800-955-9096

What Company Is Calling Me From 800-955-9096? Are They A Scam And Why Are They Calling Me?

Chrysler Capital is the company behind the phone number 800-955-9096, which may be associated with debt collection agencies or financial institutions. They could be calling about unpaid bills, possibly leading to a collections account on your credit report, negatively impacting your credit score. These calls are likely spam from collection companies trying to collect potential debts. To address this, you can work with Credit Glory to challenge the debt’s accuracy and timeliness, ensuring it is reported correctly. Moreover, consult a lawyer specializing in the Fair Debt Collection Practices Act (FDCPA) to understand your rights and consider working with a credit repair professional like Credit Glory to analyze your credit report and remove any inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items. By understanding your rights under the FDCPA and taking appropriate action, you can protect yourself from debt collection harassment and maintain a healthy credit score.

How Can I Block Or Stop Calls From 800-955-9096?

To block or stop calls from 800-955-9096, follow these steps:

1. Identify if it’s a debt collector: Let unknown calls go to voicemail and avoid answering directly.

2. Block the number:

a. Contact your phone carrier to permanently block the number.
b. Use call blocking apps like Nomorobo or Hiya.
c. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

3. Request no further contact:

a. Send a cease and desist letter via certified mail demanding no further calls.
b. Check your state’s laws for additional protections beyond the FDCPA.
c. Keep detailed records of calls to demonstrate a pattern of harassment.

4. Address the underlying debt:

a. Consult a non-profit credit counselor to negotiate debt resolution.
b. Speak to a consumer protection attorney about your rights and potential lawsuits.
c. Check voicemails from identified collectors to monitor any messages.

Blocking calls does not eliminate any debts owed, but it can stop harassment and help address outstanding debts.

Is 800-955-9096 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 or harassing debt collection practices. If you’re receiving calls from 800-955-9096, you should be aware of your rights under the FDCPA.

To document potential FDCPA violations, start by recording the date, time, frequency, phone number, and details of all calls. Note if the collector calls outside of allowed hours (8am – 9pm in your time zone) or if they repeatedly call over a short period. Also, log any abusive, threatening, or obscene language used on the calls.

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

If you believe the calls are violating the FDCPA, report the violations with documentation to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also ask a 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 800-955-9096 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 800-955-9096 is a debt collector, the first step is to validate the debt they claim you owe. To do this, you must formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, carefully review the information provided. Verify your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

After validating the debt, 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.

The key is never ignoring 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 800-955-9096 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-955-9096 is a debt collector, they could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can negotiate affordable payments, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy as an option if debts are overwhelming.

Before agreeing to settle, carefully consider the proposed payment plan’s affordability, get any settlement terms or agreements in writing, and be aware that the 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 800-955-9096 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-955-9096 is a collection company, you can take several steps to potentially remove it from your credit report. First, validate if the debt is legitimate by requesting written confirmation. 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 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: negotiate 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, or hire a credit repair service to formally dispute the debt on your behalf. Another option is to wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.

If the collection company violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. 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 800-955-9096?

800-955-9096 is a phone number linked to Chrysler Capital, a financial institution that has received various feedback and comments from users. Many people report that this number is used for debt collection attempts, telemarketing, and even harassment. Some users claim that these calls may violate privacy and civil laws, as debt collectors are not allowed to contact third parties for debtor information. If you receive calls from this number and believe they are in violation of the Fair Debt Collections Act, you can report them to the Federal Trade Commission. To address the issue, work with Credit Glory to challenge the debt’s accuracy and consult with a legal professional for FDCPA rights. Utilize Credit Glory to analyze your credit report and remove negative items. Identify if the unknown call is from a debt collector and block the number through your phone carrier, call blocking apps, or smartphone settings. Send a cease and desist letter and document all calls to protect your rights. Consult a non-profit credit counselor or consumer protection attorney to address the underlying debt. Understand your rights under the FDCPA and document details of debt collection calls, tracking potential violations, and report them to the appropriate authorities.