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What Company Is Calling Me From 8443625479 And Why Are They Calling? Are They A Debt Collector?

The company calling you from 844-362-5479 is most likely Credence Resource Management, a debt collection agency. Their purpose in calling is to collect debts. Credence has a reputation for frequently and aggressively contacting individuals regarding the money they owe. If you find yourself receiving calls from Credence about a debt that you believe you don’t owe or have already paid, it’s important to know that you have certain rights under the Fair Debt Collection Practices Act. You can exercise these rights by requesting validation of the debt and asking them to cease all further communication with you. If the unwanted calls persist even after disputing the debt, you have the option to file a complaint against Credence with the FTC or CFPB. To ensure the accuracy of your debt-related information and safeguard your credit standing, it may be worth considering obtaining a 3 bureau credit report through IdentityIQ.

How Can I Block Or Stop Calls From 8443625479?

If you’re getting calls from the number 8443625479 and want to block or stop them, there are a few things you can do. Firstly, let unknown calls go to voicemail and avoid answering them directly. This way, you can check if the calls are from a debt collector as they might leave messages about collecting a debt.

Once you’ve confirmed that the calls are from a debt collector, you can take further steps to block them. Contact your phone carrier and ask them to permanently block the number. Most major carriers offer call blocking services through customer support or online accounts. You can also use call blocking apps like Nomorobo or Hiya to automatically filter out and block the number at the network level. If you have a smartphone, you can set contacts not in your address book to go straight to voicemail or be blocked.

Additionally, you can send a formal cease and desist letter via certified mail to the debt collector, requesting no further contact from them. This letter serves as a demand for them to stop calling you. Keep detailed records of all calls to show any harassment patterns if you’re considering legal action. It’s important to consult a non-profit credit counselor to help negotiate debt resolution and consider speaking to a consumer protection attorney if the debt collector violates any regulations. Remember, blocking calls doesn’t erase any legitimate debts, but it can stop harassment while dealing with outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8443625479 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have specific rights as a consumer when it comes to calls from the number 8443625479. To determine if they are violating the FDCPA, make sure to note down the date, time, frequency, and details of each call you receive from this number. Pay attention to whether they call outside the allowed hours of 8am – 9pm in your time zone or if they repeatedly call you in a short period. It’s also important to document any abusive, threatening, or obscene language used during the calls.

To exercise your rights, you can revoke any prior consent you may have given to be contacted outside normal hours by sending a written notice. If they are calling you at your workplace where it’s prohibited, formally ask them to stop contacting you there. Another option is to send a cease and desist letter through certified mail, stating that you do not wish to be contacted by phone anymore. During any conversation with them, verbally request that they refrain from calling.

If you believe the FDCPA has been violated, gather all the evidence you have collected and report the violations to the Consumer Financial Protection Bureau. It may also be beneficial to consult with a consumer protection attorney who can guide you on your rights and potential courses of action, such as filing a lawsuit for damages. If you suspect that FDCPA violations have occurred, seek guidance from your state Attorney General’s office as well. Additionally, consider consulting with an experienced credit counselor who can help you address the debt without facing further collection calls.

Always remember to maintain detailed records of all communications and stand up for your rights as a consumer to prevent further harassment from debt collectors.

If The Company From 8443625479 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 8443625479 is a debt collector, you have options for validating the debt and dealing with it effectively. To start, send a debt validation letter to the collector, requesting written validation of the debt as required by the FDCPA. Carefully review the validation for accuracy of personal details, creditor name, account number, and amount owed. If you spot any incorrect or unrecognized information, dispute it in writing and request removal from your credit report.

Once the debt is validated, consider your next steps. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payment. If you can afford it, offer a partial payment of 30-50% of the balance and request deletion from your credit report in exchange. If the collector violates regulations, assert your rights under the FDCPA. Seek guidance from a non-profit credit counseling agency for assistance in negotiating debt resolution. In more complicated situations, consult with an attorney to explore options such as bankruptcy or legal action against the collector.

Keep detailed records of all correspondence and calls throughout the process for potential complaints. You also have the right to revoke any prior verbal or written permission given to contact you outside the guidelines of the FDCPA. Remember, ignoring a potential debt collector is not in your best interest. Take steps to validate the debt, assert your rights, and seek professional help for a fair resolution. To get a comprehensive understanding of your financial situation, consider using IdentityIQ to pull your three-bureau credit report.

Note that this information is intended as general advice and may not apply to every individual’s specific situation. It is always advisable to consult with a professional for personalized guidance.

Can The Company From 8443625479 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you receive calls from the company at 8443625479 and they are a legitimate debt collector, it is important to know that they have the ability to take legal action against you, including suing you and garnishing your wages if they obtain a court judgment. To protect yourself, it is advisable to take proactive steps such as negotiating affordable payment plans in writing, asserting your inability to pay, seeking guidance from a non-profit credit counselor, or consulting a consumer law attorney for protection under the Fair Debt Collection Practices Act (FDCPA) and state laws. It is crucial to keep thorough documentation of all communication and efforts made to address the debt.

Before agreeing to a settlement, carefully consider whether the proposed payment plan is affordable for you based on your budget. Ensure that you have any settlement terms or agreements in writing before making any payments. It’s important to note that even if you settle, the collector can still sue you if you default on the settlement. Be cautious of settling for a lump sum that you cannot afford, as this may have long-term financial consequences. Therefore, seek assistance and fully understand your options and rights before making any decisions. One option to consider is pulling your 3 bureau credit report from IdentityIQ to gain a comprehensive understanding of your overall financial situation.

Remember, it’s crucial to take action and address your debt responsibly to avoid further legal complications and protect your financial well-being. Seek professional advice and explore all available options before making any agreements or settlements.

If 8443625479 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8443625479 is a collection company, there are steps you can take to potentially remove it from your credit report. Start by verifying the debt and reviewing the information for accuracy. If there are any mistakes, send a written dispute to the collection agency under the Fair Credit Reporting Act, asking them to remove the collection tradeline.

If the debt is confirmed as valid, you have options to try and get it removed. One approach is to negotiate a written pay-for-delete agreement, where you settle the debt in exchange for its removal. Alternatively, you can offer a partial settlement payment as a gesture of goodwill and request for deletion, although they may not be obligated to agree without a formal arrangement. Another option is to hire a credit repair service that can dispute the debt on your behalf and provide legal resources.

On the other hand, you can wait for the collection to naturally fall off your credit report after the 7-year reporting time limit expires. If the collector violates laws or refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting with a consumer law attorney can also help determine if the collector has broken any laws, which might enable you to sue for removal and damages. Remember to keep detailed written records of your attempts to resolve the disputed collection account.

By verifying debts, negotiating with collectors, and asserting your rights, you can improve your chances of removing collections from your credit report. However, always ensure you determine the validity of the debt before taking any action. Consider obtaining a comprehensive credit report from all three bureaus through IdentityIQ to gain a full understanding of your credit history.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE