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What Company Is Calling Me From 800-754-0961? Are They A Scam And Why Are They Calling Me?

The company calling from 800-754-0961 is unclear, as there are conflicting reports of it being associated with Verizon Wireless or a phishing scam. Some users claim it is Verizon Wireless’ collections center, while others argue it is a scam asking for personal information. Verizon Wireless representatives deny the number’s association with their company. Due to the prevalence of phishing scams and lack of clear information, it is advised to exercise caution when receiving calls from this number, avoid providing personal information, and report any suspicious calls to authorities.

How Can I Block Or Stop Calls From 800-754-0961?

To block or stop calls from 800-754-0961, first identify if it is a debt collector. Let unknown calls go to voicemail and then block the number by contacting your phone carrier or using call blocking apps. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, send a cease and desist letter via certified mail, requesting no further contact. Check if your state has laws beyond the FDCPA that require written notice before collection calls. If the collector continues to harass you, consult a non-profit credit counselor to negotiate a resolution or speak to a consumer protection attorney regarding your rights and potential lawsuits.

Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 800-754-0961 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 800-754-0961 might be violating the Fair Debt Collection Practices Act (FDCPA) if you have experienced any abusive, threatening, or deceptive practices. To protect your rights, keep a record of all calls, including date, time, frequency, and details. Note if they call outside the allowed hours of 8 am to 9 pm in your time zone.

To assert your rights, you can revoke consent for calls outside normal hours, request them to stop calling at work, send a cease and desist letter, or verbally ask them to stop during a conversation. If you suspect FDCPA violations, report them to the Consumer Financial Protection Bureau for investigation. Consult a consumer protection attorney for guidance on your rights and options, including suing for damages. Additionally, contact your state Attorney General’s office for assistance in addressing potential violations.

If 800-754-0961 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt associated with 800-754-0961, first determine if it’s a debt collector. If unsure, let the call go to voicemail and block the number. You can also send a cease and desist letter to stop unwanted calls. Once confirmed, request written validation of the debt and examine it for inaccuracies. If the debt is valid, negotiate a reasonable payment plan or settlement. Offer a partial payment of 30-50% of the balance if it’s affordable and request deletion from your credit report in exchange.

Assert your rights under the Fair Debt Collection Practices Act (FDCPA) if the collector violates regulations. Seek assistance from non-profit credit counseling agencies or attorneys for guidance on debt resolution and legal actions. Keep detailed records of all correspondence and calls for potential complaints. Avoid sharing personal information with unknown callers and always verify the legitimacy of calls from 800-754-0961.

Can 800-754-0961 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 800-754-0961, be cautious and avoid sharing personal information. Verify the company’s affiliation and block the number if needed. If they continue to contact you, take legal action to protect your rights. If the debt is legitimate, negotiate affordable payment terms and avoid agreeing to settlements you can’t maintain. Consult with a non-profit credit counselor, attorney, or consider bankruptcy as options. Thoroughly document all calls, letters, and efforts to address the debt to have a clear record.

If 800-754-0961 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-754-0961 is a debt collection company, you can take several steps to potentially remove it from your credit report. First, validate the debt’s legitimacy by requesting written confirmation from the collector. Review the validation carefully to ensure your personal details and the 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 and demand they remove the collection tradeline from your credit file.

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.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
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 800-754-0961?

When searching for feedback and comments about 800-754-0961, many people have reported receiving calls that claim to be from Verizon or Verizon Wireless. These calls may involve account verifications or past due accounts, but some individuals suspect these calls to be phishing scams, aiming to obtain personal information. It is crucial to verify the legitimacy of these calls before disclosing any personal details.

In a nutshell, people have expressed uncertainty about the company affiliation of 800-754-0961. Some believe it may be associated with Verizon Wireless, while others suspect it could be a phishing scam. To protect oneself from potential scams, it is recommended to let unknown calls go to voicemail and block the number through phone carrier settings or call blocking apps.

As a final point, sending cease and desist letters, documenting calls, and consulting legal counsel for rights protection can help safeguard personal information. If the call is from a debt collector, negotiate payment plans, settlements, or consult credit counselors or attorneys for guidance. Additionally, remove the debt from credit reports through pay-for-delete agreements or credit repair services.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE