7635619120

What Company Is Calling Me From 7635619120 And Why Are They Calling? Are They A Debt Collector?

The phone number 763-561-9120 belongs to Reliance Recoveries, a debt collection agency based in Minneapolis, MN. They have been in business since 1987 and specialize in collecting medical debt. They are a member of ACA International and follow the Fair Debt Collection Practices laws. Many individuals have reported receiving calls from this number, often robocalls or pre-recorded messages related to debt collection.

If you have received a call from 763-561-9120, it is likely that Reliance Recoveries is trying to reach you regarding a medical debt. They operate within the confines of the law and follow the Fair Debt Collection Practices laws. Their main goal is to collect outstanding balances on behalf of medical providers.

To understand your financial situation better and any potential outstanding debts, consider obtaining your credit report from IdentityIQ. They are a reliable option for accessing your credit report and can help you identify any outstanding debts associated with the calls you are receiving. By taking this step, you can stay informed about your financial status and address any outstanding obligations promptly.

How Can I Block Or Stop Calls From 7635619120?

To block or stop calls from 7635619120, you can follow these steps:

First, make sure to identify if the call is from a debt collector. Let any unknown calls go to voicemail and avoid direct engagement.

Next, get in touch with your phone carrier and ask them to permanently block the number. Alternatively, you can use call blocking apps like Nomorobo or Hiya to filter out the number at the network level.

If you have a smartphone, set contacts that are not in your address book to go directly to voicemail or be blocked altogether.

Additionally, you can take a more formal approach by sending a cease and desist letter via certified mail. This will formally request that the collector stops any further contact with you, invoking any state laws that go beyond the FDCPA and prohibit collection calls without written notice.

Lastly, it is crucial to keep detailed records of all the calls as evidence of harassment if you are considering legal action. It can also be helpful to consult a non-profit credit counselor or consumer protection attorney to get assistance in addressing any underlying debt.

Remember, blocking calls does not eliminate any legitimate debts you may owe. However, by following these proactive steps, you can put an end to harassment while still addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 7635619120 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to know your rights when it comes to calls from the number 7635619120, under the Fair Debt Collection Practices Act (FDCPA). To determine if they are violating the FDCPA, document any potential violations by recording the date, time, frequency, phone number, and details of all calls. If they call outside the allowed hours of 8am – 9pm in your time zone without your consent, note this as a violation. Similarly, if they repeatedly call over a short period or use abusive language, these actions are also violations.

To assert your rights, there are several steps you can take. First, in writing, revoke any prior consent given to call outside normal hours. If your workplace prohibits calls, formally request that they cease contact there. You can also send a cease and desist letter via certified mail demanding no further contact by phone. In addition, during any conversation with them, verbally request that they stop calling.

If you believe there are violations of the FDCPA, seek assistance on what to do next. Report any violations, providing documentation, to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to understand your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if FDCPA violations have occurred. Finally, consider reaching out to an experienced credit counselor for advice on addressing the debt without facing further collection calls.

If Company From 7635619120 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company calling from the phone number 7635619120 is a debt collector, it’s important to take the necessary steps to validate the debt and handle it effectively. Begin by sending a written request for debt validation to the collector. According to the FDCPA, they are legally obligated to provide you with this information. When reviewing the validation, carefully check for accuracy in personal details, creditor name, account number, and amount owed. If you come across any incorrect or unrecognized information, dispute it in writing and request its removal from your credit report.

Once the debt has been validated, it’s time to consider your options. You can communicate with the collector in writing to negotiate either a lump-sum settlement or a payment installment plan. Before making any payments, make sure to have the agreement in writing. If it is feasible for you, you may want to offer a partial payment of 30-50% of the balance and request that they delete the debt from your credit report in return. If the collector engages in any practices that violate regulations during the collection process, don’t hesitate to assert your rights under the FDCPA. Seeking assistance from a non-profit credit counseling agency can also be beneficial, as they can provide guidance on negotiating debt resolution. Additionally, consulting with an attorney may help you explore other options like filing for bankruptcy or pursuing legal action against the collector.

Throughout this entire process, it is crucial to maintain detailed records of all correspondence and phone calls

Can The Company From 7635619120 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 7635619120 is a debt collector and they have a legitimate claim, they do have the potential to sue you in order to recover the amount owed. This may result in wage garnishment or the freezing of your bank accounts if they are successful in obtaining a court judgment. It is crucial to take proactive measures to avoid legal action in this situation.

To avoid the possibility of being sued, it is recommended that you negotiate affordable lump-sum or installment payments with the debt collector. Putting this agreement in writing demonstrates your commitment to paying off the debt and may help to prevent a lawsuit. Alternatively, you can inform the collector that you are unable to pay and request that they cease contact, although it’s important to note that they may still proceed with legal action.

Seeking guidance from a non-profit credit counselor can be beneficial in working with the collector on your behalf. Additionally, consulting a consumer law attorney can help you understand your rights under the Fair Debt Collection Practices Act (FDCPA) and state laws designed to protect against unreasonable lawsuits. If your debts are overwhelming, it may be worthwhile to discuss the option of bankruptcy with an attorney.

Before agreeing to settle, carefully evaluate the proposed payment plan to ensure it is realistically affordable based on your current financial situation. It is vital to obtain written documentation of any settlement terms or agreements before making any payments. Keep in mind that a collector can still sue if you default on a settlement. Settling for a lump sum

If 7635619120 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 7635619120 is a collection company, the initial step is to validate the debt’s legitimacy. To do so, request written confirmation and carefully review the validation provided, ensuring the accuracy of both your personal details and debt information.

In case you find any inaccuracies, write a dispute letter to the collection agency under the Fair Credit Reporting Act. Clearly state that the debt is incorrect and demand its removal from your credit file.

If the collection agency verifies the validity of the debt, there are a few active measures you can take to potentially have it removed. One option is negotiating a pay-for-delete agreement in writing, where you settle the debt by making a lump-sum payment in exchange for its removal. Alternatively, you can propose a partial settlement payment as a gesture of goodwill and request deletion, although the agency is not obliged to remove it without a formal agreement.

If you prefer assistance, consider hiring a credit repair service to help you formally dispute the debt on your behalf and provide legal resources to aid in its removal. Another course of action is waiting for the 7-year credit reporting time limit, after which the collection will 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 or consult a consumer law attorney for potential legal action to have it removed and seek damages. Lastly, make sure to keep detailed written records of all your efforts to resolve the disputed collection account.

By taking proactive