713-538-8845

What Company Is Calling Me From 713-538-8845? Are They A Scam And Why Are They Calling Me?

The phone number 713-538-8845 is linked to debt collection calls, mainly about old credit card debts. The company associated with this number is CNA. However, it’s important to know that the owner of the number might have transferred it through porting. It’s unclear if this number is a scam, as some users have successfully blocked the number or retaliated against the caller. Always be cautious when receiving calls from unknown numbers, especially if they ask for personal information or make threats. If unsure, report the call to the FTC or local law enforcement.

To ensure your rights under the FDCPA, document all debt collection calls. Request written validation of the debt and dispute any incorrect information. Negotiate a settlement or payment plan and consider legal options if necessary. Validate the debt’s legitimacy and negotiate a pay-for-delete agreement. Report suspicious calls to the FTC or local law enforcement and block unknown callers. Seek assistance from non-profit credit counselors, attorneys, or state attorney general’s office for guidance. Be cautious of scammers posing as process servers or corporate representatives. Regularly check voicemails and consider debt settlement carefully, understanding potential legal consequences.

How Can I Block Or Stop Calls From 713-538-8845?

First, identify if the unknown caller is a debt collector by letting the call go to voicemail and checking for a message stating they are attempting to collect a debt. Once confirmed, block further calls by contacting your phone carrier to permanently block the number, utilizing call blocking apps like Nomorobo or Hiya, or setting contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, formally request no further contact by sending 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 keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Get help addressing the underlying debt by consulting a non-profit credit counselor to help negotiate resolution of the debt, speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations, and avoiding the temptation to ignore unknown calls altogether. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 713-538-8845 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair and abusive debt collection practices. If you’re receiving calls from 713-538-8845, it’s essential to understand your rights and how to handle the situation.

To determine if the calls are violating the FDCPA, keep track of the dates, times, frequency, phone number, and details of all calls. Ensure that the calls are made within the allowed hours of 8 am to 9 pm in your time zone. If the calls are made repeatedly or use abusive language, these could be signs of a violation.

To assert your rights, revoke any prior consent for calls outside normal hours, request they cease contact at your workplace, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also seek assistance from an experienced credit counselor on how to address the debt without further collection calls.

Adhering to the FDCPA is crucial to prevent harassment from debt collectors. Keep detailed records and assert your rights to protect yourself from any potential violations.

If 713-538-8845 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 713-538-8845 claiming to be a debt collector, first confirm if the call is legitimate. Debt collectors must identify themselves and provide contact information. If you believe the call is from a debt collector, follow these steps:

1. Request written validation of the debt, as required by the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy, checking your personal details, creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once you have validated the debt, consider the following options:

– Negotiate a reasonable lump-sum settlement or payment installment plan in writing.
– 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 the collector violates regulations.
– Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
– 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.

Remember, never ignore a potential debt collector. Always 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 713-538-8845 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 713-538-8845 is a debt collector, they have the legal right to sue you or garnish your wages if the debt is valid. To avoid this, try negotiating a reasonable payment plan in writing, stating your inability to pay and requesting they stop contacting you. You can also seek assistance from a non-profit credit counselor. In more complicated cases, consider consulting a consumer law attorney or exploring bankruptcy options. Make sure any payment agreements are affordable and documented in writing before settling. Be cautious of scammers and maintain records of all calls and attempts to resolve the debt.

If 713-538-8845 Is A Collection Company, How Can I Remove It From My Credit Report?

First, ensure 713-538-8845 is indeed a debt collection company by validating the debt through a written confirmation. Carefully review the validation to ensure the debt information and your personal details are accurate. If any information is incorrect, dispute the debt in writing, citing the Fair Credit Reporting Act.

If the debt is valid, negotiate 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. You can also hire a credit repair service to dispute the debt on your behalf.

Another option is to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to review if you can sue for removal and damages.

Throughout the process, maintain detailed written records of your efforts to resolve the disputed collection account. Persistence and proper documentation can help you remove collections from your credit report.

What Feedback And Comments Do People Leave About 713-538-8845?

Many people have left comments about 713-538-8845, stating that they have received calls from debt collectors and telemarketers. These callers often use intimidating tactics, such as claiming to be process servers or representatives from the corporate offices of C and N. To protect yourself from such harassment, it is essential to verify if the call is from a debt collector and take appropriate action. This includes understanding your rights under the Fair Debt Collection Practices Act (FDCPA) and documenting all debt collection calls.

If the debt is legitimate, negotiate a settlement or payment plan and request written validation of the debt. You can also seek assistance from non-profit credit counselors, attorneys, or state attorney general’s office for guidance. If you suspect a scam, report the call to the FTC or local law enforcement and block unknown callers. Be cautious of scammers, regularly check voicemails, and be aware of the potential legal consequences of debt settlement.