805-517-4207

What Company Is Calling Me From 805-517-4207? Are They A Scam And Why Are They Calling Me?

The phone number 805-517-4207 belongs to PennyMac, a company that specializes in home mortgage services. While it’s a genuine business, many users report receiving numerous calls from this number, which may be disconcerting. Although PennyMac may be attempting to contact you if you have a connection with them, the high volume of calls is probably due to automated systems or telemarketing efforts. If you’re receiving unwanted calls, you can try using a free security app to block them or file a complaint with the Federal Trade Commission (FTC) to report any suspicious activity.

How Can I Block Or Stop Calls From 805-517-4207?

To block or stop calls from 805-517-4207, follow these steps:

1. Identify if the calls are from a debt collector. Let unknown calls go to voicemail and do not answer directly. If a message states they are attempting to collect a debt, identify the number as a debt collector.

2. Block the number. Contact your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

3. Send a cease and desist letter. If the calls persist, send a certified letter demanding no further contact. If your state has laws beyond the Fair Debt Collection Practices Act (FDCPA), include those rights in your letter.

4. Consult a non-profit credit counselor. They can help negotiate a resolution of the debt, ensuring your rights are protected.

5. Consider legal action. If the collector violates regulations, speak to a consumer protection attorney about potential lawsuits.

6. Monitor voicemail messages. Keep detailed records of calls to demonstrate a pattern of harassment if considering legal action.

7. Understand your rights. Familiarize yourself with the FDCPA and your state’s debt collection laws to better protect yourself from harassment.

Blocking calls from 805-517-4207 does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 805-517-4207 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, it’s important to understand that the number 805-517-4207 may or may not be violating the Fair Debt Collection Practices Act (FDCPA). To protect yourself, document the date, time, frequency, phone number, and details of all calls. Ensure they are not calling outside the allowed hours of 8am-9pm in your time zone or repeatedly calling over a short period. If they use abusive, threatening, or obscene language, take note.

Next, assert your rights by revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace if prohibited, sending a cease and desist letter via certified mail, and verbally requesting they stop calling during any conversation. Report any violations, with documentation, to the Consumer Financial Protection Bureau to open an investigation.

Additionally, consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred.

Finally, adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 805-517-4207 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt if 805-517-4207 is a debt collector, follow these steps:

1. 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).

2. Carefully review the validation for accuracy. Verify 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.

3. Once the debt is validated, consider these options:

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

The key is to 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 805-517-4207 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 805-517-4207 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, negotiate affordable payments, assert inability to pay, seek guidance from a non-profit credit counselor, or hire a consumer law attorney. Consider bankruptcy if debts are overwhelming. Document all calls and efforts to address the debt. Before agreeing to settle, make sure the payment plan is affordable, get any agreement in writing, and be aware a collector can still sue if you default. Seek assistance to understand your options and rights first.

If 805-517-4207 Is A Collection Company, How Can I Remove It From My Credit Report?

If 805-517-4207 is a collection company, you can remove it from your credit report by first confirming if the debt is genuine. Request a written confirmation of the debt from the collection agency and examine it thoroughly 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 under the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

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. Alternatively, you can hire a credit repair service to dispute the debt on your behalf and provide legal resources to help in getting it removed.

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.

By validating debts, negotiating with collectors, and asserting your rights, you can remove collections from your credit report through persistence and proper documentation. However, always focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 805-517-4207?

Based on feedback and comments about 805-517-4207, users have reported receiving unwanted calls, silent calls, and calls from a debt collector. It is linked to PennyMac, a mortgage loan service provider, and users have associated it with mortgage loan spam. Be cautious when receiving calls from this number and report any unwanted calls. Block the calls, identify if it’s a debt collector, and monitor your voicemails for compliance with the Fair Debt Collection Practices Act (FDCPA).

If you are dealing with debt collection, request debt validation, negotiate a settlement or payment plan, and consider credit counseling or legal assistance. Remember that legitimate debt collection may lead to legal action, so carefully consider your options and rights before settling. To address spam or robocalls, validate the legitimacy of the debt, dispute any incorrect information, and consider credit repair or filing a complaint. By following these steps, you can better protect yourself from unwanted calls and manage your financial situation effectively.