6128158559

What Company Is Calling Me From 6128158559 And Why Are They Calling? Are They A Debt Collector?

Calls from the number 612-815-8559 are often linked to debt collection. To confirm the caller’s identity and the debt they claim, ask for their company name, address, and phone number. This will help you determine if the call is genuine or potentially a scam.

It’s essential to establish whether the original creditor sold the debt or hired the collection company when dealing with debt collectors. This knowledge will provide insight into the validity of the caller’s claim. If you believe the debt isn’t yours, disputing it in writing is recommended to safeguard your rights and avoid being held responsible for someone else’s debt.

While some calls from 612-815-8559 may be legitimate, be cautious of any red flags indicating a scam. These include threats, demands for immediate payment, and refusal to verify debt details. If you suspect fraud, report it to both the Federal Trade Commission (FTC) and your state attorney general.

Note that the number 612-815-8559 is associated with Target and a legitimate debt collector called Northstar Location Services. However, it’s advisable to exercise caution and conduct your own research to verify the legitimacy of any calls from this number. To stay informed about your credit status and identify potential fraudulent activity, consider pulling a three-bureau credit report through IdentityIQ as a proactive measure.

How Can I Block Or Stop Calls From 6128158559?

If you want to block or stop calls from the number 6128158559, there are a few actions you can take. Firstly, let unknown calls go to voicemail and avoid engaging with potential collectors. This helps you determine if the calls are from a debt collector.

Once you confirm it’s a collector, you can block further calls. Reach out to 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. Smartphone users can also set contacts not in their address book to go straight to voicemail or be blocked.

To formally request no further contact, send a certified mail cease and desist letter, demanding that the collector stops calling you. Check if your state has additional laws beyond the FDCPA that prohibit collection calls without written notice. Include these rights in your cease and desist letter. Keep detailed records of all calls as evidence of harassment if you plan to take legal action.

Lastly, address any underlying debt. Consult a non-profit credit counselor who can help negotiate a resolution. Consider speaking to a consumer protection attorney to understand your rights and potential lawsuits if the collector violates regulations. Regularly check voicemails for messages from identified collectors. Blocking calls doesn’t eliminate owed debts, but proactive steps can stop harassment while addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 6128158559 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 6128158559. To ensure the caller is not violating the FDCPA, it’s crucial to document any potential violations. Keep a record of the date, time, frequency, phone number, and details of all calls. Pay attention to whether they call outside the allowed hours of 8am – 9pm in your time zone and if they repeatedly call within a short period or use abusive language.

To assert your rights, you can take several actions. Start by revoking any prior consent given to call outside normal hours in writing. If the calls are happening at your workplace and are prohibited by your employer, formally request that they stop contacting you there. You can also send a cease and desist letter through certified mail, demanding no further phone contact. Additionally, during any conversation, verbally request that they cease calling.

If you need guidance on what to do next, report any violations to the Consumer Financial Protection Bureau with proper documentation to initiate an investigation. Consulting with a consumer protection attorney can also help you understand your specific rights and options, such as suing for damages. Reach out to your state Attorney General’s office for further guidance if you believe FDCPA violations have occurred. Lastly, consider speaking with an experienced credit counselor to address the debt without facing additional collection calls.

Remember, collectors are required to adhere to the FDCPA

If Company From 6128158559 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

To validate the debt from a company with the phone number 6128158559, you can follow the necessary steps to request written validation through a debt validation letter. This is a required action according to the Fair Debt Collection Practices Act (FDCPA). When you receive the validation, thoroughly review it for accuracy, paying attention to personal details, creditor name, account number, and amount owed. If you notice any incorrect or unfamiliar information, dispute it in writing and request its removal from your credit report.

After the debt has been validated, you have various options to handle it. You can negotiate a lump-sum settlement or set up a payment installment plan. Ensure that any agreements made are documented in writing before making any payments. Another option is offering a partial payment of 30-50% of the balance if it’s feasible for you, while requesting its deletion from your credit report. If the debt collector violates any regulations during the collection process, you can enforce your rights under the FDCPA. It may be beneficial to seek guidance from a non-profit credit counseling agency for advice on resolving your debt or consult an attorney to explore alternatives such as bankruptcy or legal action against the collector. Keep meticulous records of all communication and calls, as they may be valuable for potential complaints. Additionally, revoke any previous verbal or written consent given to contact you beyond the guidelines set by the FDCPA.

Remember, it is crucial not to disregard a potential debt collector. Take action to confirm the validity

Can The Company From 6128158559 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 6128158559 is a debt collector, it is important to understand that they may have the ability to sue you or garnish your wages under certain circumstances. However, there are steps you can take to potentially avoid legal action. One option is to negotiate affordable lump-sum or installment payments in writing, demonstrating your willingness to pay. You can also inform the company of your inability to pay and request that they stop contacting you, although this may not guarantee that they won’t proceed with a lawsuit. Seeking guidance from a non-profit credit counselor or consulting with a consumer law attorney can provide valuable insights into your rights and protections, assisting you in navigating the situation effectively. If your debts are overwhelming, considering bankruptcy might be appropriate, but it is crucial to consult with an attorney to determine the best course of action for your specific circumstances. Remember to keep detailed records of all communication and efforts made in addressing the debt.

Before agreeing to settle, carefully evaluate the terms of any proposed payment plan and ensure that it aligns with your budget. It is essential to have all settlement terms and agreements in writing before making any payments. Keep in mind that even if you do settle, the collector still has the option to sue you if you default on the settlement. Settling for a lump sum that you cannot realistically afford could potentially lead to more long-term financial difficulties. It is advisable to seek assistance and fully understand your options and rights before entering into any settlement agreement.

If 6128158559 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 6128158559 is a collection company, your first step should be to request written confirmation to validate the debt. Take the time to carefully review this validation, ensuring that both your personal details and the debt information are accurate. In the event of any inaccuracies, it is essential to send a written dispute to the collection agency. According to the Fair Credit Reporting Act, state that the debt is inaccurate and demand that they remove the collection tradeline from your credit file.

Should the collector verify the debt’s validity, there are several potential courses of action to explore for its removal. You can consider negotiating a pay-for-delete agreement in writing, where you settle the debt in exchange for its removal. Another option is to offer a good faith partial settlement payment and kindly request deletion as a gesture of goodwill. However, bear in mind that without a formal agreement, they are not obligated to remove it.

If you prefer assistance in disputing the debt, you can think about hiring a credit repair service. They can handle the formal dispute process on your behalf and provide legal resources to help you get the debt removed. Alternatively, you may choose to wait until the 7-year credit reporting time limit expires for the collection to automatically drop off your report. In cases where the collector violates laws and refuses to remove incorrect information, you have the right to file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney. These options can help determine if any laws were