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What Company Is Calling Me From 704-998-2428? Are They A Scam And Why Are They Calling Me?

The phone number 704-998-2428 is associated with IQOR US INC, Synchrony, and Synchrony Bank or iQor US iNc Bank Or. Users have reported receiving multiple calls daily, with some unanswered and others resulting in voicemails with no information. The caller has been identified as “Allied Interstate,” a debt collector company, by some users. However, others report that the caller refuses to disclose their identity or the purpose of their call. There are suspicions that this number could be a scam or a telemarketer, but no concrete evidence has been provided. Be cautious when receiving calls from this number and do not provide personal information until the caller’s identity and purpose are confirmed.

To protect yourself, block the number and document the call details. Consult a credit counselor or attorney for guidance on how to proceed. Assert your rights under the Fair Debt Collection Practices Act (FDCPA) by sending a cease and desist letter if necessary. Validate the debt, negotiate settlements, and dispute any inaccuracies. If you suspect a scam, consider taking legal action, repairing your credit, and assessing the long-term financial impact. Report unsolicited calls and potential scams to relevant authorities to protect yourself and others from similar situations.

How Can I Block Or Stop Calls From 704-998-2428?

If you’re receiving unwanted calls from 704-998-2428, first identify if it’s a debt collector. To do this, let unknown calls go to voicemail and do not answer them directly. If it’s a debt collector, contact your phone carrier to request a permanent block. Alternatively, use call blocking apps like Nomorobo or Hiya to 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’ve identified the caller, send a cease and desist letter via certified mail, demanding no further calls. Check your state laws for any additional regulations beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice.

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 resolutions for any outstanding debts. 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 704-998-2428 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from abusive, deceptive, or unfair debt collection practices. If you receive a call from 704-998-2428, document the details of the call, such as date, time, frequency, phone number, and any other relevant information. Keep track of whether the collector calls outside of allowed hours or uses abusive language.

To protect your rights, you can revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace, and send a cease and desist letter via certified mail. Additionally, you can verbally request they stop calling during any conversation.

If you believe the collector is violating the FDCPA, report the violations to the Consumer Financial Protection Bureau. Consult with a consumer protection attorney regarding your specific rights and options, including suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred.

Lastly, ask a credit counselor how to address the debt without incurring further collection calls. Remember, any collector contacting you is required to adhere to the FDCPA. By taking these steps, you can prevent further harassment from debt collectors and protect your rights as a consumer.

If 704-998-2428 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 704-998-2428 is a debt collector, your first step is to validate the debt they claim you owe. To do this, send a debt validation letter by mail to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, carefully review the details for accuracy. Dispute any incorrect or unrecognized information in writing and request removal from your credit report. If the debt is valid, 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. 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 704-998-2428 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, the collector could potentially sue you 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 affordable lump-sum or installment payments in writing, asserting 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, carefully consider making sure the proposed payment plan is realistically affordable based on your budget, getting any settlement terms or agreements in writing before making payments, being aware a collector can still sue if you default on a settlement, and not agreeing to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

Ultimately, it’s crucial to document calls, letters, and your efforts to address the debt so there is a clear record. Additionally, consider identifying the caller as a potential debt collector or scammer, blocking the number, consulting a credit counselor or attorney for guidance, asserting FDCPA rights, sending cease and desist letters, validating the debt, negotiating settlements, disputing inaccuracies, considering legal action, credit repair, and long-term financial impact. Report unsolicited calls and potential scams to relevant authorities.

If 704-998-2428 Is A Collection Company, How Can I Remove It From My Credit Report?

If 704-998-2428 is a collection company, you can remove it from your credit report by following a step-by-step process. First, ensure the debt is legitimate by requesting written confirmation from the collector. Review the validation carefully to make sure your personal details and the debt information are accurate. If there are any discrepancies, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider the following steps:

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 formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out 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 proactively 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 704-998-2428?

People have left various feedback and comments about the phone number 704-998-2428, including reports of constant calls without leaving a message, potential scams, and spam calls. Some companies associated with the number are IQOR US INC, Allied Interstate, and Synchrony. When calling back, it can be difficult to get the caller to provide company information. To address this issue, identify the caller as a potential debt collector or scammer, block the number, and document call details. Consulting a credit counselor or attorney can help navigate these situations. Assert your rights under the Fair Debt Collection Practices Act (FDCPA) and send cease and desist letters to stop unwanted calls. If the debt is valid, validate it, negotiate settlements, and dispute any inaccuracies. Legal action, credit repair, and considering the long-term financial impact of these calls are also important steps. Reporting unsolicited calls and potential scams to authorities can help prevent others from experiencing similar situations.

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