614-212-5139

What Company Is Calling Me From 614-212-5139? Are They A Scam And Why Are They Calling Me?

The company calling from 614-212-5139 is likely Community Capital Bank, as per voicemail messages left for call recipients. The number is a landline operated by Tw Telecom Of Ohio LLC and is located in Columbus, Ohio. Some users have reported the number as potentially being a debt collector or a bank/credit card payment reminder. Although there is no definitive evidence suggesting it is a scam, it is advised to remain cautious when receiving calls from unknown numbers and not provide any personal information.

In case of persistent and unwanted calls, consider blocking the number using your phone carrier, call blocking apps, or smartphone settings. If the calls continue and you suspect they are from a debt collector, consult a non-profit credit counselor or consumer protection attorney to address the underlying debt and potential lawsuits. Additionally, familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) protections and rights, documenting potential violations and asserting your rights as necessary.

How Can I Block Or Stop Calls From 614-212-5139?

If you’re receiving calls from 614-212-5139, it’s likely from a debt collector or a bank/credit card payment reminder. To block or stop these calls, follow these steps:

1. Identify the company behind the number: Community Capital Bank.
2. Recognize potential calls as debt collectors or bank/credit card payment reminders.
3. Be cautious when receiving calls from unknown numbers and avoid providing personal information.
4. Let unknown calls go to voicemail and check for messages to identify if it’s a debt collector.

Once you have identified the calls as coming from a debt collector, block the number using the following methods:

1. Contact your phone carrier to permanently block the number.
2. Use call blocking apps like Nomorobo or Hiya to block the number at the network level.
3. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

To formally request no further contact:

1. Send a cease and desist letter via certified mail demanding no further calls.
2. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice and invoke those rights in your letter.
3. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Lastly, consult a non-profit credit counselor to help negotiate resolution of the debt, or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Monitor voicemails from identified collectors to stay informed on the situation and familiarize yourself with FDCPA protections and rights.

Is 614-212-5139 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) aims to protect consumers from abusive debt collection practices. If you receive calls from 614-212-5139, it is likely a debt collector attempting to reach you for a payment or seeking information about an outstanding debt. To protect your rights, document the date, time, frequency, and details of all calls, including any abusive or threatening language used.

To assert your rights, you can revoke consent for calls outside normal hours (8 am – 9 pm), request collectors to cease contacting you at your workplace, and send a cease and desist letter via certified mail. You can also verbally request the collector to stop calling during any conversation. If you believe your rights have been violated under the FDCPA, report the violations to the Consumer Financial Protection Bureau and consider consulting a consumer protection attorney for guidance. Additionally, contact your state Attorney General’s office or ask a credit counselor for assistance in addressing the debt without further collection calls.

If 614-212-5139 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 614-212-5139 is a debt collector, the first step is to validate the debt they claim you owe. To do this, send a debt validation letter by mail to the collector requesting written proof of the debt. The Fair Debt Collection Practices Act (FDCPA) legally requires them to provide this information.

Once you have validated the debt, consider the following options:

1. Negotiate a settlement or payment plan in writing, offering a lump sum or installments that are affordable for you.
2. If you can only afford a partial payment, offer 30-50% of the balance and request removal from your credit report in exchange.
3. Assert your rights under the FDCPA if the collector violates regulations during the collection process.
4. Seek guidance from a non-profit credit counseling agency to negotiate debt resolution.
5. Consult an attorney to explore bankruptcy or legal action against the collector if necessary.

Maintain detailed records of all correspondence and calls for potential complaints. If the calls are not debt collectors, consider blocking the number and contacting your phone carrier for assistance. Always remember to stay cautious and never ignore unknown calls, as they could be potential debt collectors or scams.

Can 614-212-5139 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 614-212-5139 and suspect it’s a debt collector, they may sue you for the outstanding amount and potentially garnish your wages. To avoid legal action, try negotiating affordable payment plans, asserting your inability to pay, seeking help from a credit counselor, or hiring an attorney. If bankruptcy is a possibility, consult an attorney to determine if it’s appropriate. Thoroughly document all communication and efforts to address the debt. Before settling, make sure the payment plan is realistic, get any agreements in writing, and be aware that a collector can still sue if you default. Seek assistance to understand your options and rights before agreeing to any settlement.

If 614-212-5139 Is A Collection Company, How Can I Remove It From My Credit Report?

If 614-212-5139 is a collection company, you can follow several steps to potentially remove it from your credit report. First, validate the debt by requesting written confirmation from the collection agency. If any information is incorrect, send a dispute in writing stating the debt is inaccurate per the Fair Credit Reporting Act.

If the debt is legitimate, consider negotiating a pay-for-delete agreement to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. You can also hire a credit repair service to dispute the debt on your behalf or wait for the collection to fall off your report after seven years.

If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages. Keep detailed written records of your efforts to resolve the disputed collection account.

Ultimately, proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 614-212-5139?

People have left various feedback and comments about the number 614-212-5139, including receiving multiple calls, voicemails related to urgent matters, aggressive debt collectors, and scam or spam calls. The number has been associated with both landline and mobile calls in the Columbus, Ohio area code. Some people report legitimate calls while others experience unwanted calls. To manage unwanted calls, it’s recommended to use call-blocking or spam-filtering tools.

Ultimately, it is essential to remain cautious when receiving calls from unknown numbers and not to provide personal information. If the calls are from debt collectors, let them go to voicemail and check for messages. Block the number using your phone carrier, call blocking apps, or smartphone settings. In case of continuous calls, send a cease and desist letter via certified mail and, if necessary, invoke state-specific laws to stop calls. Consult a non-profit credit counselor or consumer protection attorney to address underlying debt and potential lawsuits. Monitor voicemails from identified collectors to stay informed on the situation, and familiarize yourself with FDCPA protections and rights, documenting potential violations and asserting your rights as necessary.