651-404-2313

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What Company Is Calling Me From 651-404-2313? Are They A Scam And Why Are They Calling Me?

The phone number 651-404-2313 is connected to Qualia Collection Services (QCS), a debt collection agency in Hastings, Minnesota. They might be calling to discuss a debt or financial obligation. While debt collectors have the legal right to contact consumers, some people are doubtful about QCS. If you receive a call from this number, request written information about the debt before providing any payment details to prevent potential scams. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), so be cautious and know your options. You can negotiate a settlement or payment plan, consult a credit counselor, or seek legal advice from an attorney. Keep records of all correspondence and calls, and report any violations of the FDCPA.

How Can I Block Or Stop Calls From 651-404-2313?

First, recognize that calls from 651-404-2313 are likely from a debt collection agency called Qualia Collection Services (QCS). To manage these calls, let them go to voicemail and avoid answering directly. You can block the number using your phone carrier’s settings, call blocking apps, or your smartphone’s built-in features.

If the calls continue, send a cease and desist letter to request no further contact. Make sure you understand your state’s laws regarding debt collection and your rights under the Fair Debt Collection Practices Act (FDCPA). If you’re uncertain about your debt or need assistance, consult a credit counselor or attorney.

Maintain records of all correspondence and calls, and be cautious when agreeing to a payment plan or negotiating a settlement. Remember, you have rights, and it’s essential to protect yourself from potential scams or harassment.

Is 651-404-2313 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 651-404-2313 is associated with Qualia Collection Services (QCS), a debt collection agency. If you believe they are violating the Fair Debt Collection Practices Act (FDCPA), you have rights as a consumer. To protect yourself, document the details of each call, including date, time, frequency, phone number, and any abusive language used. You can request them to stop calling and even send a cease and desist letter. If they continue to violate the FDCPA, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for assistance.

If 651-404-2313 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate a debt associated with the phone number 651-404-2313, which is linked to Qualia Collection Services (QCS), follow these steps:

1. Send a debt validation letter: Request written proof of the debt, including personal details, creditor name, account number, and amount owed.

2. Dispute any incorrect information: If the debt details are inaccurate, dispute them and request removal from your credit report.

3. Negotiate a settlement or payment plan: Work with the debt collector to reach a reasonable agreement that suits your financial situation.

4. Assert your FDCPA rights: Understand and exercise your rights under the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive debt collection practices.

5. Consult a credit counselor: Seek advice from a credit counselor to help you navigate the debt validation process and manage your finances.

6. Contact an attorney: If necessary, consult an attorney to guide you through the process and represent your best interests.

7. Keep records: Maintain copies of all correspondence and calls, as this evidence may be useful if you need to take further action.

Ultimately, ensuring you follow these steps will help you validate the debt and understand your options in dealing with the debt collector.

Can 651-404-2313 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re contacted by 651-404-2313, it’s important to know your rights and options. If the debt is genuine, the collector may sue you or garnish your wages and bank accounts. To prevent legal action, consider negotiating affordable payments, stating your inability to pay, seeking credit counseling, or hiring an attorney. Be cautious when settling, ensuring it’s affordable and getting any agreements in writing.

Remember, it’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations. Make sure to verify if the caller is indeed a debt collector by not answering directly and blocking the number. If you owe the debt, negotiate a settlement or payment plan, consult a credit counselor, or seek legal advice from an attorney. Keep records of all correspondence and calls to protect yourself further.

If 651-404-2313 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive a call from 651-404-2313, it is likely from Qualia Collection Services (QCS), a debt collection agency. First, verify if the debt is legitimate by requesting written confirmation from the debt collector. Review the validation carefully for accuracy. If the debt is incorrect, dispute it and demand removal. If the debt is valid, consider the following options:

1. Negotiate a pay-for-delete agreement with the debt collector, where they remove the debt from your credit report in exchange for full payment.
2. Offer a partial settlement, which may be a lower amount than the total debt owed, in exchange for debt removal.
3. Hire a credit repair service to assist with disputing the debt and handling negotiations with the debt collector.
4. Wait for the time limit, as debts typically fall off your credit report after seven years.
5. File a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office if you believe the debt collector has violated your rights under the Fair Debt Collection Practices Act (FDCPA).
6. Consult an attorney experienced in debt collection and credit reporting laws for guidance and representation.

Throughout this process, keep detailed records of all correspondence and calls, including dates, times, and the names of the people you speak with. This information can be crucial if you need to take further legal action or dispute the debt with credit reporting agencies.

What Feedback And Comments Do People Leave About 651-404-2313?

When it comes to feedback and comments about the phone number 651-404-2313, people have left warnings about the associated company, Qualia Collection Services (QCS). This company has been accused of fraudulent and unethical debt collection practices. Recipients should avoid engaging with this number and similar ones like 651-404-2293 and 651-404-2309. Public records and comments offer essential information about the companies involved and the rights of recipients.

It is crucial to be cautious when dealing with debt collectors and to be aware of one’s rights under the Fair Debt Collection Practices Act (FDCPA). If a recipient receives a call from 651-404-2313 or any other similar number, they should not answer directly, block the number, and familiarize themselves with their rights under the FDCPA.

In case of a debt collection issue, recipients can negotiate a settlement or payment plan, consult a credit counselor, or contact an attorney for guidance. It is essential to be cautious when settling with debt collectors and to keep records of all correspondence and calls. By being informed and proactive, individuals can better protect themselves from potential unethical practices and make well-informed decisions regarding their debt collection situations.

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