617-581-1010

What Company Is Calling Me From 617-581-1010? Are They A Scam And Why Are They Calling Me?

When you receive a call from the number 617-581-1010, it’s crucial to be cautious as it is often associated with debt collection calls from Central Credit Services (CCS) and Wells Fargo Collections. Scammers may also use this number to impersonate legitimate companies. To protect yourself from scams, always verify the identity of the caller and the purpose of the call before providing any personal information or taking further action.

To deal with unknown calls, let them go to voicemail and consider blocking the number. If you believe you are receiving calls from a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA). Document each call, assert your rights, and maintain a record of the conversation. If you believe the debt is inaccurate or not yours, request validation and dispute the debt.

In case of legal action, be aware of your options and consider negotiating a payment plan. Consult with professionals, such as a lawyer or credit counselor, to help you navigate the situation. Additionally, if the debt is legitimate and you wish to remove it from your credit report, work on validating the debt’s legitimacy and dispute any inaccuracies. Follow credit repair steps to improve your credit score and maintain a good financial standing.

Remember that many people have reported negative feedback, frustration, and annoyance when receiving calls from the number 617-581-1010. Always be vigilant and cautious when dealing with calls from this number, prioritizing your safety and financial well-being.

How Can I Block Or Stop Calls From 617-581-1010?

First, identify if the unknown caller is a debt collector by letting the call go to voicemail. If they leave a message stating they are attempting to collect a debt, you can be sure it is a debt collector. Next, block the number by contacting your phone carrier and requesting them to permanently block the number. You can also use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

For smartphones, set contacts not in your address book to go straight to voicemail or be blocked. To stop further calls, formally request no further contact by sending a cease and desist letter via certified mail, demanding no further calls. Make sure to keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Address the underlying debt by consulting a non-profit credit counselor to help negotiate resolution of the debt. If the collector violates regulations, consider speaking to a consumer protection attorney regarding your rights and potential lawsuits. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 617-581-1010 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair or abusive debt collection practices. If you are receiving calls from the number 617-581-1010, you may be concerned about whether this caller is violating the FDCPA. To determine if your rights are being infringed upon, document the date, time, frequency, phone number, and details of all calls. Keep track of whether they call outside of the allowed hours of 8 am to 9 pm in your time zone, call repeatedly over a short period, or use abusive language during the conversation.

If you believe your rights are being violated, take action by revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace, and sending a cease and desist letter via certified mail demanding no further contact. You can also verbally request they stop calling during any conversation.

In addition to asserting your rights, report any violations with documentation to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to discuss your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Finally, ask an experienced credit counselor how to address the debt without incurring further collection calls.

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

If 617-581-1010 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 617-581-1010, it is likely from a debt collector. To validate the debt and understand your options, follow these steps:

1. First, identify the caller. If you do not recognize the number, let it go to voicemail and block the number. You can also send a cease and desist letter requesting them to stop calling you.

2. Next, familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA). This federal law protects consumers from abusive debt collection practices.

3. Request written validation of the debt from the collector. They are required to provide this information under the FDCPA.

4. Carefully review the validation for accuracy. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

5. If the debt is valid, consider negotiating a reasonable settlement or payment plan before making any payment. You can offer partial payment of 30-50% of the balance if affordable, request deletion from your credit report in exchange.

6. If the collector violates FDCPA regulations, assert your rights and consider contacting an attorney. You can also consult a non-profit credit counseling agency for guidance on negotiating debt resolution.

7. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, it’s crucial 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 617-581-1010 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 617-581-1010 is a debt collector, they may sue you and garnish your wages if they have a court judgment for a legitimate debt. To avoid legal action, try negotiating payment plans, asserting your inability to pay, seeking help from a non-profit credit counselor, or hiring a consumer law attorney. If the debt is overwhelming, consider bankruptcy with an attorney’s guidance. Document all calls and efforts to address the debt to have a clear record.

Before settling the debt, make sure the payment plan is realistic based on your budget and get any settlement terms in writing. Be aware that a collector can still sue if you default on a settlement. Settling might make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 617-581-1010 Is A Collection Company, How Can I Remove It From My Credit Report?

If 617-581-1010 is a debt collection company, you can remove it from your credit report by first validating the debt is legitimate. Request written confirmation and review it carefully for accuracy. If any information is incorrect, dispute the debt with the collection agency, stating it is inaccurate according to the Fair Credit Reporting Act.

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. You can also hire a credit repair service to dispute the debt on your behalf or wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

In case of collector violations, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to sue for removal and damages. Keep detailed written records of your efforts to resolve the disputed collection account. 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 617-581-1010?

When it comes to the phone number 617-581-1010, people have left a variety of feedback and comments, mostly concerning unsolicited debt collection calls. These calls are often from organizations such as Central Credit Services and Wells Fargo Collections, featuring a person named Rick Aguilar who seeks debt settlement. The general consensus is negative, with individuals expressing irritation and annoyance.

To handle these calls, it’s best to let them go to voicemail, block the number, and even send a cease and desist letter. Familiarizing yourself with the Fair Debt Collection Practices Act (FDCPA) is crucial, as it provides a means to document calls and assert your rights.

Another important step is debt validation, which involves requesting validation for any debts and disputing any inaccuracies. If legal action is necessary, it’s vital to explore potential options, negotiate payment plans, and consult professionals for guidance.

If the debt is legitimate, focus on removing it from your credit report by validating its legitimacy, disputing any inaccuracies, and following credit repair steps. Overall, the feedback on 617-581-1010 has been negative, with people expressing frustration and annoyance at the unsolicited calls and the entities behind them.