800-705-5145

What Company Is Calling Me From 800-705-5145? Are They A Scam And Why Are They Calling Me?

The number 800-705-5145 is connected to Great Lakes Educational Loan Services, a company that offers student loan services. Some users have reported receiving undesired calls from this number, leading to suspicions of it being a scam or telemarketer. It’s crucial to be cautious when receiving calls from this number and not provide personal information unless certain of the caller’s identity. If unsure, contact Great Lakes Educational Loan Services directly to verify the call’s authenticity.

To handle potential scam or telemarketer calls, follow these steps:

1. Block the number through your phone carrier, call blocking apps, or smartphone settings.
2. Send a cease and desist letter and maintain records of calls.
3. Consult a non-profit credit counselor or consumer protection attorney for assistance with debt resolution.
4. Understand the Fair Debt Collection Practices Act (FDCPA) protections and rights for consumers in debt collection calls.
5. Document potential FDCPA violations and assert rights, such as revoking consent and requesting cessation of contact.
6. Request written validation of the debt and negotiate a settlement or payment plan.
7. Maintain records of all correspondence and calls for potential complaints, and revoke permission for non-FDCPA compliant contact.

Ultimately, safeguarding your personal information and understanding your rights under the FDCPA can help you address unwanted calls and protect yourself from potential scams or debt collection violations.

How Can I Block Or Stop Calls From 800-705-5145?

First, determine if the calls are from a debt collector. If so, do not answer unknown calls and let them go to voicemail. Next, contact your phone carrier to permanently block the number or use call blocking apps or smartphone settings to filter out the number. Additionally, send a cease and desist letter via certified mail to request no further contact. Keep detailed records of calls to show a pattern of harassment if necessary.

To resolve any outstanding debts, consult a non-profit credit counselor for help in negotiating a resolution. If the collector violates regulations, consider speaking to a consumer protection attorney about your rights and potential lawsuits. Remember, blocking calls will not eliminate any legitimate debts, but taking proactive steps can stop harassment and address outstanding debts.

Is 800-705-5145 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. If you’re receiving calls from the number 800-705-5145, associated with Great Lakes Educational Loan Services, it’s essential to understand your rights and how to handle the situation.

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, if they repeatedly call over a short period, and if they use any abusive, threatening, or obscene language.

To assert your rights, you can revoke any prior consent given to call outside normal hours, request they cease contact at your workplace if prohibited by your employer, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation.

If you believe there are FDCPA violations, 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 on the matter. Additionally, 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 800-705-5145 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 800-705-5145 and it is a debt collector, first verify their authenticity by contacting the creditor, Great Lakes Educational Loan Services. To validate the debt, send a written debt validation letter to the collector, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, and dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following 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. Formally assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact 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 800-705-5145 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 800-705-5145, it is likely from Great Lakes Educational Loan Services. To verify the call’s authenticity, contact the company directly. If the call is unwanted or harassing, block the number through your phone carrier or smartphone settings.

When dealing with debt collectors, remember your rights under the Fair Debt Collection Practices Act (FDCPA). You can request written validation of the debt and negotiate a settlement or payment plan. If you cannot pay, assert your inability to pay and ask the collector to cease contact.

Before settling, evaluate your financial situation and ensure the payment plan is realistic and affordable. Get any settlement terms or agreements in writing before making payments. Keep in mind that collectors can still sue if you default on a settlement.

Consider working with a non-profit credit counselor or hiring a consumer law attorney to understand your rights and protections against unreasonable lawsuits. In some cases, bankruptcy may be an option if debts are overwhelming. Always document calls, letters, and your efforts to address the debt to have a clear record.

If 800-705-5145 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-705-5145 is a collection company, you can remove it from your credit report by following these steps:

1. First, verify if the debt is legitimate by requesting written confirmation from the collection agency.
2. 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.
3. 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. This requires paying a lump-sum settlement.
4. 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.
5. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
6. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
7. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
8. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
9. Keep detailed written records showing your efforts to resolve the disputed collection account.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially 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 800-705-5145?

People leave various feedback and comments about the phone number 800-705-5145, which is connected to Great Lakes Educational Loan Services. The primary concerns include debt collection for overdue loans, repeated calls without messages, calls for unknown individuals, potential number spoofing, requests for Social Security numbers, negative credit report postings, and scam accusations. To address these issues, it is crucial to verify the authenticity of the calls by contacting Great Lakes Educational Loan Services directly. If the calls persist, consider blocking the number through your phone carrier, call blocking apps, or smartphone settings. Additionally, sending a cease and desist letter and keeping records of the calls can help in case of potential violations. Consult a non-profit credit counselor or consumer protection attorney for further assistance and to understand the Fair Debt Collection Practices Act (FDCPA) protections and rights for consumers in debt collection calls. Request written validation of the debt and negotiate a settlement or payment plan with the lender, keeping records of all correspondence and calls for potential complaints.