667-262-7907

What Company Is Calling Me From 667-262-7907? Are They A Scam And Why Are They Calling Me?

The phone number 667-262-7907 is from Maryland, Baltimore, and has been reported as a telemarketer. There is no specific company associated with this number, and it is unclear if it is being used for scam calls. To protect against potential scams, users can avoid answering calls from unknown numbers, use call-blocking apps or services, and be cautious about providing personal or financial information over the phone. Additionally, if the call is from a debt collector, you should be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Document any potential FDCPA violations and assert your rights under this act. If necessary, request debt validation and negotiate a settlement or payment plan. For further guidance on your options, consult credit counseling agencies or attorneys.

How Can I Block Or Stop Calls From 667-262-7907?

First, identify if the call is from a debt collector. Let unknown calls go to voicemail and do not answer them directly. If you confirm it is a debt collector, contact your phone carrier to block the number permanently. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked. Once you have blocked the number, send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. 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. Consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector. Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 667-262-7907 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from the phone number 667-262-7907, it is crucial to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). This act protects consumers from harassment or abusive behavior during debt collection calls. To document any potential FDCPA violations, keep track of the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours (8 am – 9 pm) or if they repeatedly call over a short period. Log any abusive, threatening, or obscene language used on calls.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request them to cease contact at your workplace if prohibited by your employer, and send a cease and desist letter via certified mail demanding no further contact by phone. You can also verbally request them to stop calling during any conversation.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance on FDCPA violations. Additionally, you can ask an experienced credit counselor how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 667-262-7907 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 667-262-7907 is a debt collector, the first step is to validate the debt they claim you owe. To do this, you should formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have received the validation, carefully review it for accuracy. Verify your personal details, the creditor name, account number, and amount owed. If there are any discrepancies or information you do not recognize, dispute it in writing and request its removal from your credit report.

After verifying the debt, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer 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 during collection.
4. Consult a non-profit credit counseling agency for guidance 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.

The key is never ignoring 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 667-262-7907 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is threatening to sue you or garnish your wages, it’s important to know your rights and options. If the debt is legitimate, the collector may pursue legal action to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, consider negotiating an affordable lump-sum or installment payment in writing, asserting your inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy if debts are overwhelming.

Before agreeing to settle, ensure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing before making payments, be aware that a collector can still sue if you default on a settlement, and avoid settling for a lump sum that you can’t afford, which may do more long-term financial harm.

Seeking assistance to understand your options and rights is crucial to avoid legal action and make informed decisions.

If 667-262-7907 Is A Collection Company, How Can I Remove It From My Credit Report?

If 667-262-7907 is a collection company, the first step to remove it from your credit report is to verify if the debt is legitimate. Request written confirmation from the collector and review it carefully for accuracy. If any information is incorrect, send a written dispute to the collection agency, stating the debt is inaccurate per the Fair Credit Reporting Act (FCRA).

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment, or hiring a credit repair service to dispute the debt on your behalf. You can also wait for the collection to fall off your report after seven years or file a complaint with the Consumer Financial Protection Bureau (CFPB) if the collector violates laws.

In some cases, consulting a consumer law attorney may be necessary to review if the collector broke laws enabling you to sue for removal and damages. Remember to keep detailed written records of 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.

What Feedback And Comments Do People Leave About 667-262-7907?

The feedback and comments about 667-262-7907 are limited. This phone number is located in Maryland, Baltimore, USA, with no historical ownership information available. Two user reports mention receiving calls, one from Oscar and one from Ronda Glasgow. Robokiller users have reported spam calls from this number, with a negative user reputation and categorized as a telemarketer. The number has received 8,062 total calls, with the last call detected on September 14, 2023.

In a nutshell, the comments and feedback about 667-262-7907 indicate that it is a potentially risky phone number due to its association with telemarketers and spam calls. To protect yourself from potential scams, avoid answering unknown calls and consider using call-blocking apps. Be cautious about sharing personal or financial information with unknown callers.

Ultimately, it is crucial to identify if the call is from a debt collector, as you may have rights under the Fair Debt Collection Practices Act (FDCPA). Document any potential FDCPA violations and assert your rights under this act. If necessary, request debt validation and negotiate a settlement or payment plan.

In essence, when dealing with suspicious phone numbers like 667-262-7907, it is essential to remain vigilant, protect your personal information, and seek professional guidance from credit counseling agencies or attorneys if needed.