800-599-2335

What Company Is Calling Me From 800-599-2335? Are They A Scam And Why Are They Calling Me?

The company calling from 800-599-2335 is associated with American General’s Resolution Center and Springleaf Financial, now known as OneMain Financial. They are debt collectors and have been reported to make automated calls regarding debts owed. Some users have experienced unwanted calls, lack of identification, and harassment. If you receive a call and are unsure why they are contacting you, ask for more information about the debt. If you believe the call is a scam, report it to the FTC and National Do Not Call Registry.

Ultimately, it is crucial to be cautious when receiving calls from unknown numbers, especially those related to debt collection. Ensure you understand your rights under the Fair Debt Collection Practices Act (FDCPA) and document any calls received, negotiating payment plans or settlements to avoid legal action. If you feel harassed or threatened, consult a professional for guidance on handling the situation effectively.

How Can I Block Or Stop Calls From 800-599-2335?

To block or stop calls from 800-599-2335, consider the following steps:

1. If you receive unknown calls, let them go to voicemail and avoid engaging directly with the caller.

2. Identify if the call is from a debt collector and contact your phone carrier to block the number permanently. You can also use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

3. 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 letter invoking those rights.

4. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

5. Consult a non-profit credit counselor to help negotiate resolution of the debt or speak 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 800-599-2335 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 800-599-2335 is associated with American General’s Resolution Center and Springleaf Financial, now OneMain Financial, a debt collector. Users report unwanted calls, lack of identification, and harassment from this number. To address calls, identify if it’s a debt collector, block the number, send a cease and desist letter, and consult a professional.

The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive debt collection practices; document calls and report violations. To document potential FDCPA violations, record the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8am – 9pm in your time zone, and track any abusive, threatening, or obscene language used on calls.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace if prohibited, and send a cease and desist letter via certified mail demanding no further contact by phone. If you believe FDCPA violations have occurred, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Ask an experienced credit counselor how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 800-599-2335 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, identify if 800-599-2335 is a debt collector. If it is, you can validate the debt and protect your rights by following these steps:

1. Request written validation of the debt by sending a debt validation letter to the collector. This is required by law under the FDCPA.
2. Carefully review the validation for accuracy, checking your personal details, the creditor’s name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider these options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. Assert your rights under the FDCPA if the collector violates regulations during collection.
4. Seek guidance from a non-profit credit counseling agency for help negotiating debt resolution.
5. Consult an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, 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 800-599-2335 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-599-2335 is a debt collector trying to contact you, they have the right to sue you for the debt owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider the following steps:

1. Negotiate an affordable lump-sum or installment payment in writing, demonstrating your good faith effort to pay.
2. Assert your inability to pay and request they cease contact. This may prevent them from suing, 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 if debts are overwhelming, and consult with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt to have a clear record.

Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget. Get any settlement terms or agreements in writing before making payments. Be aware that a collector can still sue if you default on a settlement. 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 800-599-2335 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-599-2335 is a debt collection company, the first step is to validate if the debt is legitimate by requesting written confirmation from the collector. Review the validation carefully to ensure your personal details and the debt information is 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 these active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal. This requires paying a lump-sum settlement.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. But they are not obligated to remove it without a formal agreement.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. 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. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 800-599-2335?

People have left various comments and feedback about the phone number 800-599-2335, which is associated with debt collectors from companies like Springleaf Financial and OneMain Financial. Callers often leave automated messages about debts, but sometimes do not leave messages or provide their identities. These calls are frequently reported as unwanted or spam calls, with some people suggesting to block the number to avoid receiving further calls. It is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and take necessary actions such as identifying if it’s a debt collector, blocking the number, sending a cease and desist letter, and consulting a professional for assistance.