714-933-7175

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What Company Is Calling Me From 714-933-7175? Are They A Scam And Why Are They Calling Me?

The phone number 714-933-7175 is associated with Galkos or GCI Energy Products, a telemarketer promoting windows, doors, and solar energy products. The company has received 125 complaints from the FTC, with three user complaints related to the number. Although it’s unclear if they are a scam, be cautious when receiving calls from unknown numbers. To verify a company’s legitimacy, search for their name online, check reviews and complaints on the Better Business Bureau website. If unsure, consult an attorney, contact your state attorney general’s office, or report potential violations to the Consumer Financial Protection Bureau. Request written validation of the debt, dispute inaccuracies, and negotiate a settlement or payment plan if necessary. Block the number, use robocall blocking services, or file a complaint with the FTC to prevent future unwanted calls.

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If 714-933-7175 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 714-933-7175 is a debt collector, it is essential to validate the debt and understand your rights under the Fair Debt Collection Practices Act (FDCPA). To do this, mail a debt validation letter to the collector requesting proof of the debt. Review the validation for accuracy and dispute any inaccuracies in writing, requesting removal from your credit report.

Once the debt is validated, negotiate a reasonable settlement or payment plan in writing, offering partial payment if affordable and requesting debt removal from your credit report. If the collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency for guidance on debt resolution. Seek legal advice from an attorney for bankruptcy or potential legal action against the collector.

Maintain detailed records of all correspondence and calls, and revoke any prior permission given to contact you outside FDCPA guidelines. Do not ignore potential debt collectors; confirm if the debt is valid and exercise your consumer rights under federal and state law before deciding on the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 714-933-7175 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 714-933-7175 claiming to be a debt collector, it’s crucial to verify their legitimacy and ensure they follow proper debt collection practices. If the debt is valid, they have the authority to sue you to recover the amount owed. In the case of a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider negotiating an affordable lump-sum or installment payment, asserting your inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or exploring bankruptcy if debts become overwhelming.

Before deciding to settle, make sure the proposed payment plan aligns with your budget, have any settlement terms or agreements documented before making payments, be aware that collectors can still sue if you default on a settlement, and avoid agreeing to payments you can’t realistically maintain. Seek assistance to comprehend your options and rights to make the best decision for your financial situation.

If 714-933-7175 Is A Collection Company, How Can I Remove It From My Credit Report?

First, ensure the debt from 714-933-7175 is legitimate by requesting written confirmation from the collection agency. Review the validation carefully to ensure your personal details and the debt information is 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.

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

Additionally, wait for the 7-year credit reporting time limit for the collection to automatically fall off your report or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. 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 714-933-7175?

People often leave negative feedback about the phone number 714-933-7175, associated with Galkos or GCI Energy Products. The primary complaint is receiving numerous unsolicited telemarketing calls daily, often at inconvenient hours. Many of the callers are identified as telemarketers or unknown individuals, with a total of 125 complaints filed with the FTC. The company is based in Westminster, California, and was established in 1996. To prevent these calls, users can block the number or use robocall blocking services like Nomorobo.