708-391-5205

What Company Is Calling Me From 708-391-5205? Are They A Scam And Why Are They Calling Me?

The company calling from 708-391-5205 is Bandwidth.com, a telemarketing company located in Cicero, Illinois. While some users find these calls annoying, there is no concrete evidence suggesting a scam. To manage unwanted calls, use call-blocking services or apps, assign a silent ringtone to unknown numbers, and report harassing or scam calls to authorities. It’s essential to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) and know how to handle debt collectors, settle debts, and remove them from your credit report.

How Can I Block Or Stop Calls From 708-391-5205?

First, identify if the call is from a debt collector. If it is, contact your phone carrier to permanently block the number. 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.

Next, 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 and keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Finally, consult a non-profit credit counselor to help negotiate resolution of the debt or consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 708-391-5205 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, it’s crucial to understand if the number 708-391-5205 is violating the Fair Debt Collection Practices Act (FDCPA) when you receive calls from them. The FDCPA is designed to protect consumers from abusive, deceptive, or harassing debt collection practices. To determine if the calls are violating the FDCPA, document the date, time, frequency, phone number, and details of all calls.

Check if the calls are made outside the allowed hours of 8 am to 9 pm in your time zone, if they’re made repeatedly over a short period, and if any abusive or threatening language is used. If you believe the calls are violating the FDCPA, you can take action by revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter via certified mail, and verbally requesting they stop calling during any conversation.

Additionally, you can report any violations, with documentation, to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to discuss your rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Lastly, 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 708-391-5205 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 708-391-5205 is a debt collector, the first step is to validate the debt. To do this, 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). Carefully review the validation for accuracy, and dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

Keep detailed records of all correspondence and calls for potential complaints. 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 708-391-5205 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 708-391-5205 is a debt collector, they have the legal right to sue you for the outstanding debt and potentially garnish your wages if they obtain a court judgment. To avoid legal action, negotiate affordable payment terms in writing, assert inability to pay and request they cease contact, seek guidance from a credit counselor, or hire a consumer law attorney. If bankruptcy is a viable option, consult with an attorney. Document all communication and efforts to address the debt.

Before settling, ensure the payment plan is affordable, get any agreements in writing, and be aware that the collector can still sue if you default on the settlement. Seeking professional guidance to understand your options and rights is crucial before agreeing to any settlement.

If 708-391-5205 Is A Collection Company, How Can I Remove It From My Credit Report?

If 708-391-5205 is a debt collection company, you can take several steps to potentially remove it from your credit report. First, validate the debt by requesting written confirmation and reviewing the information carefully. If any details are 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 legitimate, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources can also be an option.

Another approach is waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another viable option.

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

What Feedback And Comments Do People Leave About 708-391-5205?

When it comes to the phone number 708-391-5205, people often leave feedback about it being a telemarketer number that frequently calls and leaves silent voicemails. These calls are received on various devices, including mobile phones and home landlines. To combat these nuisance calls, users suggest employing call blocking devices, services, or apps. Some even recommend researching call blockers on Google to find the most suitable option. It’s important to note that this number is registered as a regular landline with Bandwidth.com, covering the Chicago-Wabash area code 708.