800-381-6799

What Company Is Calling Me From 800-381-6799? Are They A Scam And Why Are They Calling Me?

The phone number 800-381-6799 is associated with Financial Customer Call, a company that offers financial services. However, numerous reports suggest that this number is frequently used for spam calls, such as debt collection and crypto fraud. To avoid falling victim to scams, it is essential to exercise caution when receiving calls from unknown numbers. Use spam blocking apps like Robokiller or YouMail to help filter out unwanted calls, and avoid sharing personal information with unknown callers. If you suspect a call is suspicious, report it to the Federal Trade Commission (FTC) to help protect others from similar scams. Additionally, familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and consider seeking professional assistance, such as credit repair services or an attorney, to navigate any debt-related issues.

How Can I Block Or Stop Calls From 800-381-6799?

First, identify if the calls are from a debt collector by letting unknown calls go to voicemail and checking messages. If it’s a debt collector, contact your phone carrier to permanently block the number. Alternatively, use call blocking apps like Nomorobo or Hiya to block the number at the network level. For smartphones, 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. 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 negotiate resolution of the debt or 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.

Is 800-381-6799 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 800-381-6799 is associated with financial services, and there have been reports of spam calls, including debt collection and crypto fraud. To protect yourself, use spam blocking apps like RoboKiller or YouMail, be cautious of unknown callers, and avoid sharing personal information. If you receive a suspicious call, report it to the FTC and identify if it is from a debt collector. If so, block the number and report violations under the Fair Debt Collection Practices Act (FDCPA).

As a consumer, you have rights under the FDCPA regarding debt collection calls. Document the details of all calls, including date, time, frequency, phone number, and any abusive or threatening language used. Revoke any prior consent for calls outside of allowed hours, request them to cease contact at your workplace, and send a cease and desist letter via certified mail. You can also verbally request they stop calling during a conversation.

If you believe the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau and consider consulting a consumer protection attorney for guidance on your specific rights and options. You can also contact your state Attorney General’s office for assistance. Additionally, you can ask a credit counselor for advice on addressing the debt without incurring further collection calls. Adhering to the FDCPA and keeping detailed records will help prevent further harassment from debt collectors.

If 800-381-6799 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 800-381-6799 is a debt collector, follow these steps:

1. Request written validation of the debt from the collector by sending a debt validation letter. This is legally required under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy, ensuring your personal details, creditor name, account number, and amount owed are correct.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once you’ve validated the debt, 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.
– Formally assert your rights under the FDCPA if the collector violates regulations during collection.
– Consult a non-profit credit counseling agency for guidance 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.

Always be proactive when dealing with potential debt collectors. Confirm the validity of the debt and exercise your consumer rights under federal and state law to find the best path to resolution. Don’t hesitate to seek professional help to ensure a fair outcome.

Can 800-381-6799 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-381-6799 is a debt collector, they have the legal right to sue you for the outstanding debt. If they win a court judgment, your wages or bank accounts could be garnished. To avoid legal action, try negotiating affordable payment plans, asserting your inability to pay, seeking credit counseling, or hiring a consumer law attorney. Bankruptcy may also be an option if debts are overwhelming. Document all interactions with the collector and be cautious of agreeing to settlement terms you can’t maintain.

If 800-381-6799 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-381-6799 is a collection company, you can remove it from your credit report by first validating if the debt is legitimate. Request written confirmation of the debt and review it carefully to ensure your personal details and debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

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, 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, file a complaint with the Consumer Financial Protection Bureau or 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 ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 800-381-6799?

People have left mixed feedback about 800-381-6799, with some experiencing spam calls and others receiving legitimate calls regarding their accounts and financial matters. It’s essential to be cautious when receiving calls from this number and assess the context to determine if the call is legitimate. Use spam blocking apps like RoboKiller or YouMail to filter out unwanted calls and report suspicious calls to the Federal Trade Commission. Know your rights under the Fair Debt Collection Practices Act and consult professionals for assistance in dealing with debt collectors. Always verify the debt’s legitimacy and dispute inaccurate information to protect yourself from potential scams.