703-656-9964

What Company Is Calling Me From 703-656-9964? Are They A Scam And Why Are They Calling Me?

What company is calling me from 703-656-9964? Capital One Credit Card Collections is the company associated with this phone number. They may use this number to contact individuals regarding credit card or other outstanding debts.

Are they a scam? While not all collection calls are scams, it is essential for collectors to adhere to guidelines regarding identification, leaving messages, and respecting do-not-call requests. If you have received calls from this number without clear information or messages, it may be prudent to inquire further or request to be added to a do-not-call list.

Why are they calling me? Capital One Credit Card Collections may be calling you to discuss credit card or other outstanding debts. Ensure your rights are protected by monitoring complaints and feedback about the number and taking necessary actions accordingly.

How Can I Block Or Stop Calls From 703-656-9964?

First, let the unknown call go to voicemail and do not answer directly. This way, you can identify if the call is from a debt collector. If it is, proceed to block the number through your phone carrier or use call blocking apps.

Next, formally request no further contact by sending a cease and desist letter. Keep records of these calls and any communication with the debt collector. Address the underlying debt by consulting a non-profit credit counselor or attorney.

Additionally, monitor complaints and feedback about the number and take necessary actions to protect your rights as a consumer. Be cautious of potential legal action and consider bankruptcy if debts are overwhelming. Always validate the debt and negotiate payment terms under the Fair Debt Collection Practices Act (FDCPA).

Is 703-656-9964 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 703-656-9964 is associated with Capital One Credit Card Collections, a debt collection agency. As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) that safeguard you from harassment and mistreatment during debt collection calls.

To defend your rights, record the date, time, frequency, phone number, and details of all calls, particularly if they call outside of 8am-9pm or repeatedly. Note any abusive language. You can withdraw consent for calls outside normal hours and request they stop calling at work. Additionally, send a cease and desist letter if necessary.

If you believe 703-656-9964 is violating the FDCPA, report the violations to the Consumer Financial Protection Bureau. Consult an attorney or contact your state Attorney General’s office for guidance. You can also ask a credit counselor for advice on managing debt and negotiating payment terms.

It’s important to validate the debt and be cautious of potential legal action. If your debts become overwhelming, consider exploring options such as bankruptcy. Monitor complaints and feedback about the number and take necessary actions to protect your rights as a consumer.

If 703-656-9964 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 703-656-9964 is a debt collector, the first thing you should do is validate the debt they are claiming. Request written validation from the collector and carefully review the information for accuracy. If there are any discrepancies, dispute the incorrect information.

Additionally, consider negotiating a settlement, payment plan, or asserting your rights under the Fair Debt Collection Practices Act (FDCPA). If you need guidance, consult a credit counselor or attorney for assistance.

Keep records of all correspondence and calls, as this information may be useful in case of legal action or disputes. Be cautious of potential legal action and monitor complaints and feedback about the number to protect your rights as a consumer.

Can 703-656-9964 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 703-656-9964 is a debt collector, they have the legal right to sue you or garnish your wages if you owe them money. To avoid this, you can negotiate a payment plan, assert your inability to pay, seek credit counseling, or hire a consumer law attorney. Bankruptcy may be an option if your debts are overwhelming. It’s crucial to document all calls and efforts to address the debt, and be cautious when settling for a payment plan that you might struggle to maintain, as it could cause long-term financial harm.

If 703-656-9964 Is A Collection Company, How Can I Remove It From My Credit Report?

If you find that 703-656-9964 is a collection company, the first step is to verify the debt is legitimate. Request written confirmation and review it for accuracy. If there are any inaccuracies, dispute them under the Fair Credit Reporting Act.

To potentially remove the debt from your credit report, consider negotiating a pay-for-delete agreement, offering a good faith settlement, hiring a credit repair service, waiting for the 7-year time limit, filing a complaint, consulting an attorney, and keeping detailed records.

It’s crucial to address any debt-related concerns and maintain open communication with the collection agency. Always verify the debt’s legitimacy and ensure your rights are protected under consumer laws. By taking these steps, you can work towards resolving the issue and improving your credit report.

What Feedback And Comments Do People Leave About 703-656-9964?

Many people have left negative feedback and comments about 703-656-9964, reporting unsolicited calls that persist despite their requests to stop. The calls are often related to debt collection, as the number is associated with a debt collection agency and a credit card company. Despite attempting to remove their numbers from call lists, these calls continue, causing irritation and frustration for the recipients.