804-752-8982

What Company Is Calling Me From 804-752-8982? Are They A Scam And Why Are They Calling Me?

The phone number 804-752-8982 is linked to Randolph-Macon College and specifically Kimberly Cox, an assistant professor in the Biology Department. There are no known reports of this number being used for scam or telemarketing purposes. It is unclear why they are calling you, but it could be related to your academic or professional activities if you are affiliated with the college. If you are not connected to the college, it could be a misdial or wrong number. To confirm the legitimacy of the call, you can contact the college directly. The number has negative ratings, but that doesn’t necessarily mean the call is a scam or telemarketing attempt; always verify the caller’s identity and purpose before providing personal information.

How Can I Block Or Stop Calls From 804-752-8982?

To stop unwanted calls from a number like 804-752-8982, first determine if it is a debt collector. Refrain from answering unknown calls and let them go to voicemail. If the caller is a debt collector, block their number by contacting your phone carrier or using call blocking apps. Send a cease and desist letter to request no more calls, and keep records of these calls to show a pattern of harassment. Seek help from a non-profit credit counselor to negotiate a debt resolution or consult a consumer protection attorney for legal assistance.

Is 804-752-8982 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 804-752-8982 is connected to Randolph-Macon College and Kimberly Cox. There are no current reports of scams or telemarketing, so it may be related to academic or professional matters. To confirm the legitimacy of the call, contact the college directly. If the call is from a debt collector, be aware that you have rights under the Fair Debt Collection Practices Act (FDCPA). Document any potential violations, exercise your rights through communication and legal channels, and obtain help in dealing with the underlying debt.

If 804-752-8982 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 804-752-8982 is a debt collector, the first step to validate the debt is to request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, verifying your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report. Formally assert your rights under the FDCPA if the collector violates regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring 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 804-752-8982 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 804-752-8982 is a debt collector, they can potentially sue you to recover the amount owed and garnish your wages if they obtain a court judgment. To avoid legal action, negotiate a payment plan, assert your inability to pay and request them to stop contacting you, seek guidance from a non-profit credit counselor, or hire a consumer law attorney. Document all interactions with the collector.

Before settling, ensure the proposed payment plan is affordable based on your budget and get any settlement terms or agreements in writing. Be cautious as a collector can still sue if you default on a settlement. Settling can be beneficial to avoid legal action, but only agree to payments you can realistically maintain. Consult professionals to understand your options and rights before making any decisions.

If 804-752-8982 Is A Collection Company, How Can I Remove It From My Credit Report?

If 804-752-8982 is a debt collection company, it’s crucial to first validate the debt’s authenticity by requesting written confirmation. Review the validation thoroughly to ensure your personal information and the debt details are accurate. If any discrepancies are found, send a written dispute to the collection agency, citing the debt is inaccurate as per the Fair Credit Reporting Act.

If the collector verifies the debt is legitimate, consider taking active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
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 for 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. Maintain detailed written records showing your efforts to resolve the disputed collection account.

Actively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation. However, prioritize confirming the debt’s legitimacy before taking any action.

What Feedback And Comments Do People Leave About 804-752-8982?

Users have left negative feedback about 804-752-8982, mainly due to robocalls, recorded messages, and unwanted advertising calls. These calls have been occurring since April 2021 and are associated with Verizon Communications in Virginia. However, no scam or telemarketing reports have been tied to this number. It could be related to academic or professional activities at Randolph-Macon College involving Kimberly Cox.

To determine the legitimacy of the call, reach out to the college directly and consider the possibility of a misdial or wrong number. If the calls continue, block the number by contacting your phone carrier or using call blocking apps. Additionally, send a cease and desist letter and keep records of the calls. If the calls are from a debt collector, request written validation of the debt and negotiate a settlement or payment plan. Lastly, request the deletion of the debt from your credit report if the collector cannot provide validated proof of the debt.