651-265-1998

What Company Is Calling Me From 651-265-1998? Are They A Scam And Why Are They Calling Me?

The company calling from 651-265-1998 is HealthPartners, a medical group in Saint Paul, Minnesota. They are calling for debt collection purposes, which may be unwanted but are not considered a scam. The reason for these calls is likely related to outstanding bills or debts owed to HealthPartners. To stop receiving calls, address any outstanding debts directly with HealthPartners. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and document any violations. If the debt is legitimate, consider legal action, hiring an attorney, or filing bankruptcy. Validate the debt’s legitimacy, dispute inaccuracies, and negotiate for removal from your credit report.

How Can I Block Or Stop Calls From 651-265-1998?

To stop or block calls from 651-265-1998, first determine if it’s a debt collector. Let unknown calls go to voicemail and avoid answering directly. If it’s a debt collector, contact your phone carrier to permanently block the number. Utilize call blocking apps like Nomorobo or Hiya to automatically block the number at the network level. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Send a cease and desist letter via certified mail, demanding no further calls. Check your state laws for additional regulations beyond the FDCPA, and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Seek help addressing the debt by consulting a non-profit credit counselor to negotiate resolutions. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls won’t eliminate any legitimate debts, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 651-265-1998 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from the number 651-265-1998 regarding a debt, it is crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA protects consumers from unfair and abusive debt collection practices. To stop receiving calls, address any outstanding debts with HealthPartners directly. If calls are unwanted, request written validation of the debt, negotiate a settlement or payment plan, and maintain detailed records of correspondence. If the debt is legitimate, consider potential legal action and steps to avoid consequences, such as hiring an attorney or filing bankruptcy. Validate the debt’s legitimacy, dispute inaccuracies, and negotiate for removal from your credit report.

If 651-265-1998 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, you should verify if 651-265-1998 is indeed a debt collector by contacting them and asking for validation. If they are, follow these steps to validate the debt and explore your options:

1. Send a debt validation letter by mail, requesting proof of the debt. This is a legal requirement under the Fair Debt Collection Practices Act (FDCPA).
2. Thoroughly review the validation documentation provided. Check for accuracy in your personal information, the creditor’s name, account number, and amount owed.
3. Dispute any inaccurate or unrecognized information in writing and request its removal from your credit report.

After validating the debt, consider these options:

1. Negotiate a reasonable settlement or payment plan in writing before making any payment.
2. Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in return.
3. Assert your rights under the FDCPA if the collector violates regulations during the collection process.
4. Seek guidance from a non-profit credit counseling agency for assistance in resolving the debt.
5. Consult an attorney to discuss bankruptcy or legal action against the collector if necessary.
6. Maintain detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior permission given to the collector to contact you outside FDCPA guidelines.

Remember, always engage with debt collectors and validate the debt to protect your rights and financial well-being. If needed, seek professional help to achieve a fair outcome.

Can 651-265-1998 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 651-265-1998 is calling you, they may potentially sue you for the outstanding amount if the debt is legitimate. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can negotiate affordable lump-sum or installment payments in writing, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

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

If 651-265-1998 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive calls from 651-265-1998 regarding a debt collection, first ensure the debt is legitimate by requesting written confirmation from the collection agency. Review the validation carefully, checking for accuracy in your personal details and the debt information. If there are any inaccuracies, dispute the debt in writing, stating it is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider the following steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. Keep detailed written records showing your efforts to resolve the disputed collection account.

By validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 651-265-1998?

651-265-1998 is a phone number linked to Healthpartners, a medical debt collector based in Saint Paul, Minnesota. People report receiving calls from this number regarding unpaid debts and billing issues. To stop these calls, it’s essential to address any outstanding debts directly with Healthpartners. Furthermore, being aware of your rights under the Fair Debt Collection Practices Act (FDCPA) and documenting any violations can help protect your rights.

In a nutshell, if you receive a call from 651-265-1998, it’s likely related to a debt owed to Healthpartners. To resolve the issue, request written proof of the debt, negotiate a settlement or payment plan, and maintain thorough records of correspondence. If the debt is legitimate, consider potential legal action and steps to avoid consequences, such as hiring an attorney or filing bankruptcy.

To conclude, feedback on 651-265-1998 primarily involves debt collection efforts and calls without answers, connected to Healthpartners’ billing issues. To manage such situations, ensure you validate the debt’s authenticity, dispute inaccuracies, and work towards removal from your credit report.