801-619-2534

What Company Is Calling Me From 801-619-2534? Are They A Scam And Why Are They Calling Me?

The phone number 801-619-2534 is linked to Synchrony Bank/Carecredit and Discover Card. These companies are not scams, but rather debt collectors and telemarketers. They might be calling to collect a past due balance on a credit card or to promote a product/service. If you don’t want to receive calls, block the number. Remember, if you have a debt with either company, they have the right to contact you. Legitimate debt collectors won’t ask for personal information over the phone unless you’ve given permission. To confirm a call’s legitimacy, hang up and call the company directly.

How Can I Block Or Stop Calls From 801-619-2534?

If you’re receiving calls from 801-619-2534, identify if they’re from a debt collector. Let unknown calls go to voicemail and check messages to see if they’re attempting to collect a debt. If it’s a debt collector, block the number through your phone carrier or use call blocking apps. Send a cease and desist letter via certified mail, and keep detailed records of calls. Consult a non-profit credit counselor or consumer protection attorney if needed. Blocking calls doesn’t eliminate debts, but it stops harassment while addressing any outstanding debts.

Is 801-619-2534 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 801-619-2534 is associated with legitimate debt collectors like Synchrony Bank, CareCredit, and Discover Card. If you’re receiving unwanted calls, block the number through your phone carrier or call blocking apps. It’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive debt collection practices.

To document potential FDCPA violations, keep records of the call details, including date, time, frequency, phone number, and any abusive behavior. You can revoke consent for calls outside normal hours, request them to stop calling at work, send a cease and desist letter, or verbally ask them to stop during any conversation.

If you suspect FDCPA violations, report them to the Consumer Financial Protection Bureau and consider consulting a consumer protection attorney. Contact your state Attorney General’s office for guidance, and ask a credit counselor for advice on addressing the debt without further collection calls. Remember, debt collectors must adhere to the FDCPA, and asserting your rights can prevent harassment.

If 801-619-2534 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 801-619-2534 and suspect it’s a debt collector, it’s possible they are associated with Synchrony Bank, CareCredit, or Discover Card. To validate the debt, send a debt validation letter by mail and request written proof of the debt. Review the validation for accuracy and dispute any incorrect information in writing. Consider negotiating a settlement or payment plan in writing before making any payment. If the collector violates the Fair Debt Collection Practices Act (FDCPA), assert your rights. Consult a non-profit credit counselor or attorney for guidance on debt resolution and potential legal action. Keep detailed records of all correspondence and calls, and revoke any prior permission given for outside FDCPA guidelines.

Can 801-619-2534 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 801-619-2534 is a debt collector trying to recover a legitimate debt, they could potentially sue you to recover the amount owed. If they get a court judgment, your wages or bank accounts may be garnished. To prevent legal action, negotiate affordable lump-sum or installment payments in writing, assert your inability to pay and request they stop contacting you, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling, evaluate if the proposed payment plan is reasonably affordable based on your budget, get any settlement terms or agreements in writing before making payments, be aware that a collector can still sue if you default on a settlement, and avoid agreeing to payments you can’t maintain. Seek help to understand your options and rights to make the best decision for your financial situation.

If 801-619-2534 Is A Collection Company, How Can I Remove It From My Credit Report?

If 801-619-2534 is a collection company, you can remove it from your credit report by first verifying the debt’s legitimacy. Request written confirmation and review the validation to ensure your personal details and the debt information are 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 negotiating 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. You can also hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Alternatively, wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. 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. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 801-619-2534?

People often leave comments about 801-619-2534, stating that it is related to debt collection efforts, primarily for Carecredit and credit card debt. They report receiving calls at various times and days, sometimes feeling frustrated with the timing of the calls. The number is linked to collectors in Draper, UT, and is associated with companies like Carecredit and Discover.

In a nutshell, 801-619-2534 is a phone number connected to debt collection activities by legitimate companies such as Synchrony Bank, CareCredit, and Discover Card. To avoid unwanted calls, it is recommended to block the number by contacting your phone carrier or using call blocking apps and settings. Furthermore, it is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and to communicate with debt collectors effectively by sending a cease and desist letter, requesting written validation of the debt, and negotiating a settlement or payment plan.