720-262-8239

What Company Is Calling Me From 720-262-8239? Are They A Scam And Why Are They Calling Me?

Stellar Recovery Inc., a debt collection agency, is calling from the number 720-262-8239. They often ask for Ray Kello. Ensure they follow regulations for respectful communication. If concerned, report them to the FTC or consult a legal professional. Know your rights under the Fair Debt Collection Practices Act (FDCPA) and document calls. Report potential violations to the Consumer Financial Protection Bureau, contact an attorney, or reach out to your state attorney general’s office. Block unknown calls and consider sending a cease and desist letter. Maintain detailed records and consult a non-profit credit counselor or attorney for help with the underlying debt and protecting your rights.

How Can I Block Or Stop Calls From 720-262-8239?

To block or stop calls from 720-262-8239, first determine if it’s a debt collector. Let unknown calls go to voicemail and don’t answer them directly. Once you identify it’s a debt collector, contact your phone carrier to permanently block the number. Alternatively, use call blocking apps or set contacts not in your address book to go straight to voicemail.

Next, send a cease and desist letter via certified mail, demanding the collector stops calling or only contact for specific reasons. Refer to your state’s laws for additional protections beyond the Fair Debt Collection Practices Act (FDCPA).

Address the underlying debt by consulting a non-profit credit counselor or consumer protection attorney for negotiation. Keep detailed records of calls as evidence of harassment if considering legal action. Blocking calls won’t eliminate any owed debts, but taking action can prevent harassment and help resolve outstanding debts.

Is 720-262-8239 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 720-262-8239, document the date, time, frequency, phone number, and details of all calls to establish a record of potential harassment or violations. The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive or harassing debt collection practices. Some potential FDCPA violations include calls outside the allowed hours of 8am – 9pm in your time zone, frequent calls, and abusive or threatening language.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace, and send a cease and desist letter via certified mail demanding no further contact. Additionally, you can verbally request the collector to stop calling during any conversation.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to discuss your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance, and ask an experienced credit counselor how to address the debt without incurring further collection calls.

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

If 720-262-8239 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 720-262-8239 is a debt collector, your first step is to validate the debt they claim you owe. Send them a written debt validation letter requesting proof of the debt, including your personal details, the creditor’s name, account number, and amount owed. Review the validation carefully and dispute any incorrect or unrecognized information in writing.

Once the debt is validated, consider these options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report.
3. Assert your rights under the FDCPA if the collector violates regulations.
4. Seek help from a non-profit credit counseling agency to negotiate debt resolution.
5. Consult an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 720-262-8239 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is a legitimate one, they have the right to sue you for the money owed. If they win a court judgment, they can garnish your wages or bank accounts. To avoid legal action, try these steps:

1. Negotiate an affordable lump sum or installment payment plan in writing to show your good faith effort to pay.
2. Inform the collector that you cannot pay and request them to stop contacting you. This might prevent them from suing, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to help you work with the collector.
4. Hire a consumer law attorney to understand your rights under the FDCPA and state laws against unreasonable lawsuits.
5. Consider bankruptcy if debts are overwhelming; consult with an attorney to see if it’s appropriate.
6. Thoroughly document all communications and your efforts to address the debt to have a clear record.

Before agreeing to settle, consider:

1. Ensure the proposed payment plan is affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware that the collector can still sue if you default on a settlement.
4. Settling for a lump sum that you cannot afford may cause more long-term financial harm.

Settling might be a good option to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 720-262-8239 Is A Collection Company, How Can I Remove It From My Credit Report?

If 720-262-8239 is a debt collection company, the first step to remove it from your credit report is to validate the debt. Request written confirmation of the debt and review it 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. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources to assist in getting it removed is another option.

Waiting out the 7-year credit reporting time limit for the collection to automatically fall off your report is also an option. Filing a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information is another recourse. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another option.

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 720-262-8239?

720-262-8239 is associated with Stellar Recovery Inc., a debt collection agency in Denver, Colorado. People often leave negative feedback and comments about this number, citing issues such as calls to the wrong number, annoying repeat calls, and robocalls. Some individuals report receiving multiple calls per day, even if they don’t owe any debt or have any connection to the person the collectors are trying to reach. Additionally, generic robotic messages left on answering machines have raised concerns and suspicions among some individuals. Overall, the feedback about this phone number is negative, with people expressing frustration and annoyance at the unwanted calls.

To protect yourself from these unwanted calls, identify if it’s a debt collector by letting unknown calls go to voicemail and not answering directly. Block the number through your phone carrier, call blocking apps, or smartphone settings. If you do engage with the debt collector, send a cease and desist letter and keep detailed records of calls for potential legal action. Consult a non-profit credit counselor or attorney to address the underlying debt and protect your rights.