713-231-1866

What Company Is Calling Me From 713-231-1866? Are They A Scam And Why Are They Calling Me?

When you receive a call from 713-231-1866, it is likely from CMI Group Credit Management LP, a debt collection agency. Although not a scam, this company has faced over 250 Better Business Bureau complaints in just three years. Known for their aggressive tactics and frequent calls, they have led to numerous consumer complaints.

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to demand debt validation and protection against unfair harassment. If you believe you are being harassed or mistreated by this debt collector, take action by following the guidelines outlined in the FDCPA. Remember, it is essential to verify the debt, negotiate payment terms, and consider legal action or credit repair services if necessary to protect your rights and financial well-being.

How Can I Block Or Stop Calls From 713-231-1866?

To stop unwanted calls from 713-231-1866, first determine if it’s a debt collector. Debt collectors must follow guidelines under the Fair Debt Collection Practices Act (FDCPA). Ignore unknown calls and let them go to voicemail. Block the number through your carrier or use call blocking apps. If calls persist, send a cease and desist letter to the debt collector. Keep records of all calls and communications. For debt resolution assistance, consult a non-profit credit counselor or a consumer protection attorney. They can help with debt collection complexities and explore legal action or credit repair services.

Is 713-231-1866 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 713-231-1866, it is crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). This act safeguards consumers from abusive debt collection practices. If you think the calls are violating your rights, take note of the call details, frequency, and any inappropriate language used.

To protect yourself, first, request that the collector only call you during normal business hours and not at your workplace. Next, send a cease and desist letter to the debt collection agency, asking them to stop calling you.

If the harassment continues, report the violations to the Consumer Financial Protection Bureau (CFPB) or seek legal advice from a consumer protection attorney. Additionally, you can contact your state Attorney General’s office for assistance.

Keep records of all calls and interactions with the collector, and use the FDCPA to your advantage to prevent further harassment. If you believe the debt in question is inaccurate or uncollectable, consider credit repair services to help resolve the issue.

If 713-231-1866 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 713-231-1866, it is crucial to determine if the caller is a debt collector. To validate the debt, request written validation from the collector via mail and thoroughly review the information for accuracy. Dispute any incorrect information and request removal from your credit report.

Consider negotiating payment terms with the debt collector, keeping in mind your rights under the Fair Debt Collection Practices Act (FDCPA). If you face aggressive tactics or harassment, seek legal action or credit repair services. Additionally, consider credit counseling to help manage your debt and improve your financial situation.

Maintain records of all communication with the debt collector and consult with a professional if needed. By following these steps, you can protect your rights and navigate the process of dealing with debt collectors like Cmi Group Credit Management LP.

Can 713-231-1866 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 713-231-1866, it may be a debt collector attempting to recover a legitimate debt. To avoid legal action, negotiate affordable payments, assert inability to pay, seek guidance from non-profit credit counselors or attorneys, and consider bankruptcy if debts are overwhelming. Document all communication and carefully consider settlement terms before agreeing to any payment plan.

Ultimately, if you’re being harassed by a debt collector from 713-231-1866, you have rights under the Fair Debt Collection Practices Act (FDCPA). To protect yourself, first verify the debt, ensure they follow proper collection procedures, and document any abusive or threatening behavior. In case of any violations, report the collector to the Consumer Financial Protection Bureau (CFPB) or file a lawsuit against them.

In a nutshell, staying informed and assertive when dealing with debt collectors is crucial. Remember to keep records of all communications, seek professional help if necessary, and don’t be afraid to negotiate or challenge any unreasonable demands. By doing so, you’ll be better equipped to handle such situations and safeguard your financial well-being.

If 713-231-1866 Is A Collection Company, How Can I Remove It From My Credit Report?

If 713-231-1866 is a collection company, follow these steps to remove it from your credit report:

1. Verify the debt: First, ensure the debt is legitimate by requesting written confirmation from the collection agency.

2. Dispute inaccuracies: Carefully review the debt confirmation and dispute any inaccuracies with the agency.

3. Negotiate a pay-for-delete agreement: Consider negotiating a deal where the collection company removes the debt from your credit report in exchange for a full or partial payment.

4. Consult a credit repair service: Hire a reputable credit repair service to help handle the dispute process and negotiate with the collection agency on your behalf.

5. Wait for the 7-year limit: If the debt is valid, remember that it will be removed from your credit report after 7 years, regardless of whether you pay it off or not.

6. File a complaint: If the collection agency continues to harass you or break the law, file a complaint with the Federal Trade Commission (FTC), your state attorney general, or the Consumer Financial Protection Bureau (CFPB).

7. Consult an attorney: If necessary, consult a lawyer who specializes in debt collection to help you navigate the process and protect your rights.

8. Keep records: Maintain detailed records of all communications with the collection agency, including emails, letters, and phone calls, as evidence in case of disputes or legal action.

What Feedback And Comments Do People Leave About 713-231-1866?

Many people have left negative feedback and comments about the phone number 713-231-1866, which is associated with the debt collection agency Credit Management, LP (CMI Group). This company has faced numerous complaints, with over 250 filed in the past three years. These complaints often involve aggressive and threatening calls, as well as violations of consumer rights.

In a nutshell, Credit Management, LP (CMI Group) has been accused of using the phone number 713-231-1866 to make harassing calls to consumers. They have faced at least four court cases as a defendant for their debt collection practices, which have been deemed unethical and invasive.

Despite not being a scam, the CMI Group has been known to use aggressive tactics and frequent calls, which has led to many complaints. If you receive calls from this number, it is crucial to identify if it is a debt collector and follow the guidelines to protect your rights under the Fair Debt Collection Practices Act (FDCPA).

To ensure your rights are protected, you should verify the debt, negotiate payment terms, and consider legal action or credit repair services if necessary. By doing so, you can help prevent any further issues with the CMI Group and maintain your financial well-being.