646-564-9359

What Company Is Calling Me From 646-564-9359? Are They A Scam And Why Are They Calling Me?

Firstly, the number 646-564-9359 is linked to IRS phone scams. These scams involve fraudsters posing as IRS agents, demanding immediate payment for supposedly owed taxes. The IRS doesn’t work this way and never asks for payment information over the phone. If you receive a call from this number, end the call and report the incident to the Treasury Inspector General for Tax Administration (TIGTA) at 1.800.366.4484. IRS phone scams are prevalent, with over 625,000 complaints reported and an estimated loss of $65 million. The IRS will always notify taxpayers of any owed taxes or enforcement actions through official correspondence sent through the mail.

How Can I Block Or Stop Calls From 646-564-9359?

If you’re receiving calls from 646-564-9359, determine if it’s a debt collector and take appropriate measures to block and stop these calls. First, let unknown calls go to voicemail and listen to the messages left. If it’s a debt collector, contact your phone carrier to block the number. Alternatively, use call blocking apps or set your smartphone to send unknown callers to voicemail.

Once you’ve identified the calls as coming from a debt collector, request no further contact. Send a cease and desist letter via certified mail demanding no further calls. Seek help from a non-profit credit counselor to negotiate debt resolution and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

It’s essential to keep track of voicemails and maintain detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Blocking calls won’t eliminate any legitimate debts owed, but taking proactive steps can stop harassment and address outstanding debts.

Is 646-564-9359 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 646-564-9359 and suspect it violates the Fair Debt Collection Practices Act (FDCPA), it’s crucial to protect your rights and financial well-being. First, identify if the unknown call is from a debt collector and block the number. Next, send a cease and desist letter to demand no further contact and document all calls for evidence. Consult a non-profit credit counselor or attorney to address the debt, and monitor voicemails to stay informed on the debt situation.

Assert your FDCPA rights, request written validation of the debt, and negotiate a settlement or payment plan. Avoid legal action by negotiating, asserting your inability to pay, and seeking guidance. Validate the debt’s legitimacy, review the validation, and dispute any inaccuracies. Negotiate a pay-for-delete agreement, offer a good faith settlement, or hire a credit repair service to help improve your credit score.

Furthermore, use robocall-blocking services and evaluate feedback about the specific number. By following these steps, you can ensure you are adhering to your rights under the FDCPA and protecting yourself from potential harassment or scams.

If 646-564-9359 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 646-564-9359 and the person on the other end claims to be a debt collector, it’s essential to first validate the debt. To do this, you should send a debt validation letter by mail to the collector. They are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once you have validated the debt, you have several options to consider:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer a 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.

Always remember to 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 646-564-9359 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is calling about a legitimate debt, they have the right to sue you and potentially garnish your wages if they obtain a court judgment. To avoid legal action, consider negotiating a payment plan, asserting your inability to pay, seeking help from a credit counselor or attorney, or even filing for bankruptcy if debts are overwhelming. Thoroughly document all communications and efforts to address the debt.

Before deciding to settle, make sure the payment plan is affordable based on your budget, get any settlement terms in writing, and be aware that the collector can still sue if you default on a settlement. Settling may make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights before making any decisions.

If 646-564-9359 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive a call from 646-564-9359 and suspect it’s from a debt collection company, first 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.

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.

Ultimately, 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 646-564-9359?

People often leave negative feedback and comments about phone numbers like 646-564-9359, especially when they receive robocalls. These calls can be annoying and intrusive, causing many to use robocall-blocking services. The number 646-564-9359 is associated with a fake IRS lawsuit robocall, which can be alarming and frustrating. To handle such calls, identify if it’s from a debt collector and block the number. Send a cease and desist letter and document all calls for evidence. Consult a non-profit credit counselor or attorney to address the debt situation. Monitor voicemails and stay informed on the debt status. Assert FDCPA rights, request written validation of the debt, and negotiate a settlement or payment plan. Avoid legal action by negotiating, asserting inability to pay, and seeking guidance. Validate the debt’s legitimacy, review the validation, and dispute inaccuracies. Negotiate a pay-for-delete agreement, offer a good faith settlement, or hire a credit repair service to resolve the issue.