718-713-6547

What Company Is Calling Me From 718-713-6547? Are They A Scam And Why Are They Calling Me?

The company calling from 718-713-6547 is likely a telemarketer for student loan assistance, which is a scam. They use fake names and spoof multiple numbers. The callers claim to be from the United States Department of the Treasury or Department of Legal Issues, which is false. Be cautious with unknown numbers, don’t provide personal information or money, and verify the call’s legitimacy before engaging.

In a nutshell, 718-713-6547 is associated with telemarketing calls and potential scams, so remain vigilant and report suspicious calls. Always be cautious when receiving calls from unknown numbers, especially those claiming to represent government departments. Verify the legitimacy of the call, do not provide personal information or money, and consider blocking the number to prevent further contact.

How Can I Block Or Stop Calls From 718-713-6547?

To block or stop calls from 718-713-6547, first determine if it’s a debt collector by letting unknown calls go to voicemail and checking messages. If it’s a debt collector, contact your phone carrier to permanently block the number. You can also use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level.

Next, set contacts not in your address book to go straight to voicemail or be blocked. 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 send a cease and desist letter invoking those rights.

Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Consult a non-profit credit counselor to help negotiate resolution of the debt, and 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 718-713-6547 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 718-713-6547 might be violating the Fair Debt Collection Practices Act (FDCPA) if it’s a debt collector. As a consumer, you have rights. To determine if the calls are violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Ensure the calls are made between 8 am and 9 pm in your time zone, and that they don’t call excessively, use abusive language, or contact your workplace if prohibited.

To assert your rights, revoke any consent given for calls outside normal hours, request them to cease contact, and send a cease and desist letter via certified mail. You can also verbally ask them to stop calling during a conversation. If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Adhering to the FDCPA is crucial for collectors contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 718-713-6547 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 718-713-6547 and it’s a debt collector, the first step to validate the debt is to send a debt validation letter by mail. This is required by law under the Fair Debt Collection Practices Act (FDCPA). Examine the validation for accuracy, checking your personal information, the creditor’s name, account number, and amount owed. Dispute any incorrect or unfamiliar information in writing and request removal from your credit report.

Once the debt is validated, think about negotiating a reasonable lump-sum settlement or payment plan in writing before sending any payment. Offer to pay around 30-50% of the balance if possible and request deletion from your credit report in return. Assert your rights under the FDCPA if the collector breaks the rules. Seek advice from a non-profit credit counseling agency for help with debt resolution or speak to a lawyer about bankruptcy or legal action against the collector. Keep records of all correspondence and calls, in case you need to complain later. The most important thing is never to ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law to decide the best path to resolution. Don’t hesitate to seek professional help to ensure a fair outcome.

Can 718-713-6547 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 718-713-6547 is a debt collector, they can potentially sue you for the outstanding debt and garnish your wages if they obtain a court judgment. To avoid legal action, consider negotiating affordable payments, asserting your inability to pay, seeking guidance from a non-profit credit counselor, or hiring a consumer law attorney. Understand your rights under the FDCPA and state law, and consider bankruptcy if debts are overwhelming. Thoroughly document all communication and efforts to address the debt.

Before settling the debt, ensure the proposed payment plan is feasible and obtain any settlement terms in writing. Be cautious, as a collector can still sue if you default on a settlement. Settling may be a practical option to prevent legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights before making a decision.

If 718-713-6547 Is A Collection Company, How Can I Remove It From My Credit Report?

If 718-713-6547 is a debt collection company, you can remove it from your credit report by first validating the debt is legitimate. Request written confirmation and review the details carefully. 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. Hire a credit repair service to dispute the debt on your behalf, or wait 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 or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages. Keep detailed written records showing your efforts to resolve the disputed collection account. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 718-713-6547?

People have left comments about the phone number 718-713-6547, suggesting it is related to telemarketing calls offering student loan assistance. These callers use different accents and claim to be from various organizations. Many people have identified these calls as potential scams due to tactics like spoofed numbers and requests for sensitive personal information. To avoid falling for such scams, it is essential to be cautious when receiving unsolicited calls and not to give out personal information unless you have initiated the call and verified the recipient’s identity. The Federal Trade Commission advises being vigilant when receiving calls from unknown numbers, as they may be associated with scams or fraudulent activities.