800-931-1118

What Company Is Calling Me From 800-931-1118? Are They A Scam And Why Are They Calling Me?

The phone number 800-931-1118 is often associated with spam calls and could potentially be a scam. Users have reported receiving calls from this number asking for someone named Josh, and the callers often have a foreign accent. To determine if the call is from a legitimate company, identify the company and verify their information. If the callers are not legitimate, block the number and send a cease and desist letter. Consult a non-profit credit counselor or consumer protection attorney for guidance on dealing with debt collectors and potential scams.

The Fair Debt Collection Practices Act (FDCPA) offers protections for consumers during debt collection calls. Document any potential FDCPA violations and assert your rights. Request written validation of the debt and dispute any inaccurate information. Negotiate a settlement or payment plan and consider legal action if necessary.

To ensure the debt is legitimate, validate the debt, dispute inaccurate information, and negotiate pay-for-delete agreements with the debt collector. Monitor the caller rating and report any potential harm caused by unsolicited calls. By following these steps, you can protect yourself from scams and handle debt collection calls effectively.

How Can I Block Or Stop Calls From 800-931-1118?

If you’re receiving unwanted calls from 800-931-1118, you can take several steps to block or stop these calls. First, identify if it’s a debt collector by letting unknown calls go to voicemail. If they leave a message, note their claim. Next, 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.

Then, request no further contact by sending a cease and desist letter via certified mail. Be aware of your state laws that may provide additional protections. Keep detailed records of calls as evidence of harassment. Finally, address the underlying debt by consulting a non-profit credit counselor or speaking to a consumer protection attorney. Avoiding unknown calls completely is not advisable, so check voicemails and block calls to stop harassment while addressing any outstanding debts.

Is 800-931-1118 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is in place to protect consumers from unfair and abusive debt collection practices. If you receive a call from the number 800-931-1118, it is important to document the details of the call, such as the date, time, frequency, phone number, and any language used. If the collector is calling outside of the allowed hours, repeatedly calling over a short period, or using abusive language, they may be violating the FDCPA.

To protect your rights as a consumer, you can revoke any prior consent given to call outside normal hours, request that they cease contact at your workplace, send a cease and desist letter, and verbally ask them to stop calling during a conversation. Report any violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Remember to adhere to the FDCPA guidelines to prevent further harassment from debt collectors. Keep detailed records and assert your rights to ensure fair treatment during debt collection.

If 800-931-1118 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 800-931-1118 is a debt collector, the first step to validate the debt is to send a debt validation letter by mail. In this letter, request written verification of the debt details, including your personal information, creditor name, account number, and amount owed. Carefully review the validation and dispute any incorrect or unrecognized information in writing, requesting removal from your credit report.

Once the debt is validated, consider negotiating a reasonable settlement or payment installment plan. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Keep in mind the Fair Debt Collection Practices Act (FDCPA) and assert your rights if the collector violates regulations. Consult a non-profit credit counseling agency or attorney for guidance on debt resolution and potential legal action.

Maintain detailed records of all correspondence and calls, and revoke any prior permission given to contact you outside FDCPA guidelines. Confirm the legitimacy of the debt and exercise your consumer rights under federal and state law to determine the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 800-931-1118 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-931-1118 is a debt collector, they have the legal right to sue you for the outstanding debt and potentially garnish your wages if they obtain a court judgment. To prevent legal action, you can take several steps. First, negotiate a payment plan that suits your financial situation. Second, if you genuinely cannot pay the debt, assert your inability to do so. Third, seek advice from a credit counselor or attorney to guide you through the process. Lastly, explore bankruptcy as a last resort to eliminate the debt.

Before settling with the debt collector, make sure the terms are reasonable and within your budget. Ensure you have any agreements in writing to avoid future disputes. Remember that even if you settle, the debt collector can still sue you if you fail to meet the agreed-upon payments. Make sure you can maintain the agreed-upon payments to avoid further legal action.

If 800-931-1118 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-931-1118 is a debt collection company, you can remove it from your credit report by first validating if the debt is legitimate. Request written confirmation from the collection agency and review the validation carefully for accuracy. If any information is incorrect, dispute the debt in writing.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment, or hiring a credit repair service to dispute the debt on your behalf. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to fall off your report automatically.

If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to sue for removal and damages. Keep detailed written records of 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.

What Feedback And Comments Do People Leave About 800-931-1118?

People often leave feedback about 800-931-1118 as spam, relating to insurance matters. Users report multiple calls, with the caller asking for someone named Josh. There are no voicemails left, and the calls continue even after being blocked. The community has given this number a neutral caller rating, but it’s advised to remain cautious. Unsolicited insurance calls can be harmful.

To address this issue, exercise caution to identify if the call is from a debt collector. If so, take note of the FDCPA protections for consumers during debt collection calls. Block the number and send a cease and desist letter to the caller. Consult a non-profit credit counselor or consumer protection attorney if there are potential FDCPA violations.

Document any potential FDCPA violations and assert your rights. Request written validation of the debt and dispute any inaccurate information. Negotiate a settlement or payment plan and consider legal action if the situation escalates. Verify the debt’s legitimacy, dispute inaccurate information, and negotiate pay-for-delete agreements if possible.

Monitor the caller rating for 800-931-1118 and report any potential harm caused by unsolicited calls. By taking these steps, you can protect yourself from potential scams and ensure your rights are being upheld during debt collection calls.