619-284-2238

What Company Is Calling Me From 619-284-2238? Are They A Scam And Why Are They Calling Me?

The phone number 619-284-2238 is linked to Jorge L Vega in San Diego, CA, and is connected with Pacific Bell Telephone Company. There is no evident proof to suggest the number is from a scam or telemarketing firm. Always be cautious with unknown callers and use reverse phone lookup services or the National Do Not Call Registry to minimize unwanted calls.

To identify if the call is from a debt collector, ask the caller to provide their name, company, and reason for the call. If they refuse or hesitate to provide this information, it may be a scam. In such cases, hang up and report the call to the appropriate authorities.

To block inappropriate calls, utilize phone carrier features, call blocking apps, or smartphone settings. This will help minimize unwanted calls from reaching your device.

Seek assistance from credit counselors or attorneys to address the underlying debt and potential legal action. Understand and assert your rights under the Fair Debt Collection Practices Act (FDCPA) during debt collection calls. Request written confirmation of the debt, dispute any inaccuracies, and negotiate a settlement or payment plan.

Be cautious of potential legal action, wage/bank account garnishment, and consider bankruptcy as a last resort. Validate the debt’s legitimacy and remove inaccurate information from your credit report.

Remember, phone numbers can be associated with multiple individuals or entities. Verify the information and consider the source and context to ensure you are addressing the correct party.

How Can I Block Or Stop Calls From 619-284-2238?

To block or stop calls from 619-284-2238, first identify if the call is from a debt collector. Let unknown calls go to voicemail and do not answer them directly. Debt collectors may leave messages stating they are attempting to collect a debt. Contact your phone carrier to permanently block the number through customer support or your online account. Utilize 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. Send a cease and desist letter via certified mail demanding no further calls. Consult a non-profit credit counselor to help negotiate resolution of the debt and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 619-284-2238 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets the rules for how debt collectors can contact consumers. If you are receiving calls from the number 619-284-2238, it’s important to know your rights under the FDCPA and how to protect yourself from potential harassment or violations.

Firstly, document the details of each call, such as date, time, frequency, phone number, and conversation content. This will help you identify any potential FDCPA violations. Collectors should not call outside the allowed hours of 8 am to 9 pm in your time zone, and should not call excessively, such as more than 2-3 times per week.

To assert your rights, revoke any prior consent given for calls outside normal hours, request they cease contact at your workplace if it is prohibited, and send a cease and desist letter via certified mail. You can also verbally request they stop calling during any conversation.

If you believe there have been FDCPA violations, report the situation to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance, and ask a credit counselor for advice on addressing the debt without 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 619-284-2238 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 619-284-2238 and suspect it’s a debt collector, first identify the caller and verify if they are a legitimate debt collection agency. If so, follow these steps to validate the debt and explore your options:

1. Request written validation of the debt by mailing a debt validation letter to the collector. This is legally required under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if the collector violates regulations.
4. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 619-284-2238 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a debt collector can potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, try negotiating affordable payments, assert your inability to pay, and request they cease contact. You can also seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling, make sure the payment plan is affordable 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. Understand your rights under the FDCPA and seek assistance to navigate the complexities of dealing with debt collectors.

If 619-284-2238 Is A Collection Company, How Can I Remove It From My Credit Report?

If 619-284-2238 is a debt collection company, the first step is to validate if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, or hire a credit repair service to formally dispute the debt on your behalf. Alternatively, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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 619-284-2238?

When looking for feedback and comments about the phone number 619-284-2238, it is crucial to verify the accuracy and reliability of the information and consider the source and context. However, there is no specific feedback or comments available for this number. The number is registered to Jorge L Vega in San Diego, California, with multiple phone numbers and addresses linked to his name. It is a landline number in the area. To ensure your safety and privacy, utilize call blocking features offered by your phone carrier, call blocking apps, or smartphone settings to block unwanted calls. Additionally, familiarize yourself with your rights under the FDCPA during debt collection calls, and seek assistance from credit counselors or attorneys to address the underlying debt and potential legal action. Verify the legitimacy of the debt and remove any inaccurate information from your credit report.