7198840973

What Company Is Calling Me From 7198840973 And Why Are They Calling? Are They A Debt Collector?

If you have been receiving calls from 719-884-0973, it is likely that Credit Service Company (CSC), a debt collection agency based in Colorado Springs, Colorado, is trying to reach you. CSC has been collecting outstanding debts for various industries since 1947. While there have been some complaints about their calls being harassing, they don’t seem to have any major legal issues.

If CSC contacts you regarding a debt that you don’t recognize, it’s important to be aware of your rights. According to the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt within 30 days and dispute any incorrect information. Remember, it’s crucial not to share personal or financial information over the phone, even if the call appears legitimate, as scammers can easily fake phone numbers.

If you believe that CSC is violating consumer protection laws in their collection efforts, it may be worth considering legal action with the help of a consumer rights lawyer. However, it’s important to carefully weigh your options and fully understand the specifics of your situation before taking legal steps.

To gain a better understanding of your credit and financial situation, obtaining a copy of your credit report from all three major credit bureaus can be beneficial. IdentityIQ offers a comprehensive three-bureau credit report that can help you monitor your credit, identify any errors or discrepancies, and take necessary actions to maintain good credit. Remember, knowledge is power when it comes to effectively managing your finances.

How Can I Block Or Stop Calls From 7198840973?

If you want to block or stop calls from the number 7198840973, there are a few actions you can take. First, let unknown calls go to voicemail and avoid answering them directly to avoid engaging with potential collectors. Once you identify the calls as coming from a debt collector, contact your phone carrier to permanently block the number or use call blocking apps like 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 smartphones.

Along with blocking the calls, it is recommended to formally request no further contact from the debt collector. You can send a cease and desist letter via certified mail, demanding that they stop calling you. It’s important to keep detailed records of all calls received in case you need evidence of harassment when considering legal action.

Lastly, it’s advisable to seek help in addressing the underlying debt. Consult a non-profit credit counselor who can assist you in negotiating a resolution with the debt collector. If the collector violates regulations, consider speaking to a consumer protection attorney about your rights and potential lawsuits. Remember to check your voicemails regularly to monitor any messages from identified collectors and address any outstanding debts responsibly.

What Are My Rights As A Consumer Regarding Calls From 7198840973 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have rights as a consumer regarding calls from the number 7198840973. If you suspect FDCPA violations, follow these steps to safeguard yourself. Start by documenting all calls, noting the date, time, frequency, phone number, and call details. This creates a record of potential harassment or violations. Additionally, if they call you without consent outside the allowed hours of 8am – 9pm in your time zone, this may be a violation.

To assert your rights, take specific actions. In writing, withdraw any prior consent given to call outside normal hours. Formally request that they stop contacting you at your workplace, if it is prohibited by your employer. You can send a certified mail cease and desist letter to demand no further contact by phone. Furthermore, during any conversation with them, verbally ask them to stop calling.

If needed, report any violations with documentation to the Consumer Financial Protection Bureau for investigation. Consulting with a consumer protection attorney can help you understand your rights and options, including the possibility of pursuing damages through legal action. Your state’s Attorney General’s office may also provide guidance on FDCPA violations. Seeking advice from an experienced credit counselor can assist in addressing the debt without encountering more collection calls.

Remember that any collector contacting you must adhere to the FDCPA. By maintaining detailed records and asserting your rights, you can prevent further harassment and protect yourself as a consumer.

If The Company From 7198840973 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 7198840973 is a debt collector, you have options for validating the debt and dealing with it. To start, request written validation of the debt through a debt validation letter, as required by the FDCPA. Carefully review the validation and dispute any incorrect or unrecognized information in writing, asking for removal from your credit report.

Once the debt is validated, consider negotiating a lump-sum settlement or payment installment plan in writing before making any payments. You can also offer a partial payment of 30-50% of the balance if it’s affordable, and request deletion from your credit report in exchange. If the debt collector violates regulations during the collection process, assert your rights under the FDCPA. Seek guidance from a non-profit credit counseling agency for assistance in negotiating debt resolution or consult an attorney to explore bankruptcy or legal action against the collector.

Keep detailed records of all correspondence and calls with the debt collector, as they may be required for potential complaints. Additionally, revoke any prior verbal or written permission given to contact you outside the guidelines set by the FDCPA. Remember not to ignore a potential debt collector and take the necessary steps to validate the debt and exercise your consumer rights before determining the best way to resolve the situation. Seeking help from professionals can ensure a fair outcome.

Can The Company From 7198840973 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 7198840973 is a debt collector, they may have the option to sue you and potentially garnish your wages or seize funds from your bank accounts. To avoid legal action, there are several steps you can take.

First, negotiate with the collector to set up affordable lump-sum or installment payments. Make sure to get any agreements in writing to show your commitment. Additionally, assert your inability to pay and request that the collector stop contacting you. While this doesn’t guarantee they won’t sue, it may help prevent it.

Seeking assistance from a non-profit credit counselor can also be helpful. They can work with the collector on your behalf and provide guidance on your options. Another option is consulting with a consumer law attorney who can help you understand your rights and protections under the Fair Debt Collection Practices Act (FDCPA) and state laws.

Before settling, carefully review the proposed payment plan to ensure it fits within your budget. Always get written confirmation of any settlement terms before making payments. It’s important to note that even after settling, a collector could still sue if you fail to keep up with the agreement.

While settling may be a wise choice to avoid legal action, make sure not to agree to payments that you realistically cannot afford. Seek assistance from professionals who can help you understand your options and rights before making any decisions. To gain a comprehensive understanding of your current financial situation, consider pulling a three-bureau credit report through IdentityIQ.

Remember, taking proactive steps and seeking professional guidance can help you navigate this situation and make informed decisions about your finances.

If 7198840973 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 7198840973 is a collection company, the first step is to validate the debt by requesting written confirmation. Carefully review the validation for accuracy of personal details and debt information. If any information is incorrect, send a written dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act and demand removal from your credit file.

If the debt is verified as valid, consider these options. First, negotiate a pay-for-delete agreement in writing, settling the debt in exchange for removal. Second, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Third, you can hire a credit repair service to dispute the debt on your behalf and provide legal resources. Fourth, you can wait for the 7-year credit reporting time limit for the collection to fall off automatically.

If you believe there are violations, you can also file a complaint with the Consumer Financial Protection Bureau. Additionally, consulting a consumer law attorney may be beneficial to review if any laws were broken, enabling you to sue for removal and damages. Throughout the process, it’s important to keep detailed records of all communication and efforts to resolve the disputed collection account.

By taking proactive steps, such as validating debts, negotiating with collectors, and asserting your rights, you can increase the chances of removing collections from your credit report through persistence and proper documentation. However, it’s important to first determine if the debt is legitimate before proceeding with any actions.