704-841-2424

What Company Is Calling Me From 704-841-2424? Are They A Scam And Why Are They Calling Me?

The company calling you from 704-841-2424 is Prince Parker Associates, a legitimate debt collection agency based in Charlotte, North Carolina. They are recognized by the Better Business Bureau and handle debts from various sectors, including medical, utilities, and telecommunications. If you receive a call from them, it’s most likely about a debt they are collecting on behalf of a creditor.

To verify the debt, you can ask for written proof from the agency. If you are unsure about the debt or haven’t missed any payments, it’s advisable to consult with an attorney to ensure your rights under debt collection laws are being respected. It’s also important to be cautious and report any harassment or abusive behavior from the collection agency.

How Can I Block Or Stop Calls From 704-841-2424?

If you need to block or stop calls from 704-841-2424, follow these simple steps:

1. Let unknown calls go to voicemail and avoid answering directly. This way, you can identify if the call is from a debt collector.

2. Once you identify the caller as a debt collector, contact your phone carrier to block the number or use call blocking apps on your phone.

3. Send a cease and desist letter to the debt collector, keeping records of all calls and communication.

4. Seek help from a non-profit credit counselor or attorney to resolve the debt and handle any violations.

5. Be vigilant for potential harassment from the debt collector and report any violations to the Consumer Financial Protection Bureau (CFPB).

Is 704-841-2424 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the phone number 704-841-2424, it is essential to know your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that protects consumers from harassment during debt collection calls. To protect yourself, document all calls, including the date, time, frequency, phone number, and details. Take note if the calls are outside of the allowed hours or if there is any abusive language used. If you find that the calls are violating the FDCPA, you can revoke your consent for calls outside of normal hours and request the collection agency to stop contacting you. If you believe that your rights under the FDCPA have been violated, you can report the violations to the Consumer Financial Protection Bureau (CFPB). It is crucial to have a record of all calls and any communication with the collection agency. In case you need further assistance, consult a consumer protection attorney or credit counselor to help you navigate the complexities of debt collection practices. By understanding your rights and knowing how to respond to potential harassment, you can better protect yourself during debt collection calls.

If 704-841-2424 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 704-841-2424, it could be from Prince Parker Associates, a debt collection agency based in Charlotte, NC. They collect debts for various industries and follow the Fair Debt Collection Practices Act (FDCPA) guidelines. To validate a debt, request written validation from the collector via mail. This validation must include the debt amount, creditor’s name, and other relevant information. Review the validation for accuracy and dispute any incorrect information.

Once you have validated the debt, you can negotiate a settlement or payment plan with the collector. If you believe the collector is violating FDCPA guidelines, such as harassment or inappropriate communication, report the violations to the Consumer Financial Protection Bureau (CFPB). Keep records of all correspondence and calls, and revoke any permissions given outside FDCPA guidelines.

In case you need further assistance, consult an attorney or credit counselor for guidance on handling debt collectors and managing your debt.

Can 704-841-2424 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector from 704-841-2424, they have the legal right to sue you and potentially garnish your wages or bank account if you owe a legitimate debt. To avoid such actions, begin by negotiating manageable payment plans, asserting your inability to pay, seeking assistance from a credit counselor, hiring an attorney, or exploring bankruptcy options. Remember to meticulously document all communication and exercise caution when settling any debts, ensuring the terms are reasonable and any agreements are in writing.

If 704-841-2424 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive calls from 704-841-2424, it is essential to verify if the calls are from a legitimate debt collection company by requesting written confirmation. Carefully review the validation for accuracy and dispute any inaccuracies in accordance with the Fair Credit Reporting Act (FCRA). To remove the collection from your credit report, consider the following options:

1. Negotiate a pay-for-delete agreement: Offer to pay the debt in full if the collection agency agrees to remove it from your credit report.
2. Make a good faith settlement: Propose a partial payment to the collection agency, which may lead to the removal of the collection from your credit report.
3. Hire a credit repair service: Seek professional assistance to help dispute inaccuracies and negotiate with the collection agency on your behalf.
4. Wait for the 7-year limit: Collections generally stay on your credit report for 7 years, after which they should automatically be removed.
5. File a complaint: Report the collection agency to relevant authorities, such as the Consumer Financial Protection Bureau (CFPB), if they are violating the FDCPA guidelines.
6. Consult an attorney: Seek legal advice if you believe your rights have been violated under the FCRA or FDCPA.

Throughout the process, maintain detailed records of your efforts to remove the collection from your credit report.

What Feedback And Comments Do People Leave About 704-841-2424?

When people leave feedback and comments about 704-841-2424, they mainly express dissatisfaction with the phone number due to numerous robocalls and complaints related to debt collection practices. Users often report receiving calls from this number, which is allegedly linked to Prince Parker Associates for debt collection purposes. The company has faced multiple complaints about inaccurate credit reporting and unvalidated debts. People directly mention 704-841-2424 in complaints about unexpected collection attempts. Overall, the number has poor satisfaction ratings and a significant complaint history related to debt collections.