651-212-5813

What Company Is Calling Me From 651-212-5813? Are They A Scam And Why Are They Calling Me?

The phone number 651-212-5813 is from the St. Paul area in Minnesota, USA and is often associated with telemarketing calls or potential scams. Robokiller identifies it as a telemarketing number, and users have reported receiving spam calls from this number. No specific company is linked to the number. To ensure your privacy and personal information remains protected, report and block unwanted calls. If the call is from a debt collector, do not answer and block the number. Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations. If the call is about a debt, request written validation of the debt, negotiate a settlement, and dispute any inaccuracies. Additionally, consider taking legal action, repairing your credit, and blocking or reporting the number for ongoing privacy protection.

How Can I Block Or Stop Calls From 651-212-5813?

To stop calls from 651-212-5813, first identify if it’s a debt collector by not answering and letting it go to voicemail. If it’s a debt collector, contact your phone carrier to block the number. You can also use call blocking apps or smartphone settings to block the number. Send a cease and desist letter via certified mail demanding no further calls. Check if your state has additional laws regarding collection calls without written notice. Keep detailed records of calls to show a pattern of harassment if you consider legal action. Consult a non-profit credit counselor for debt resolution help or speak to a consumer protection attorney about your rights and potential lawsuits.

Is 651-212-5813 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 651-212-5813, you need to know your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA protects consumers from abusive or harassing debt collection practices. To document any potential violations, keep track of the date, time, frequency, phone number, and details of all calls, including if they call outside the allowed hours of 8 am – 9 pm in your time zone. Note any abusive, threatening, or obscene language used during the calls.

To assert your rights, revoke any prior consent given for calls outside normal hours in writing. Request that they cease contacting you at your workplace if it’s prohibited by your employer. You can also send a cease and desist letter via certified mail, demanding no further contact by phone. During any conversation, verbally request they stop calling.

If you believe there have been FDCPA violations, report them to the Consumer Financial Protection Bureau, opening an investigation. Consult with a consumer protection attorney to discuss your rights and options, including suing for damages. Contact your state Attorney General’s office for guidance on the situation. Additionally, you can seek help from an experienced credit counselor on how to address the debt without incurring further collection calls.

Remember, debt collectors are required to adhere to the FDCPA. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 651-212-5813 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 651-212-5813 is a debt collector and explore your options, follow these steps:

1. Identify if the call is from a debt collector. If unsure, do not answer and block the number.
2. Know your rights under the Fair Debt Collection Practices Act (FDCPA). Report any violations by the collector.
3. Request written validation of the debt by sending a debt validation letter to the collector. They are legally required to provide this information.
4. Carefully review the validation for accuracy. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.
5. Once validated, consider negotiating a settlement or payment plan in writing. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
6. Consult a non-profit credit counseling agency for guidance on debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
7. Keep detailed records of all correspondence and calls for potential complaints.
8. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

By following these steps, you can validate the debt 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 651-212-5813 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is calling and threatening to sue you or garnish your wages, it’s important to understand your rights. First, make sure the debt is legitimate. If so, you can negotiate a payment plan, assert your inability to pay, or seek help from a credit counselor or attorney. To avoid legal action, be sure to follow all laws and regulations, such as the Fair Debt Collection Practices Act (FDCPA).

Before agreeing to settle, ensure the payment plan is affordable and get any agreements in writing. Be cautious of scam calls and protect your privacy by blocking and reporting unwanted numbers. Always remember, understanding your rights and options can help you handle the situation effectively and avoid any potential negative consequences.

If 651-212-5813 Is A Collection Company, How Can I Remove It From My Credit Report?

If 651-212-5813 is a collection company, follow these steps to potentially remove it from your credit report:

1. Validate the debt’s legitimacy by requesting written confirmation from the collector. Carefully review the validation to ensure your personal details and debt information are accurate.

2. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

3. If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill.

4. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.

5. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.

6. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.

7. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

8. Keep detailed written records showing your efforts to resolve the disputed collection account.

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 651-212-5813?

Many people have left comments and feedback about the phone number 651-212-5813, which is associated with Portfolio Recovery Associates, a debt collection agency in Red Wing, Minnesota. The feedback is predominantly negative, with individuals expressing frustration and annoyance at the constant, unwanted calls they receive. Some have even reported receiving multiple calls daily, even after requesting to be removed from the list. There are also concerns that these calls may be scams, as callers often do not leave messages or identify themselves.

To address this issue, consider not answering calls from unknown numbers and blocking the number. If you suspect the call is from a debt collector, refrain from engaging with them and consult your rights under the Fair Debt Collection Practices Act (FDCPA). Report any violations to the appropriate authorities.

If you owe the debt, request written validation of the debt and negotiate a settlement or dispute any inaccuracies. In case of a scam, consider taking legal action and seeking credit repair services. Furthermore, report the number to relevant authorities and block it on your phone for privacy protection. By taking these steps, you can minimize the impact of unwanted calls and protect your personal information.