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What Company Is Calling Me From 8336690185 And Why Are They Calling? Are They A Debt Collector?

The phone number 833-669-0185 belongs to Hunter Warfield, a debt collection agency. They are calling to collect on outstanding debts owed to creditors and original lenders. If you receive a call from this number, it means they are attempting to collect a debt owed by you to an original creditor.

It is important to verify the legitimacy of the debt and confirm if it belongs to you. Once verified, you can negotiate a settlement or payment plan with Hunter Warfield. However, if the debt is past your state’s statute of limitations, you may not be legally obligated to pay. In such cases, it is advised to consult a consumer lawyer to understand your options.

Please note that even if you request Hunter Warfield to stop contacting you in writing, the debt may still be reported to credit bureaus. It’s crucial to take action and address outstanding debts responsibly to maintain a healthy credit profile.

How Can I Block Or Stop Calls From 8336690185?

If you’re looking to block or stop calls from 8336690185, there are a few steps you can take. Firstly, it’s best to let unknown calls go to voicemail and avoid answering them directly. This way, you can determine whether it’s a debt collector trying to reach you. Once identified, contact your phone carrier to permanently block that specific number, or try using call blocking apps such as Nomorobo or Hiya. For smartphones, you can even set contacts not in your address book to automatically go to voicemail or be blocked.

Aside from call blocking, you can formally request no further contact by sending a cease and desist letter through certified mail. This letter will demand that the collector stops calling you, allowing them to only contact you if they confirm their intention to cease contact or inform you about specific actions. It’s also crucial to check if your state has laws that prohibit collection calls without written notice, and if so, send a cease and desist letter asserting your rights.

Additionally, seeking assistance from a non-profit credit counselor is recommended to address the underlying debt and negotiate a resolution. If the collector violates regulations, you might want to consider speaking with a consumer protection attorney to understand your rights and explore potential lawsuits. Remember to regularly check your voicemails for any messages from identified collectors, as blocking calls doesn’t eliminate any legitimate debts that may be owed.

What Are My Rights As A Consumer Regarding Calls From 8336690185, And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from 8336690185. To ensure you are protected, it is crucial to document any potential FDCPA violations. Make sure to record the date, time, frequency, phone number, and details of all calls you receive. If the calls are made outside the allowed hours of 8am – 9pm in your time zone, note this as a violation. Additionally, keep track of repeated calls over a short period and any abusive or threatening language used during the calls.

To assert your rights, there are several steps you can take. You can formally request that they cease contacting you at your workplace if your employer prohibits such contact. You can also revoke any prior consent given to call outside normal hours by providing a written notice. Sending a cease and desist letter via certified mail is another option to demand no further contact by phone. During any conversation, don’t hesitate to verbally request that they stop calling.

If you believe there have been FDCPA violations, it is important to report them to the Consumer Financial Protection Bureau with all the necessary documentation for an investigation. For a better understanding of your rights and available options, including the possibility of suing for damages, consult with a consumer protection attorney. If you suspect FDCPA violations within your state, seek guidance from your state Attorney General’s office. Additionally, consider seeking advice from an experienced credit counselor on how to address the debt without facing further collection calls.

Remember, keeping detailed records and asserting your rights are essential in preventing harassment from debt collectors.

If Company From 8336690185 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

To validate the debt associated with the phone number 8336690185, simply request written validation through a debt validation letter. The Fair Debt Collection Practices Act (FDCPA) legally obligates the collector to provide this information. Review the validation carefully, checking for accuracy in your personal details, creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request its removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan by putting the agreement in writing before making any payments. If you can afford it, you can offer a partial payment of 30-50% of the balance and request the debt be deleted from your credit report as part of the agreement. If the debt collector violates any regulations during the collection process, assert your rights under the FDCPA. Seek guidance from a non-profit credit counseling agency for assistance with negotiating debt resolution. You can also consider exploring options like bankruptcy or legal action against the collector by consulting an attorney. Document all correspondence and calls with the debt collector and revoke any prior permission given to contact you outside the FDCPA guidelines.

Ignoring a potential debt collector is not advisable. Validate the debt, exercise your consumer rights under federal and state law, and seek assistance from professionals to ensure a fair outcome. Obtain a comprehensive understanding of your financial situation by pulling your credit report from a reputable source like IdentityIQ.

Can The Company From 8336690185 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8336690185 is a debt collector and the debt is legitimate, they have the potential to sue you and potentially garnish your wages or bank accounts if they obtain a court judgment. To avoid legal action, you can negotiate affordable lump-sum or installment payments with the collector in writing, assert your inability to pay and request a cessation of contact, seek guidance from a non-profit credit counselor, and consider hiring a consumer law attorney to understand your protections under the law.

Before agreeing to settle, it’s essential to ensure that the proposed payment plan is realistically affordable based on your budget. Make sure to get any settlement terms or agreements in writing before making payments, as a collector can still sue if you default on a settlement. It’s important to avoid settling for a lump sum that you can’t afford, as it may lead to further financial harm in the long run.

To make informed decisions, it’s advisable to seek assistance to understand your options and rights before agreeing to any settlement. Additionally, consider pulling a 3 bureau credit report from IdentityIQ to gain a comprehensive understanding of your credit situation.

If 8336690185 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 8336690185 is a collection company, the first step is to request written confirmation to validate the debt. Take the time to review the validation carefully, checking for any inaccuracies in personal details or debt information. If you find any errors, it’s important to dispute them in writing directly to the collection agency, making sure to reference the Fair Credit Reporting Act and requesting removal from your credit file.

In the event that the debt is confirmed as valid, there are several options you can explore to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, which involves settling the debt and requesting its removal from your credit report. Alternatively, you can consider making a good faith partial settlement payment and kindly ask for deletion as a gesture of goodwill. However, it’s important to note that this approach doesn’t guarantee removal. Another possibility is to seek assistance from a credit repair service that can formally dispute the debt on your behalf and provide legal resources.

If none of the above options prove successful, you can choose to wait until the 7-year credit reporting time limit expires, at which point the collection entry should automatically fall off your credit report. Additionally, you have the option of filing a complaint with the Consumer Financial Protection Bureau if the collection agency violates any laws and refuses to remove inaccurate information. Consulting with a consumer law attorney may also be beneficial in determining if any laws were broken, potentially allowing you to pursue legal action for removal and damages. Throughout this process, make sure to keep detailed written records of all your efforts to resolve the disputed collection account.