719-280-0195

What Company Is Calling Me From 719-280-0195? Are They A Scam And Why Are They Calling Me?

The number 719-280-0195 is likely a scam from telemarketers posing as small business loan providers. They may offer “free money” or low-interest loans, but these calls are robocalls and the company name is fake. The number is spoofed and belongs to Peerless Network in Colorado. To protect yourself, block the number and don’t engage with any operators from this number.

In a nutshell, it’s essential to stay cautious against scams and never share personal or financial information with unknown callers. Always confirm the legitimacy of a company or loan offer by conducting thorough research and checking with the Better Business Bureau or other trusted sources. If you suspect a scam, report it to the appropriate authorities, such as the Federal Trade Commission or your local consumer protection agency. By staying informed and proactive, you can help avoid falling victim to scams like these.

How Can I Block Or Stop Calls From 719-280-0195?

If you’re receiving unwanted calls from 719-280-0195, it’s essential to determine if it’s a debt collector or a scam. To do this, let unknown calls go to voicemail and don’t answer directly. Identify the caller and block their number using your phone carrier or call blocking apps.

Next, send a cease and desist letter to formally request no further contact from the debt collector. Maintain detailed records of all calls and correspondence, as this information may be useful in case of legal action. If you have a legitimate debt, work with professionals such as credit counselors or attorneys to negotiate and handle potential lawsuits. Address any underlying issues by resolving the debt and preventing similar situations in the future.

Is 719-280-0195 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you from unfair or abusive debt collection practices. If you believe the phone number 719-280-0195 is violating this act, document the date, time, frequency, and details of the calls, and take note of any abusive language or excessive calls. To protect your rights, revoke consent for calls outside normal hours, request no contact at work, and send a cease and desist letter. If you suspect a violation, report it to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. Remember to stand up for your rights and be vigilant against potential scams or violations.

If 719-280-0195 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, identify if 719-280-0195 is indeed a debt collector. If it is, you can follow these steps to validate the debt and explore your options:

1. Request written validation: Ask the collector to provide proof of the debt, including the amount owed, creditor’s name, and other relevant details.

2. Review the written validation: Carefully examine the information for accuracy and ensure it matches your records. Dispute any discrepancies immediately.

3. Negotiate a settlement or payment plan: If the debt is legitimate, consider negotiating a settlement or payment plan that works for your budget.

4. Understand your rights under the Fair Debt Collection Practices Act (FDCPA): Familiarize yourself with the guidelines and regulations under the FDCPA, and assert your rights if the collector violates any of them.

5. Consult a credit counselor: A credit counselor can help you understand your options and provide guidance on the best course of action to resolve the debt.

6. Contact an attorney: If the situation becomes complex or you feel threatened by the debt collector, consult an attorney for legal advice and representation.

Always keep records of all correspondence and calls, and revoke any permission given outside FDCPA guidelines. If the number is a scam, block it and do not engage with the operators. Report any violations to the appropriate authorities.

Can 719-280-0195 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 719-280-0195 is a debt collector, they have the legal right to sue you or garnish your wages if you don’t pay the debt. To avoid this, try negotiating a payment plan, asserting your inability to pay, seeking credit counseling, hiring a consumer law attorney, or considering bankruptcy. Before settling, ensure the terms are in writing and the payment plan is affordable. Know your rights and options under the Fair Debt Collection Practices Act (FDCPA) to protect yourself and reach a fair resolution.

If 719-280-0195 Is A Collection Company, How Can I Remove It From My Credit Report?

If 719-280-0195 is a collection company, you can remove it from your credit report by following a series of steps. First, ensure the debt is legitimate by requesting written confirmation from the collection agency. Review the validation carefully and dispute any inaccuracies.

To potentially remove the debt, consider negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service. Another option is to wait for the 7-year limit, during which time the debt will be removed from your credit report automatically.

If you believe the collection agency is violating the Fair Debt Collection Practices Act (FDCPA), file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office. Consulting an attorney can also help protect your rights and ensure the collection agency abides by the law.

Always remember to keep detailed records of all calls and correspondence with the collection agency, as well as any agreements made or settlements reached. This will help you in case of any disputes or further action needed.

What Feedback And Comments Do People Leave About 719-280-0195?

People leave negative feedback and comments about 719-280-0195 due to its association with unsolicited telemarketing calls related to business loan scams. Callers report receiving calls from “CUSTOMER SERVIC” offering no-collateral, no-minimum-payment loans with no advanced payback schedule. Additionally, robocalls with dead air or blocked numbers have been reported. The number is flagged as high risk and connected to scammers who violate do-not-call registries. It is crucial to block this number and not engage with the operators. If it’s a debt collector, follow the Fair Debt Collection Practices Act (FDCPA) guidelines, request no further contact, and report violations. Validate the debt, negotiate a settlement, and keep records of all calls and correspondence. If the debt is legitimate, consider a pay-for-delete agreement or filing a complaint. Consult an attorney for guidance and protection of your rights.