631-237-5155

What Company Is Calling Me From 631-237-5155? Are They A Scam And Why Are They Calling Me?

The number 631-237-5155 is associated with Medford Florist Concierge, a debt consolidation company in Medford, New York. They are known to use deceptive tactics to obtain personal information, potentially violating federal laws. To protect yourself, don’t provide sensitive details to the caller and block the number. If you have debt issues, consult a non-profit credit counselor or attorney for help. Remember your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations to the Consumer Financial Protection Bureau.

How Can I Block Or Stop Calls From 631-237-5155?

To stop unwanted calls from 631-237-5155, first determine if it is indeed a debt collector. Allow the call to go to voicemail and then block the number. Contact your phone carrier or use call blocking apps to prevent future calls. Additionally, send a cease and desist letter to the debt collector, demanding no further calls. Keep detailed records of these calls and any communication with the collector.

Consult a non-profit credit counselor or attorney to address any outstanding debts and protect your rights. Remember, blocking calls does not absolve you from owed debts, and it is essential to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Report any violations to the Consumer Financial Protection Bureau.

Is 631-237-5155 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

Firstly, it’s important to recognize that the phone number 631-237-5155 may be violating the Fair Debt Collection Practices Act (FDCPA). To protect your rights as a consumer, keep track of all call details, such as date, time, frequency, and any inappropriate language used. If calls occur outside of legal hours or persistently, take action.

Next, withdraw consent to receive calls outside usual hours and request no contact at your workplace. To further enforce your wishes, send a cease and desist letter to the caller, explicitly stating your desire to stop receiving calls. Report any violations to the Consumer Financial Protection Bureau for investigation.

Lastly, consider seeking help from a consumer protection attorney or credit counselor to guide you on addressing the situation and defending your rights under the FDCPA.

If 631-237-5155 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 631-237-5155 and suspect it’s a debt collector, the first step to validate the debt is to request written validation from the collector. Carefully review the information provided for accuracy and dispute any incorrect details. You can also request removal of the debt from your credit report if it’s in error.

In addition to validating the debt, consider negotiating a settlement or payment plan that works for your financial situation. Remember your rights under the Fair Debt Collection Practices Act (FDCPA), which safeguards consumers from abusive debt collection practices.

If you’re uncertain about your rights or need assistance, consult a credit counselor or consider contacting an attorney for potential legal action. Maintain detailed records of your interactions with the debt collector and revoke permission for any unwanted contact.

In the end, being proactive in addressing the situation and protecting your financial well-being is crucial.

Can 631-237-5155 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 631-237-5155, it may be a debt collector attempting to recover a legitimate debt. If they sue and obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, negotiate affordable payments, assert inability to pay, seek credit counseling, hire an attorney, or consider bankruptcy. Before settling, ensure the payment plan is affordable, get agreements in writing, and understand potential consequences.

In a nutshell, when dealing with a debt collector, it’s crucial to be aware of your rights and options to avoid wage garnishments and legal action. By being proactive and seeking professional advice, you can work towards resolving the debt without facing potential financial consequences.

If 631-237-5155 Is A Collection Company, How Can I Remove It From My Credit Report?

If 631-237-5155 is a collection company, the first step to remove it from your credit report is to verify if the debt is legitimate. Request written confirmation from the company and thoroughly review the validation. Dispute any inaccuracies you find.

If the debt is valid, consider negotiating a pay-for-delete agreement with the collection company. This involves offering to pay the debt in exchange for removing it from your credit report. Another option is to offer a good faith settlement, which is a partial payment to settle the debt.

Hiring a credit repair service can also be beneficial. These professionals have experience dealing with creditors and collection agencies and can help you dispute inaccurate information on your credit report.

Another option is to wait for the 7-year time limit. According to the Fair Credit Reporting Act (FCRA), most negative information can only be reported on your credit report for seven years. After this time, the collection company should automatically remove the debt from your credit report.

If you’ve tried these methods and the debt still hasn’t been removed, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or consult a consumer law attorney. They can help you understand your rights and navigate the complexities of credit reporting and debt collection.

Remember to keep detailed records of your interactions with the collection company and any disputes you file. This will help you validate debts and negotiate with collectors effectively. Always stay proactive in managing your credit and ensuring your rights are protected.

What Feedback And Comments Do People Leave About 631-237-5155?

What feedback and comments do people leave about 631-237-5155? People generally express concerns about spam calls and debt consolidation scams. They report receiving unwanted calls with prerecorded messages about debt services. The number is associated with Medford Florist Concierge, a business in Medford, New York. To protect yourself, be cautious when receiving calls from unknown numbers and don’t give out personal information. Seek help from a non-profit credit counselor or attorney for debt issues. Know your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations to the Consumer Financial Protection Bureau.