800-973-5095

What Company Is Calling Me From 800-973-5095? Are They A Scam And Why Are They Calling Me?

If you receive a call from 800-973-5095, be aware that it might be a potential scam. Some users have reported receiving vague messages about savings opportunities or business matters, but there is no concrete evidence to confirm the company associated with this number. To protect yourself, exercise caution and verify the company’s identity before engaging in any conversation or providing personal information. To avoid unwanted calls, block numbers from unknown callers using your phone carrier or call blocking apps. If the call is from a debt collector, follow the Fair Debt Collection Practices Act (FDCPA) protections and assert your rights against harassment. To verify the legitimacy of the debt and company, consider requesting a pay-for-delete agreement or filing a complaint with the Consumer Financial Protection Bureau (CFPB). Remember, always be cautious of negative feedback and comments associated with 800-973-5095, as it may represent potential scams or unverified companies.

How Can I Block Or Stop Calls From 800-973-5095?

First, determine if the call is from a debt collector by letting unknown calls go to voicemail and checking for messages stating they are attempting to collect a debt. If so, contact your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked. Additionally, send a cease and desist letter via certified mail demanding no further calls. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. 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.

Is 800-973-5095 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from 800-973-5095, it is important to know your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that protects consumers from abusive, deceptive, or unfair debt collection practices. To document any potential FDCPA violations, make sure to keep track of the date, time, frequency, phone number, and details of all calls.

If you believe your rights are being violated, you can revoke any prior consent for calls outside of normal hours, request that they cease contact at your workplace, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation.

If you suspect that your rights have been violated, report the violations to the Consumer Financial Protection Bureau (CFPB), consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. An experienced credit counselor can also help you address the debt without further collection calls.

Adhering to the FDCPA is essential for collectors contacting you. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 800-973-5095 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 800-973-5095 is a debt collector, the first step is to validate the debt. To do this, send a debt validation letter to the collector requesting written proof of the debt. This is a legal requirement under the Fair Debt Collection Practices Act (FDCPA).

Once you have validated the debt, consider your options. You can negotiate a reasonable settlement or payment installment plan in writing, or offer partial payment of 30-50% of the balance if affordable, while requesting deletion from your credit report. Assert your rights under the FDCPA if the collector violates regulations. Seek guidance from a non-profit credit counseling agency or consult an attorney to explore options like bankruptcy or legal action against the collector.

Maintain detailed records of all correspondence and calls, and revoke any prior permission given to contact you outside FDCPA guidelines. Remember, never ignore a potential debt collector. Confirm if the debt is valid, exercise your consumer rights under federal and state law, and seek help from professionals to ensure a fair outcome.

Can 800-973-5095 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-973-5095 is a debt collector, they could potentially sue you for the outstanding debt and garnish your wages or bank account if they obtain a court judgment. To avoid legal action, you should try to negotiate an affordable payment plan in writing, assert your inability to pay and request them to cease contact, seek guidance from a non-profit credit counselor, or hire a consumer law attorney. Bankruptcy may be an option if debts are overwhelming, but consult with an attorney first. Document all calls, letters, and efforts to address the debt to have a clear record.

Before settling the debt, make sure the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing, and be aware that the collector can still sue if you default on a settlement. Settling may make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 800-973-5095 Is A Collection Company, How Can I Remove It From My Credit Report?

If you receive calls from 800-973-5095 and suspect it is a collection company, 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.

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 800-973-5095?

People often leave feedback and comments about the phone number 800-973-5095, and the majority of these remarks are negative. Many individuals have reported receiving mysterious calls with recorded messages or unclear intentions, which are often unsolicited or potentially fraudulent. Some claim that the callers represent companies like Discover, but without enough context or identifying information. This number has also been connected to scam suspicions, including threatening messages and requests for personal information. It is essential to be cautious when receiving calls from this number and verify the caller’s identity before disclosing any personal information.