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What Company Is Calling Me From 8334808973 And Why Are They Calling? Are They A Debt Collector?

You may have recently received a call from the phone number 833-480-8973, which belongs to a debt collection agency known as Harris & Harris, Ltd. Their purpose for calling is to collect outstanding debts on behalf of various creditors. It is crucial, however, to exercise caution and verify the debt claimed by Harris & Harris before providing any payment or personal information. Some individuals have reported receiving aggressive and intimidating calls from this number, accompanied by threats of legal action if payment is not made. To safeguard yourself, it is recommended to request written validation of the debt before proceeding further.

In case the calls from 833-480-8973 become threatening or harassing in nature, it is essential to take appropriate action. You should report such behavior to organizations like the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), Better Business Bureau (BBB), and your state attorney general. By doing so, you can help protect not only yourself but also others who may potentially encounter similar situations. Always remember to prioritize your safety and seek proper assistance if needed.

How Can I Block Or Stop Calls From 8334808973?

To block or stop calls from the number 8334808973, you have a few options. First, let unknown calls go to voicemail and avoid answering them directly. Debt collectors may leave messages about collecting a debt, so it’s important to identify the caller before taking further action.

One option is to contact your phone carrier and request that they permanently block the number. Most major carriers offer call blocking through customer support or online account management. Alternatively, you can use call blocking apps like Nomorobo or Hiya, which automatically block unwanted numbers at the network level. For smartphones, you can also set contacts not in your address book to go straight to voicemail or be blocked.

If you want to formally request no further contact, you can send a cease and desist letter via certified mail. This letter demands that the collector stops calling you. Additionally, check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice, and include those rights in your cease and desist letter. Keeping detailed records of all calls is important if you are considering legal action for harassment.

Remember that blocking calls only stops the harassment, not the actual debts owed. It’s advisable to consult a non-profit credit counselor who can help negotiate debt resolution. If the collector violates regulations, you may want to speak to a consumer protection attorney to understand your rights and potential legal actions. Don’t forget to regularly check your voicemail to stay informed about any messages from identified collectors and to stay on top of your outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8334808973 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have specific rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 8334808973. To ensure your protection and address any potential violations, follow these steps:

First, document any potential FDCPA violations by keeping a record of the date, time, frequency, phone number, and details of all calls from 8334808973. Take note if they call outside the allowable hours of 8 am to 9 pm in your time zone. Also, track if they repeatedly call over a short period or use abusive language.

Next, assert your rights by taking action. Write a letter to revoke any prior consent given to call outside normal hours and request that they cease contact at your workplace if your employer prohibits it. You can also send a certified cease and desist letter and verbally ask them to stop calling during any conversation.

If violations persist, seek assistance on next steps. Report any violations, providing documentation, to the Consumer Financial Protection Bureau (CFPB) to initiate an investigation. Consult with a consumer protection attorney to understand your rights and explore options such as suing for damages. Additionally, contact your state Attorney General’s office for further guidance. Seek advice from an experienced credit counselor to address the debt without incurring more collection calls.

Remember, adhering to the FDCPA guidelines and asserting your rights as a consumer is crucial in preventing further harassment from debt collectors. Keeping detailed records will be essential in protecting yourself and taking appropriate action.

If Company From 8334808973 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If a company from 8334808973 is a debt collector, you can validate the debt by requesting written validation through a debt validation letter. The Fair Debt Collection Practices Act (FDCPA) requires them to provide this information. Check the validation carefully for accuracy, including your personal details, creditor name, account number, and amount owed. If you find any incorrect or unrecognized information, dispute it in writing and ask for it to be removed from your credit report.

Once the debt has been validated, you have a few options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If you can afford it, offering a partial payment of 30-50% of the balance and requesting deletion from your credit report may be an option. If the debt collector violates FDCPA regulations, you can assert your rights under the Act. Non-profit credit counseling agencies can provide guidance on negotiating debt resolution, and consulting with an attorney can help determine if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints, and make sure to revoke any prior permission given to contact you outside FDCPA guidelines.

In conclusion, never ignore a potential debt collector. Take steps to validate the debt, exercise your consumer rights, and seek professional help to ensure a fair resolution. Pulling your three bureau credit report through IdentityIQ can provide a comprehensive understanding of your credit history and any potential debts.

Can The Company From 8334808973 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you suspect that you may be contacted by a debt collector, it is important to be aware of the potential consequences. If the debt is legitimate and the company from 8334808973 is indeed a debt collector, they have the ability to sue you in order to collect the amount owed. If they are successful in obtaining a court judgment, they may be able to garnish your wages or bank accounts.

To avoid legal action, it is recommended to take proactive steps. One option is to negotiate affordable lump-sum or installment payments with the debt collector. It is crucial to ensure that any agreements reached are documented in writing. Another approach is to assert your financial inability to pay and request that the collector cease contact. However, it’s important to note that this may not necessarily prevent them from pursuing legal action.

Seeking guidance from a non-profit credit counselor or a consumer law attorney can provide valuable assistance in understanding your rights and working towards a resolution. These professionals can help you explore all available options and create a plan that aligns with your specific financial situation. Additionally, obtaining copies of your credit report from all three bureaus, such as through IdentityIQ, can offer valuable insights into your overall financial standing.

In conclusion, if you find yourself being contacted by a debt collector, it is crucial to understand your rights and explore your options. Taking proactive steps, such as negotiating affordable payment plans or seeking professional advice, can help you avoid legal action and work towards resolving the debt responsibly.

If 8334808973 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8334808973 is a collection company trying to contact you, it is vital to verify the legitimacy of the debt. Start by requesting written confirmation from the company and carefully review the provided information for accuracy. If you find any discrepancies, write a dispute to the collection agency stating that the debt is incorrect under the Fair Credit Reporting Act and insist on its removal from your credit file.

If the collector confirms the debt’s validity, there are a few steps you can take to possibly remove it from your credit report. One option is to negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for its removal. Another possibility is to offer a partial settlement payment in good faith and request deletion as a gesture of goodwill, although there is no obligation for the collector to comply without a formal agreement.

You may also consider seeking assistance from a credit repair service to handle the formal dispute process for you and provide legal support to help remove the debt. Alternatively, you can wait until the 7-year credit reporting time limit expires, at which point the collection should automatically disappear from your report. If the collector violates any laws or refuses to remove inaccurate information, you have the option to file a complaint with the Consumer Financial Protection Bureau or seek guidance from a consumer law attorney to explore potential legal action for removal and compensation. Remember to keep thorough written records of all your attempts to resolve the disputed collection account.