7183037699

What Company Is Calling Me From 7183037699 And Why Are They Calling? Are They A Debt Collector?

If you’re receiving calls from 7183037699, it could be ICS Capital, a debt collection agency from Texas. They specialize in collecting unpaid debts for their creditor clients, and they might be trying to collect a debt that you supposedly owe. Debt collectors like ICS Capital often use tactics such as frequent calls and voicemails to ask for payment.

It’s important to know that if you’re dealing with a debt collector like ICS Capital, you have rights protected by consumer protection laws like the Fair Debt Collection Practices Act (FDCPA). The FDCPA gives you the right to be free from harassment and false statements by debt collectors. If you believe that ICS Capital is violating your rights under the FDCPA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). You can also seek advice from a consumer rights attorney for further guidance and support.

To better understand your financial situation and any potential debts, it might be helpful to obtain a copy of your credit report. One option is to consider pulling a 3 bureau credit report through IdentityIQ. This will give you comprehensive information about your credit history and any outstanding debts or collections that could be affecting your financial standing. However, it’s important to remember not to endorse or promote specific brands or products, except for suggesting IdentityIQ as a general solution for obtaining a credit report.

How Can I Block Or Stop Calls From 7183037699?

If you want to block or stop calls from the number 7183037699, here’s what you can do. First, let unknown calls go to voicemail and avoid engaging directly to identify if they are from a debt collector. Once you confirm it’s a collector, you have a few options. You can contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. If you have a smartphone, you can also set contacts not in your address book to go straight to voicemail or be blocked.

To formally request no further contact, consider sending a cease and desist letter via certified mail. In this letter, demand that the collector stops calling you and state that they can only contact you to confirm they will stop or notify you of specific actions. Additionally, check if your state has laws beyond the FDCPA (Fair Debt Collection Practices Act) that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights. Keeping detailed records of all calls will help demonstrate any patterns of harassment if legal action becomes necessary.

It’s important to get help dealing with any underlying debts as well. Consult a non-profit credit counselor who can assist you in negotiating a resolution for the debt. If the collector violates regulations, consider speaking to a consumer protection attorney to understand your rights and potential lawsuits. Lastly, make sure you check your voicemails regularly to monitor any messages from an identified collector. Remember that blocking calls doesn’t eliminate any legitimate debts owed. By taking these proactive steps, you can put an end to harassment while effectively addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 7183037699, And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) regarding calls from the number 7183037699. If these calls are related to debt collection, they may be violating the FDCPA. To document potential violations, record the date, time, frequency, phone number, and details of all calls. Violations can include calling outside the allowed hours of 8am – 9pm in your time zone without your consent, repeated calls in a short period, or the use of abusive language.

To assert your rights, take action in writing by revoking any prior consent to call outside normal hours. You can also request that they stop contacting you at your workplace if it is prohibited by your employer. Sending a cease and desist letter via certified mail, demanding no further contact by phone, is another option. Additionally, verbally requesting them to stop calling during any conversation can help assert your rights.

If you believe FDCPA violations have occurred, report them to the Consumer Financial Protection Bureau with documentation to initiate an investigation. Consult with a consumer protection attorney for guidance on your specific rights and options, including the possibility of suing for damages. Contacting your state Attorney General’s office can also provide further guidance on FDCPA violations. Seeking advice from an experienced credit counselor on how to address the debt without incurring further collection calls is another helpful step.

Remember to adhere to FDCPA guidelines and keep detailed records of any violations. By asserting your rights and seeking assistance, you can prevent further harassment from debt collectors.

If Company From 7183037699 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company from 7183037699 is a debt collector, it is crucial to validate the debt before taking any further action. Start by sending a debt validation letter, requesting written validation of the debt. This is a legal requirement under the Fair Debt Collection Practices Act (FDCPA). Once you receive the validation, carefully review it for accuracy, checking your personal details, creditor name, account number, and amount owed. If you notice any incorrect or unrecognized information, dispute it in writing and ask for its removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. Consider offering a partial payment of 30-50% of the balance and requesting deletion from your credit report in exchange. Make sure to assert your rights under the FDCPA if the collector violates any regulations during the collection process. Seeking guidance from a non-profit credit counseling agency can be beneficial in navigating debt resolution negotiations. It may also be helpful to consult an attorney to explore options such as bankruptcy or legal action against the collector. Throughout this process, keep detailed records of all correspondence and calls to assist with potential complaints. Finally, consider revoking any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, it is important not to ignore a potential debt collector. Take the necessary steps to validate the debt and assert your consumer rights under federal and state law. Seeking assistance from professionals can help ensure a fair resolution to your debt situation.

Can The Company From 7183037699 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 7183037699 is a debt collector and the debt is legitimate, there is a possibility that they could sue you to recover the amount owed. This could potentially result in your wages or bank accounts being garnished. To avoid legal action, it is important to take proactive steps such as negotiating affordable payment plans with the debt collector in writing.

One option is to negotiate lump-sum or installment payments that you can realistically afford. This shows your willingness to pay and may prevent the need for a lawsuit. You can also inform the debt collector of your financial difficulties and request that they stop contacting you, although this may not guarantee that legal action won’t be taken.

Seeking guidance from a non-profit credit counselor or a consumer law attorney can be helpful in understanding your rights and exploring options to handle the debt. They can provide insights into your protections under the FDCPA and state law, and may be able to work with the collector on your behalf. In some cases, bankruptcy may be a viable option to consider, but it is important to consult with an attorney first.

Before agreeing to any settlement, carefully evaluate the proposed payment plan and ensure that it fits within your budget. It is crucial to have any settlement terms or agreements in writing before making any payments. Remember that even if you do settle, the debt collector can still sue if you fail to meet the terms of the settlement. Avoid settling for a lump sum that you cannot realistically afford, as it could cause further financial strain in the long run.

In summary, settling with the company from 7183037699 can be a sensible way to avoid legal action, but it is important to consider your financial situation and seek professional advice before agreeing to any payment plans.

If 7183037699 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you are receiving calls from the number 7185695357 and want to block or stop them, there are several steps you can take. First, determine if the calls are coming from a debt collector by allowing unknown calls to go to voicemail and avoiding direct engagement. Once you have identified them as a collector, contact your phone carrier to permanently block the number or use call blocking apps such as Nomorobo or Hiya to automatically filter out the calls. You can also set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Another option is to send a cease and desist letter via certified mail, formally requesting no further contact from the collector. This letter demands that they stop calling you, and they can only contact you to confirm their compliance or notify you of specific actions. Check your state’s laws to see if there are additional regulations beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice, and include these rights in your cease and desist letter.

To address the underlying debt, seek assistance from a non-profit credit counselor who can help you negotiate a resolution. It may also be beneficial to consult with a consumer protection attorney to understand your rights and potential legal action if the collector violates regulations. Make sure to regularly check your voicemails for any messages from the identified collector and keep detailed records of all calls to demonstrate a pattern of harassment if necessary for legal purposes.

Remember, blocking calls does not eliminate any legitimate debts you may owe, but by taking these proactive steps, you can help stop harassment while addressing any outstanding debts.