743-888-1153

What Company Is Calling Me From 743-888-1153? Are They A Scam And Why Are They Calling Me?

The phone number 743-888-1153 is from North Carolina, USA and has been reported as a scam, with callers pretending to be from car warranty companies. Users have received voicemails about their car warranty expiring and being pressured to renew it. To avoid falling victim to scams, verify the company’s identity independently and report unwanted calls to websites like WhoCallsMe.com. Remember to exercise caution when dealing with unsolicited calls and never provide personal information to unknown callers.

In essence, the company calling from 743-888-1153 is a scammer, pretending to be from a car warranty company. To protect yourself, verify the company’s legitimacy, block and report unwanted calls, and exercise your rights under the Fair Debt Collection Practices Act (FDCPA). If a debt collector is identified, request debt validation and negotiate settlement options. Consult credit counseling agencies or attorneys for guidance on debt resolution, and monitor and report potential scam/spam calls related to car warranties.

How Can I Block Or Stop Calls From 743-888-1153?

To stop calls from 743-888-1153, first identify if it’s a debt collector by letting unknown calls go to voicemail and checking for messages. If it’s a debt collector, contact your phone carrier to block the number permanently or use call blocking apps. Additionally, set contacts not in your address book to go straight to voicemail or be blocked.

Next, send a cease and desist letter via certified mail demanding no further calls. Consult a non-profit credit counselor to help negotiate resolution of the debt and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits.

Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 743-888-1153 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a law that protects consumers from unfair debt collection practices. If you’re being called by 743-888-1153, first confirm if it’s a legitimate debt collector. Document all calls, noting the date, time, frequency, phone number, and details. Keep track of any violations, such as calls outside allowed hours, excessive calling, or abusive language.

To protect your rights under the FDCPA, you can revoke consent for calls outside normal hours, request no workplace calls, send a cease and desist letter, or verbally ask them to stop during a conversation. If you think the FDCPA has been violated, report it to the Consumer Financial Protection Bureau and consider seeking legal advice from a consumer protection attorney or your state Attorney General’s office.

Moreover, you can consult a credit counselor for help in managing the debt without further collection calls. Remember, the FDCPA applies to any debt collector contacting you, and maintaining records and asserting your rights can help prevent further harassment.

If 743-888-1153 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 743-888-1153 is a debt collector, your first step is to identify the company and verify its legitimacy. Block and report unwanted calls to prevent further contact. Understand and exercise your rights under the Fair Debt Collection Practices Act (FDCPA). Request written validation from the collector, who is legally required to provide this information.

Review the details carefully to ensure accuracy and dispute any incorrect or unrecognized information in writing. Request removal from your credit report if necessary. Once validated, consider negotiating a reasonable settlement or payment installment plan in writing before sending any payment. Offering partial payment of 30-50% of the balance if affordable, while requesting deletion from your credit report, can be an effective strategy.

Formally asserting your rights under the FDCPA if the collector violates regulations during collection is another option. Consulting a non-profit credit counseling agency for guidance on negotiating debt resolution is recommended. In some cases, contacting an attorney to understand if bankruptcy or legal action against the collector are viable options may be necessary.

Keeping detailed records of all correspondence and calls for potential complaints is essential. Revoking any prior verbal or written permission given to contact you outside FDCPA guidelines is also a vital step. The key is never ignoring 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 743-888-1153 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 743-888-1153, confirm the identity of the debt collector and verify their legitimacy. If it is a legitimate debt collector, they can potentially sue you for the outstanding amount and garnish your wages if they obtain a court judgment. To avoid legal action, negotiate a payment plan, assert your inability to pay, request the collector to cease contact, seek assistance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before deciding to settle, assess the affordability of the proposed payment plan, ensure any settlement terms or agreements are in writing, be aware that a collector can still sue if you default on a settlement, and avoid agreeing to a lump sum you can’t afford. Settling can be a practical solution to avoid legal action, but ensure you can maintain the agreed payments. Seek guidance to understand your options and rights before making a decision.

Furthermore, block and report unwanted calls to minimize contact, understand and exercise your rights under the Fair Debt Collection Practices Act (FDCPA), request debt validation, negotiate settlement options, and consult credit counseling agencies or attorneys for assistance with debt resolution. Keep an eye out for potential scam/spam calls related to car warranties and monitor your reports.

If 743-888-1153 Is A Collection Company, How Can I Remove It From My Credit Report?

If 743-888-1153 is a debt collection company, the first step is to verify if the debt is legitimate by requesting written confirmation from them. Carefully review the validation to ensure your personal details and debt information are accurate. If there are any inaccuracies, send a written dispute to the collection agency stating that the debt is inaccurate per the Fair Credit Reporting Act. They must remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Alternatively, you can hire a credit repair service to dispute the debt on your behalf or wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages. Keep detailed written records showing your efforts to resolve the disputed collection account.

Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation. But always focus first on determining if the debt is legitimate before taking any action.

What Feedback And Comments Do People Leave About 743-888-1153?

People have left various comments and feedback about the phone number 743-888-1153, often identifying it as a potential scam or spam call. Users have experienced calls with no voicemail left and have associated the calls with car warranties. The Caller ID usually displays as “Survey” or “Energize Marketing.” It is crucial to be cautious when receiving calls from this number and not to disclose personal information over the phone. To ensure the call’s legitimacy, contact the company directly. To protect yourself, block and report unwanted calls, preventing further contact. Know and exercise your rights under the Fair Debt Collection Practices Act (FDCPA) if a debt collector is involved. Request debt validation and negotiate settlement options to resolve any outstanding debts. If necessary, consult credit counseling agencies or attorneys for guidance on debt resolution. Furthermore, monitor and report potential scam/spam calls related to car warranties to help others avoid similar situations.