706-493-1015

What Company Is Calling Me From 706-493-1015? Are They A Scam And Why Are They Calling Me?

The phone number 706-493-1015 is associated with Boris Auto Repair, located in Cleveland, Georgia. It is essential to be cautious when receiving calls from unknown numbers, as it is not clear if they are a scam or telemarketer. Always verify the number and never give out personal information during unsolicited calls. If unsure, research the company online for reviews or complaints.

In case the call is from a debt collector, follow the Fair Debt Collection Practices Act (FDCPA) guidelines and assert your rights. Validate the debt, negotiate a resolution, and document all communication. Consider credit repair services or bankruptcy as a last resort.

If 706-493-1015 is a robocall source, users praise Nomorobo for blocking calls and ask if all calls are blocked.

How Can I Block Or Stop Calls From 706-493-1015?

To block or stop calls from a specific number, follow these steps: First, let unknown calls go to voicemail. If the caller leaves a message, they may be attempting to collect a debt. Next, do not answer any unknown calls directly. This avoids engaging with potential collectors.

Once you’ve identified the number as a debt collector, contact your phone carrier to block the number permanently. Most major carriers offer call blocking through customer support or your online account. You can also use 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. If the calls continue, 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 and invoke those rights in your letter.

To handle the underlying debt, consult a non-profit credit counselor to help negotiate a resolution. If necessary, speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 706-493-1015 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

706-493-1015 is a phone number associated with Boris Auto Repair in Cleveland, Georgia. As a consumer, always be cautious when receiving calls from unknown numbers. Remember, scammers can use fake numbers to deceive people. Never give out personal information to unverified callers.

If the call is from a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA). Document all details of the calls, including the date, time, frequency, phone number, and conversation details. Ensure the collector follows the rules, such as not calling outside allowed hours (8 am – 9 pm in your time zone) or repeatedly over a short period.

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

If you believe there have been FDCPA violations, report the violations with documentation 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 next steps.

In addition, 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, and keeping detailed records and asserting your rights can prevent further harassment from debt collectors.

If 706-493-1015 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt associated with 706-493-1015, first identify if the call is from a debt collector. If it is, follow the Fair Debt Collection Practices Act (FDCPA) guidelines and request written validation of the debt. Send a debt validation letter to the collector by mail and carefully review the validation for accuracy. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once you have confirmed 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 706-493-1015 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 706-493-1015 is a debt collector, they can potentially sue you to recover $$. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, try negotiating affordable lump-sum or installment payments in writing, asserting your inability to pay, seeking guidance from a non-profit credit counselor, or hiring a consumer law attorney. Bankruptcy may be an option if debts are overwhelming. Thoroughly document calls, letters, and your efforts to address the debt.

Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing, and be aware that a collector can still sue if you default on a settlement. Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 706-493-1015 Is A Collection Company, How Can I Remove It From My Credit Report?

If 706-493-1015 is a debt collection company, the first step is to verify the debt’s legitimacy by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information are accurate. If any information is incorrect, 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 these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, hire a credit repair service to dispute the debt on your behalf, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 706-493-1015?

People often leave negative feedback about the phone number 706-493-1015, as it is a known source of robocalls. To combat these unwanted calls, users recommend trying a call-blocking service like Nomorobo. This service effectively blocks calls from the number and others like it, significantly reducing the number of robocalls received daily. Users express relief and satisfaction with the service, and some inquire if all calls from the number are blocked. Overall, the feedback about 706-493-1015 is negative, but the use of a call-blocking service has proven to be an effective solution for many.