801-438-8165

What Company Is Calling Me From 801-438-8165? Are They A Scam And Why Are They Calling Me?

The company calling you from 801-438-8165 is Comenity Bank. It’s crucial to verify the identity of the caller and the purpose of their call before sharing any personal information. Sometimes, these calls might be scams or telemarketing attempts. To protect yourself, you can block the number, report suspicious calls to the appropriate authorities, and consult a credit counselor or attorney for assistance. Keep in mind your rights under the Fair Debt Collection Practices Act (FDCPA), which safeguards consumers from abusive practices. If you think a debt collector is violating the FDCPA, document the calls and report the violations.

How Can I Block Or Stop Calls From 801-438-8165?

If you receive calls from an unrecognized number that could be a debt collector, take the following steps:

1. Identify if it is a debt collector: Let unknown calls go to voicemail. Debt collectors may leave messages stating they are attempting to collect a debt. Do not answer any unknown calls directly.

2. Once identified as a collector, block further calls: Contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account. Utilize 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.

3. Formally request no further contact: Send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

4. Get help addressing underlying debt: Consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

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

Is 801-438-8165 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 801-438-8165 may be calling you, and it’s essential to know your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is designed to protect consumers from unfair debt collection practices. To determine if the calls are violating the FDCPA, keep track of the date, time, frequency, phone number, and details of all calls.

If the calls are from a debt collector, use your rights to put an end to the calls. Revoke any prior consent for calls outside regular hours, request them to stop calling your workplace if it’s against the rules, send a cease and desist letter, and verbally ask them to stop during any conversation. If you think the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for assistance.

Moreover, consider seeking help from a knowledgeable credit counselor to address the debt and avoid further collection calls. Remember, it’s crucial to adhere to the FDCPA when dealing with debt collectors. Keep detailed records and assert your rights to prevent any further harassment.

If 801-438-8165 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 801-438-8165 is a debt collector and how to validate the debt, follow these steps:

1. First, confirm if 801-438-8165 is indeed a debt collector. Look for signs of debt collection, such as repeated calls or mentions of a specific debt.

2. If it is a debt collector, request written validation of the debt. This is required under the Fair Debt Collection Practices Act (FDCPA).

3. Carefully review the validation for accuracy. Check your personal details, creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

4. Consider negotiating a settlement or payment plan in writing before making any payments. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange.

5. If the collector violates the FDCPA, assert your rights and document all correspondence and calls. Consult a non-profit credit counseling agency or attorney for guidance.

6. Keep records of all communication and consider revoking any prior verbal or written permission given to the collector if they violate FDCPA guidelines.

7. Always verify the legitimacy of the debt and negotiate terms before making any payments. Consult a professional to ensure a fair outcome.

8. If you suspect the calls are a scam, report the robocalls to the appropriate authorities and exercise caution.

Can 801-438-8165 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is legitimate, they could potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, try negotiating an affordable payment plan in writing, assert your inability to pay, and request they cease contact. Alternatively, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy as a last resort. Keep a record of all calls, letters, and your efforts to address the debt.

Before settling on a payment plan, ensure it is realistically affordable based on your budget. Always get any settlement terms or agreements in writing before making payments, as collectors can still sue if you default on a settlement. Carefully consider your options and rights before agreeing to settle to avoid long-term financial harm.

If 801-438-8165 Is A Collection Company, How Can I Remove It From My Credit Report?

If 801-438-8165 is a debt collection company, you should first validate the debt to ensure it’s legitimate. Request written confirmation from the agency and review it thoroughly to ensure the details are accurate. If there are any inaccuracies, dispute the debt in writing as per the Fair Credit Reporting Act, demanding they remove the collection tradeline from your credit file.

If the collector confirms the debt is valid, you can take several steps to potentially remove it. You could negotiate a pay-for-delete agreement, offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill, hire a credit repair service to dispute the debt on your behalf, wait for the collection to fall off your report after seven years, file a complaint with the Consumer Financial Protection Bureau if the collector breaks laws and refuses to remove inaccurate information, or consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

Remember, always validate the debt first, and proactively negotiate with collectors and assert your rights to remove collections from your credit report. Persistence and proper documentation are key.

What Feedback And Comments Do People Leave About 801-438-8165?

801-438-8165 has been associated with Utah areas, including Ogden, Provo, and Salt Lake City. Users have reported suspicions of scam calls, with some claiming to have received calls from Comenity Bank but not having an account with them. The number has been identified as a robocaller by Nomorobo and Robokiller, which block spam calls. As a result, users are advised to exercise caution when receiving calls from this number.

To sum up, if you receive a call from 801-438-8165, identify if it’s a debt collector or a scam. To block these calls, consider using robocall-blocking apps or services like Nomorobo or Robokiller. Remember that the Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive practices. If you suspect a violation, document the call and report it.

If you think the call is related to a debt, ask for written validation of the debt, dispute any inaccuracies, and negotiate settlement terms. In case of legal consequences, potential wage or bank account garnishment may occur if the debt is legitimate. To avoid legal action, negotiate, assert your inability to pay, and consult an attorney.

Lastly, it’s essential to validate the debt’s legitimacy on your credit report, dispute inaccuracies, and negotiate with the collection agency to remove it. When dealing with calls from 801-438-8165, always exercise caution and take necessary actions to protect yourself from potential scams and violations of the FDCPA.