8007541913

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What Company Is Calling Me From 8007541913 And Why Are They Calling? Are They A Debt Collector?

The company calling you from 800-754-1913 is likely First Collection Services, a debt collection agency. They may be calling to collect on an outstanding debt. However, it’s important to be cautious as scammers may also pose as debt collectors. To differentiate between legitimate debt collectors and scammers, the Consumer Finance Protection Bureau offers guidance. Legitimate debt collectors should provide information about the debt, such as the creditor and amount owed. On the other hand, scammers may employ threatening tactics or demand immediate payment in unusual ways.

If you receive calls from 800-754-1913 and don’t recognize the debt, it’s wise to ask for written validation before sharing any personal information or making any payments. This will help you verify the authenticity of the debt and avoid becoming a victim of scams. You also have the choice to opt out of further communication from debt collectors if you prefer not to receive their calls.

To gain a more comprehensive understanding of your financial situation and any potential debts, consider obtaining a 3-bureau credit report through IdentityIQ. This report will provide detailed information about your credit history and any outstanding debts associated with your phone number or personal information. It can help you better manage your finances and address any outstanding debts appropriately.

How Can I Block Or Stop Calls From 8007541913?

If you receive calls from the number 8007541913 and suspect it may be a debt collector, there are steps you can take to stop these calls. First, let unknown calls go to voicemail and avoid answering them directly. Debt collectors often leave messages stating they are attempting to collect a debt.

Once you have identified the caller as a collector, contact your phone carrier to block further calls. Most major carriers offer call blocking options through customer support or your online account. You can also use call blocking apps like Nomorobo or Hiya to automatically filter out and block the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

To formally request no further contact, send a cease and desist letter via certified mail. In the letter, demand that the collector stop calling you. If applicable, invoke any state laws beyond the FDCPA (Fair Debt Collection Practices Act) that prohibit collection calls without written notice. Keep detailed records of all calls to demonstrate a pattern of harassment if legal action is being considered.

Address any underlying debt by consulting a non-profit credit counselor who can help negotiate a resolution for the debt. If the collector violates regulations, speak to a consumer protection attorney regarding your rights and potential lawsuits. Lastly, regularly check voicemails for messages from identified collectors; avoiding unknown calls completely is not advisable.

By taking these proactive steps, you can stop harassment from debt collectors while dealing with outstanding debts responsibly. Remember that blocking calls does not eliminate legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 8007541913 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights protected by the Fair Debt Collection Practices Act (FDCPA) when dealing with calls from 8007541913 or any debt collector. To determine if the debt collector is violating the FDCPA, make sure to document important details such as the date, time, frequency, and phone number of their calls. Violations may include calling outside of the allowed hours of 8am – 9pm in your time zone without your consent, making repeated calls within a short period, or using abusive or threatening language.

To exercise your rights, start by revoking any prior consent you may have given for them to call outside of normal hours. Make sure to do this in writing. If they are calling your workplace, which may be prohibited by your employer, formally request that they stop contacting you there. You can also send a cease and desist letter via certified mail, explicitly stating that you do not wish to be contacted by phone anymore. During any conversation with the debt collector, verbally ask them to stop calling.

If you believe there have been violations of the FDCPA, it is important to report them to the Consumer Financial Protection Bureau. Provide them with all the documentation you have gathered to initiate an investigation. It may also be beneficial to consult with a consumer protection attorney who can offer guidance on your specific rights and options, such as pursuing legal action for damages. Additionally, reaching out to your state Attorney General’s office can provide further guidance

If Company From 8007541913 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company from the number 8007541913 is a debt collector, it’s crucial to validate the debt. To do this, simply send a written request for debt validation to the collector. They have a legal obligation to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation they provide, making sure all personal details, creditor name, account number, and amount owed are accurate. If you come across any incorrect or unfamiliar information, dispute it in writing and ask for its removal from your credit report.

Once you have verified the debt, you’ll have several options for addressing it. You can negotiate a reasonable lump-sum settlement or a payment installment plan in writing before making any payments. Another option is to offer a partial payment of 30-50% of the balance if it’s affordable for you, and request that it be deleted from your credit report as part of the agreement. In case the debt collector violates any regulations during their collection efforts, you can assert your rights under the FDCPA by taking formal action. Seeking guidance from a non-profit credit counseling agency can also help you navigate the process of negotiating debt resolution. Additionally, contacting an attorney will enable you to explore possibilities like bankruptcy or legal action against the collector. Be sure to keep detailed records of all communication and calls for potential complaints, and consider withdrawing any prior permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Always validate the debt and exercise your consumer rights under federal and state laws before deciding on the best course of action. Seeking assistance from professionals can ensure a fair resolution to your debt situation.

Can The Company From 8007541913 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you are receiving calls from a company at 8007541913 and they are a debt collector, you should be aware that they have the potential to sue you or garnish your wages in order to collect the money owed. If they are able to obtain a court judgment, they have the legal authority to take these actions. It is important to take steps to prevent legal consequences if possible.

To avoid facing legal action from the debt collector, there are a few options available to you. One option is to negotiate affordable lump-sum or installment payments and ensure that these agreements are in writing. By doing so, you demonstrate your willingness to pay and this may deter them from filing a lawsuit. Additionally, you can inform the collector that you are unable to pay and request that they stop contacting you, although this does not guarantee that they won’t proceed with legal action. Seeking advice from a non-profit credit counselor or hiring a consumer law attorney can also provide you with valuable insights into your rights and legal protections, helping you work towards a resolution.

Before agreeing to any settlement offer, carefully evaluate the proposed payment plan to ensure it aligns with your budget and is realistically affordable for you. It is crucial to have all settlement terms and agreements documented in writing before making any payments. Remember that even if you do settle, the debt collector has the option to sue you if you fail to comply with the settlement terms. It is advisable to seek assistance in understanding your options and rights before making any decisions

If 8007541913 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 8007541913 is a collection company, the first step is to request written confirmation to validate the debt’s legitimacy. Review the validation carefully, ensuring that your personal details and debt information are accurate. Should you find any inaccuracies, write a dispute letter to the collection agency underlining that the debt is inaccurate according to the Fair Credit Reporting Act (FCRA). Be sure to demand the removal of the collection tradeline from your credit file.

If the collector confirms the validity of the debt, you can take proactive steps to potentially remove it. You may consider negotiating a pay-for-delete agreement, which should be done in writing. Another option is offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill. Alternatively, you can seek assistance from a credit repair service that can dispute the debt on your behalf. Waiting for the 7-year credit reporting time limit for automatic removal is also an option. Additionally, filing a complaint with the Consumer Financial Protection Bureau (CFPB) for any violations or consulting a consumer law attorney for potential legal action may be choices worth exploring.

Throughout this process, it’s crucial to maintain detailed written records of all your efforts in resolving the disputed collection account. By actively validating debts, negotiating with collectors, and asserting your rights through persistence and proper documentation, you can improve your chances of successfully removing collections from your credit report. Nevertheless, always prioritize determining the legitimacy of the debt before taking any further action.

You must check your credit report

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