scam And Why Are They Calling Me?

The company calling from 612-808-5562 is First National Collection, a debt collector based in Minneapolis, Minnesota. They have also used this number for telemarketing purposes, such as free publication offers and renewal subscriptions for Computer World magazine. Some users have reported computer-generated calls and unwanted contact. It is unclear if this number is a scam, but users can report the number or block it on their phone if they find the calls unwanted or suspicious.

To identify if it’s a debt collector, let unknown calls go to voicemail and block the number. If the call is from a debt collector, send a cease and desist letter to stop the calls. Understand your rights during debt collection calls, document call details, and assert your rights under the Fair Debt Collection Practices Act (FDCPA).

To validate the debt, request written validation from the collector, dispute any inaccuracies, and negotiate a settlement or payment plan. If legal action is threatened, understand the potential consequences and consider your options before settling. To remove the debt from your credit report, validate the debt, dispute inaccuracies, and negotiate a pay-for-delete or partial settlement with the collector.

Finally, users have reported concerns about the lack of action taken against these calls. Keep track of your experiences and share feedback with others to raise awareness and potentially prompt more effective action against unwanted calls.

How Can I Block Or Stop Calls From 612-808-5562?

To stop unwanted calls from a number like 612-808-5562, first let the calls go to voicemail and do not answer directly. If the unknown caller leaves a message about a debt, contact your phone carrier to block the number or use a call blocking app like Nomorobo or Hiya.

Next, identify if the call is from a debt collector and send a cease and desist letter via certified mail, demanding no further calls. Check your state laws for additional protections and include those in your letter. Keep detailed records of calls as evidence of harassment.

Address the underlying debt by consulting a non-profit credit counselor for negotiation assistance. If the collector violates regulations, consider speaking to a consumer protection attorney about your rights and potential lawsuits. Blocking calls won’t eliminate any owed debts, but taking action can stop harassment and help address outstanding debts.

Is 612-808-5562 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 612-808-5562 is associated with First National Collection, a debt collector in Minneapolis, Minnesota. It is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) during these calls.

To document potential FDCPA violations, make note of the date, time, frequency, phone number, and details of all calls. Take note if they call outside the allowed hours of 8am – 9pm in your time zone, call repeatedly over a short period, or use abusive language.

Exercise your rights by revoking any consent given for calls outside normal hours, requesting them to cease contact at your workplace, sending a cease and desist letter, or verbally requesting them to stop calling during any conversation.

If you suspect FDCPA violations, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. Additionally, you can ask a credit counselor for assistance in addressing the debt without incurring further collection calls.

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

If 612-808-5562 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 612-808-5562 is a debt collector, your first step should be to validate the debt. You can do this by requesting written validation of the debt, as required by the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for your personal details, creditor name, account number, and amount owed. If there is any incorrect or unrecognized information, dispute it in writing and request removal from your credit report.

Once the debt is validated, you have several options. You can negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. If you can afford it, offer to pay 30-50% of the balance and request deletion from your credit report in exchange. You can also assert your rights under the FDCPA if the collector violates regulations during collection. You may also want to consult a non-profit credit counseling agency for guidance on debt resolution. If necessary, consider contacting an attorney to discuss bankruptcy or legal action against the collector.

Always keep detailed records of all correspondence and calls, as this may be useful for potential complaints. If the collector contacts you outside of FDCPA guidelines, revoke any prior verbal or written permission. The most important thing is to never ignore a potential debt collector. Confirm if the debt is valid, exercise your consumer rights under federal and state law, and seek help from professionals to ensure a fair outcome.

Can 612-808-5562 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 612-808-5562 is a debt collector, they could potentially sue you or garnish your wages if you owe them money. To avoid legal action, try negotiating an affordable payment plan in writing, asserting your inability to pay and requesting they cease contact, or seeking guidance from a non-profit credit counselor. Hiring a consumer law attorney can help you understand your rights under the FDCPA and state law. Consider bankruptcy if debts are overwhelming, but consult with an attorney first. Thoroughly document all calls and communications with the collector.

Before settling, ensure the proposed payment plan is affordable based on your budget, get any settlement terms in writing, and be aware that the collector can still sue if you default on a settlement. Make sure the lump sum you agree to is realistically affordable to avoid long-term financial harm. Seek assistance to understand your options and rights before agreeing to any settlement.

If 612-808-5562 Is A Collection Company, How Can I Remove It From My Credit Report?

If 612-808-5562 is a debt collection company, you can remove it from your credit report by first validating the debt to ensure it is legitimate. Request written confirmation of the debt and review it carefully for accuracy. If any information is incorrect, dispute the debt in writing, stating it is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources to assist in getting it removed is another option.

You can also 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, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another step to consider.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 612-808-5562?

Firstly, 612-808-5562 is associated with First National Collection, a debt collector based in Minneapolis, Minnesota. Users have complained about numerous calls without messages, staticy computer-generated calls, and instances of dead air. A lot of people have raised concerns about the lack of action taken against these calls.

To determine if 612-808-5562 is a debt collector, allow unknown calls to go to voicemail, block the number, and send a cease and desist letter. If you suspect it is a debt collector, familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) to understand your rights during debt collection calls. Document call details and assert your rights under the FDCPA.

If you owe the debt, request written validation, dispute inaccuracies, and negotiate a settlement or payment plan. If you do not owe the debt, consider taking legal action against the debt collector for violating the FDCPA. However, be cautious before settling or engaging in legal action, as it may have consequences on your credit report.

To remove the debt from your credit report, validate the debt, dispute inaccuracies, and negotiate a pay-for-delete or partial settlement. Users have reported issues with computer-generated calls, unwanted contact, and concerns about the lack of action taken against these calls.