801-594-6000

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What Company Is Calling Me From 801-594-6000? Are They A Scam And Why Are They Calling Me?

The company calling from 801-594-6000 is likely Select Portfolio Servicing Inc., which provides mortgage services. Users have reported multiple calls daily for debt collection purposes. While there are no definitive signs of a scam, users should be cautious about providing personal information and consider contacting the company directly or reporting the number to the Federal Trade Commission. To ensure your safety, validate the debt, negotiate a settlement, and dispute any inaccuracies in the debt information. If necessary, seek assistance from a consumer protection attorney or credit counselor.

How Can I Block Or Stop Calls From 801-594-6000?

First, let the unknown calls go to voicemail and do not answer them directly. If the call is from a debt collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. Once you have identified the calls as debt collection, send a cease and desist letter via certified mail demanding no further calls. Additionally, check if your state has laws that prohibit collection calls without written notice and 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. To address any underlying debt, consult a non-profit credit counselor to help negotiate a resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. However, blocking calls does not eliminate any legitimate debts owed. Taking proactive steps can stop harassment while addressing any outstanding debts.

Is 801-594-6000 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’ve received a call from the number 801-594-6000 and suspect it may be violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to know your rights as a consumer. Document any potential violations, such as calls outside of allowed hours, excessive frequency, or abusive language. Revoke any prior consent given to call outside normal hours and formally request they cease contact at your workplace if prohibited.

You can also send a cease and desist letter via certified mail, demanding no further contact. During any conversation, verbally request they stop calling. If violations continue, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. Maintain detailed records and assert your rights to prevent further harassment from debt collectors.

If 801-594-6000 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 801-594-6000 is a debt collector, the first step is to validate the debt they claim you owe. To do this, send a debt validation letter by mail, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, disputing any incorrect or unrecognized information and requesting removal from your credit report.

Once the debt is validated, consider the following options: negotiate a lump-sum settlement or a payment installment plan, offer partial payment if affordable, assert your rights under the FDCPA if they violate regulations, consult a non-profit credit counseling agency, or contact an attorney for guidance on bankruptcy or legal action.

Keep detailed records of all correspondence and calls, and revoke any prior verbal or written permission given to the collector if they violate FDCPA guidelines. Remember, never ignore 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 801-594-6000 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 801-594-6000 is a debt collector, they can 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, consider negotiating affordable payments in writing, asserting your inability to pay, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or even considering bankruptcy if debts are overwhelming.

Before agreeing to settle, make sure the payment plan is affordable based on your budget, get any settlement terms 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 801-594-6000 Is A Collection Company, How Can I Remove It From My Credit Report?

First, you need to find out if 801-594-6000 is indeed a collection company. To do this, request written confirmation from the agency and review the validation to ensure the debt and personal information are accurate. If there are any discrepancies, send a written dispute to the collection agency stating the debt is inaccurate according to the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is legitimate, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. You can also hire a credit repair service to dispute the debt on your behalf.

Another option is to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney can help review if the collector broke laws enabling you to sue for removal and damages.

Taking these steps proactively can help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 801-594-6000?

People leave feedback about 801-594-6000, which is associated with Select Portfolio Servicing Inc., mainly regarding debt collection calls. Users report frequent calls without any clear indication of a scam. To address this issue, be cautious when providing personal information and consider contacting the company or reporting the number to the FTC. Block the number, send a cease and desist letter, and report violations to relevant authorities. Validate the debt, negotiate a settlement, and dispute any inaccuracies in the debt information. Consult a consumer protection attorney or credit counselor for assistance, and maintain detailed records of your efforts. The majority of feedback about 801-594-6000 is negative, with concerns about unethical and illegal activities related to subprime mortgage loans.

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