775-299-5467

What Company Is Calling Me From 775-299-5467? Are They A Scam And Why Are They Calling Me?

The company calling from 775-299-5467 is Professional Finance Company, Inc. (PFC). They may be contacting you about a debt you have or had in the past. PFC has faced accusations of unscrupulous practices, such as charging interest on old debts and not fully disclosing loan terms. They have also been accused of potentially violating the Fair Credit Reporting Act (FCRA) by improperly reporting information to credit bureaus. If you are receiving calls from this number and suspect PFC is not following debt collection laws, seek legal advice from a debt collection attorney to protect your rights.

How Can I Block Or Stop Calls From 775-299-5467?

To block or stop calls from 775-299-5467, first, let unknown calls go to voicemail and do not answer directly. Debt collectors may leave messages stating they are attempting to collect a debt. Contact your phone carrier to permanently block the number or utilize call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Once you have identified the number as a debt collector, formally request no further contact. Send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Get help addressing the underlying debt by consulting a non-profit credit counselor to help negotiate resolution of the debt or speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 775-299-5467 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from 775-299-5467 and suspect they might be violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to document any potential violations to protect your rights as a consumer. Keep track of the date, time, frequency, phone number, and details of all calls, noting if the collector calls outside the allowed hours of 8 am to 9 pm in your time zone. Additionally, document any abusive, threatening, or obscene language used during the calls.

To assert your rights, you can revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace, send a cease and desist letter via certified mail, or verbally request they stop calling during any conversation. If you believe the collector is violating the FDCPA, report the violations with documentation to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also ask an experienced credit counselor to help address the debt without further collection calls.

Adhering to the FDCPA is mandatory for any collector contacting you. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 775-299-5467 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, request written validation of the debt from the collector, as required by the Fair Debt Collection Practices Act (FDCPA). Review the validation for accuracy and dispute any incorrect information in writing. Request removal from your credit report if necessary.

Once you’ve validated the debt, explore your options. You can negotiate a lump-sum settlement or a payment installment plan in writing before sending any payment. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Know your rights under the FDCPA and assert them if the collector violates regulations.

Consider consulting a non-profit credit counseling agency for guidance on debt resolution or contact an attorney to explore options like bankruptcy or legal action against the collector. Maintain detailed records of all correspondence and calls, and revoke any prior permission given to contact you outside FDCPA guidelines. Remember, it’s essential to never ignore a potential debt collector. Confirm if the debt is valid, exercise your consumer rights, and seek help from professionals to ensure a fair outcome.

Can 775-299-5467 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is legitimate, they can potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, consider negotiating a payment plan, asserting your inability to pay and requesting they cease contact, seeking credit counseling, hiring a consumer law attorney, or considering bankruptcy if debts are overwhelming. Document all communication and efforts to address the debt. Before settling, ensure the proposed payment plan is affordable, get any settlement terms in writing, be aware they can still sue if you default on a settlement, and only agree to payments you can realistically maintain. Seek help to understand your options and rights first.

If 775-299-5467 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive a call from 775-299-5467, which may be from a debt collection company, it’s crucial to validate the debt’s legitimacy. Request written confirmation from the collection agency, and review the validation carefully for accuracy. If any information is incorrect, send a written dispute stating the debt is inaccurate per the Fair Credit Reporting Act (FCRA).

If the debt is legitimate, 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 can also help in getting it removed.

Another option is waiting 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 (CFPB). Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another possible step.

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

What Feedback And Comments Do People Leave About 775-299-5467?

When people leave feedback about 775-299-5467, they often share their experiences with debt collection calls from Professional Finance Company, Inc. (PFC). Common complaints include being called without leaving a voicemail, discussing non-existent debts, and suspicious requests for personal information. PFC is a collections agency that contacts people about debts, and they have faced allegations of violating the Fair Credit Reporting Act (FCRA). If you believe PFC is not following laws and protecting your rights, consult a debt collection lawyer to address the issue. To determine if the unknown number is a debt collector, let it go to voicemail and do not answer directly. Block the number by contacting your phone carrier or using call blocking apps. Additionally, you can send a cease and desist letter via certified mail, and check state laws for further protections. Consult a non-profit credit counselor or consumer protection attorney to address underlying debt and potential violations. Monitor voicemail messages from identified collectors to stay informed about the situation, and understand the Fair Debt Collection Practices Act (FDCPA) protections for consumers. Document any potential violations and assert your rights to ensure proper treatment during debt collection calls.