800-236-9454

What Company Is Calling Me From 800-236-9454? Are They A Scam And Why Are They Calling Me?

The company calling you from 800-236-9454 is eLoan, a debt collector. They may be attempting to collect a debt on behalf of a creditor or have purchased the debt themselves. It is crucial to be aware of your rights under the Fair Debt Collection Practices Act to avoid aggressive or deceptive practices. If you suspect your rights have been violated, you may be eligible for compensation. To challenge their debt and ensure accuracy in your credit report, consider collaborating with a professional credit repair company like Credit Glory.

How Can I Block Or Stop Calls From 800-236-9454?

First, identify if the call is from a debt collector by letting unknown calls go to voicemail and checking the messages. If it’s a debt collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. Next, set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. Send a cease and desist letter via certified mail demanding no further calls. Consult a non-profit credit counselor to help negotiate a resolution of the debt and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts. Remember to know your rights under the Fair Debt Collection Practices Act (FDCPA) and challenge debt accuracy and credit report with a professional credit repair company like Credit Glory.

Is 800-236-9454 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 800-236-9454, it’s crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). To determine if the number is violating this act, document each call’s details, such as date, time, frequency, and any abusive language used.

To protect your rights, you can revoke consent for calls outside of the allowed hours (8am-9pm), request them to stop calling your workplace, send a cease and desist letter, or verbally ask them to stop during a conversation. If you suspect a violation, report it to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Another option is to seek help from a credit counselor to address the debt without further collection calls. Debt collectors must follow the FDCPA, and keeping detailed records can help protect you from harassment.

If 800-236-9454 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, such as Eloan, by mailing a debt validation letter. They are legally obligated to provide this under the FDCPA. Carefully review the validation for accuracy, checking your personal details, the creditor’s 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: 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. Assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints. 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 federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 800-236-9454 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-236-9454 is a debt collector, they could potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact. This may prevent suit, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 800-236-9454 Is A Collection Company, How Can I Remove It From My Credit Report?

First, ensure 800-236-9454 is indeed a collection company by requesting written confirmation of the debt. If any details are incorrect, dispute the debt in writing following the Fair Credit Reporting Act.

If the debt is valid, negotiate a pay-for-delete agreement, offer a good faith partial settlement payment with deletion request, or hire a credit repair service to dispute the debt. Alternatively, wait for the 7-year credit reporting time limit to pass, allowing the collection to automatically fall off your report.

Remember to file a complaint with the Consumer Financial Protection Bureau if the collector violates laws, consult a consumer law attorney for legal assistance, and maintain detailed written records of your efforts to resolve the disputed collection account. By actively validating debts, negotiating with collectors, and asserting your rights, you can work towards removing collections from your credit report.

What Feedback And Comments Do People Leave About 800-236-9454?

People have left various feedback and comments about the phone number 800-236-9454, which is associated with eLoan, a debt collector. Users report receiving calls from the number, sometimes displaying as “US Bank credit card services” or “card services” on their caller ID. Some users question the legitimacy of the calls, while others confirm it as US Bank’s collections department. The number may also be related to Southwestern Bell ATT. Users have expressed concerns about potential scams, and if unsure about the origin or legitimacy of calls, consulting with a credit repair professional or debt collector specialist is advised.

In the end, the feedback and comments about 800-236-9454 primarily focus on the legitimacy of the calls and concerns about scams. Users are advised to be cautious and seek professional advice if unsure about the calls’ origin or purpose.