720-974-9247

What Company Is Calling Me From 720-974-9247? Are They A Scam And Why Are They Calling Me?

The company calling from 720-974-9247 is 20/20, a telemarketer potentially involved in a tax relief scam. To ensure your safety, be cautious when receiving calls from this number and do not share personal information without confirming the caller’s legitimacy. Block the number through your phone carrier settings, call blocking apps, or smartphone features to prevent further unwanted calls.

If you have received calls from this number, send a cease and desist letter and document all calls as evidence. Consult a non-profit credit counselor or consumer protection attorney to address the underlying debt and protect your rights. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) for debt collection calls and request written validation of the debt through a debt validation letter.

Negotiate a settlement or payment plan, offer partial payment, assert FDCPA rights, or consult an attorney for bankruptcy or legal action. Maintain detailed records of all communication and consider revoking permission for contact outside FDCPA guidelines. Seek assistance to understand options and rights before settling the debt and validate debt legitimacy by requesting written confirmation and reviewing for accuracy, disputing inaccuracies under the Fair Credit Reporting Act.

How Can I Block Or Stop Calls From 720-974-9247?

To block or stop calls from the number 720-974-9247, first identify if it is a debt collector. If so, contact your phone carrier to permanently block the number. You can also 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 no further calls. Check your state laws and invoke those rights in your letter. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Consider consulting a non-profit credit counselor to help negotiate a resolution of the debt or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) for debt collection calls.

Request written validation of the debt through a debt validation letter and review for accuracy. Dispute inaccuracies under the Fair Credit Reporting Act and negotiate a settlement or payment plan, offer partial payment, or assert FDCPA rights.

Always maintain detailed records of all communication and consider revoking permission for contact outside FDCPA guidelines. Ensure you understand your options and rights before settling the debt.

Is 720-974-9247 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 720-974-9247, it is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. To document potential FDCPA violations, keep track of the date, time, frequency, phone number, and details of all calls. Note if they call outside the allowed hours of 8 am – 9 pm in your time zone, call too frequently, or use abusive, threatening, or obscene language.

Asserting your rights is crucial in preventing further harassment from debt collectors. You can revoke any prior consent given to call outside normal hours, request they cease contact at your workplace if prohibited, send a cease and desist letter, or verbally request they stop calling during any conversation. If you believe the collector is violating the FDCPA, report the violations to the Consumer Financial Protection Bureau to open an investigation. Consult a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance on FDCPA violations, or 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 720-974-9247 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 720-974-9247 is a debt collector and validate the debt, first confirm the identity of the caller. If they are a debt collector, follow these steps:

1. Request written validation of the debt by sending a debt validation letter through mail. Debt collectors are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA).

2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options:

3. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange.

4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.

5. Contact 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.

The key is to never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under the FDCPA before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 720-974-9247 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is pursuing you, they could potentially sue you or garnish your wages to collect the debt. To avoid legal action, it’s important to negotiate affordable payment plans in writing, assert your inability to pay and request they stop contacting you, seek guidance from a non-profit credit counselor, or hire a consumer law attorney. If debts become overwhelming, bankruptcy may be an option.

Before settling with the debt collector, make sure the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing, and be aware that they can still sue if you default on a settlement. 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 720-974-9247 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive calls from 720-974-9247 and suspect it is a debt collection company, the first step is to validate the debt’s legitimacy by requesting written confirmation. Carefully review the validation to ensure your personal details and the debt information are 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 and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider the following actions to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. 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. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 720-974-9247?

People have left negative feedback about the phone number 720-974-9247, stating it is associated with telemarketing calls from companies offering tax relief services. Users report receiving multiple calls per day, with callers asking for sensitive information. The company, 20/20, is described as a “bottom feeder” and a “scam.” To address the issue, consider blocking the number through phone carrier settings, call blocking apps, or smartphone features. Additionally, sending a cease and desist letter and documenting all calls as evidence can help in resolving the situation. Consult a non-profit credit counselor or consumer protection attorney to address the underlying debt and protect rights. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) for debt collection calls and request written validation of the debt through a debt validation letter, reviewing for accuracy. Negotiate a settlement or payment plan, offer partial payment, assert FDCPA rights, or consult an attorney for bankruptcy or legal action. Maintain detailed records of all communication and consider revoking permission for contact outside FDCPA guidelines. Seek assistance to understand options and rights before settling the debt and validate debt legitimacy by requesting written confirmation and reviewing for accuracy, disputing inaccuracies under the Fair Credit Reporting Act.