806-715-1038

What Company Is Calling Me From 806-715-1038? Are They A Scam And Why Are They Calling Me?

First, identify the company calling from 806-715-1038. It is likely a debt collector attempting to collect a debt. This number has a negative user reputation and is associated with spam calls and debt collection. To protect yourself, do not provide any personal information and verify the debt by contacting the original creditor.

If the calls are unwanted or harassing, report them to the Federal Trade Commission (FTC) or use a robocall blocking service. In a nutshell, always be cautious when receiving calls from unknown numbers and take necessary steps to protect your personal information.

How Can I Block Or Stop Calls From 806-715-1038?

If you receive unwanted calls from 806-715-1038, follow these steps to block or stop them:

1. Let unknown calls go to voicemail. Debt collectors may leave messages stating they are attempting to collect a debt.
2. Do not answer any unknown calls directly. This avoids engaging with potential collectors.

Once you’ve identified the call as a collector, take action:

3. Contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account.
4. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
5. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Legally request no further contact:

6. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.
7. 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.
8. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Tackle any outstanding debts:

9. Consult a non-profit credit counselor to help negotiate resolution of the debt.
10. 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 806-715-1038 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 806-715-1038, it is crucial to document the details of these calls, including date, time, frequency, phone number, and any abusive or harassing behavior. The Fair Debt Collection Practices Act (FDCPA) is in place to protect consumers from such practices. Make sure the collectors are only calling between 8am-9pm in your time zone and have your consent to call your workplace. If they repeatedly call or use abusive language, you have the right to revoke consent for calls and demand they cease contact. You can also consult with a consumer protection attorney or credit counselor for guidance on your specific rights and options, and report any violations to the Consumer Financial Protection Bureau.

If 806-715-1038 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 806-715-1038 is a debt collector, the first step is to validate the debt. Send a debt validation letter by mail, as they are legally required to provide written validation under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, checking your personal details, creditor name, account number, and amount owed. Dispute any discrepancies in writing and request removal from your credit report.

Once the debt is validated, consider the following options: negotiate a 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; assert your rights under the FDCPA if the collector violates regulations; consult a non-profit credit counseling agency for guidance negotiating debt resolution; or contact an attorney to explore bankruptcy or legal action against the collector.

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. 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 806-715-1038 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 806-715-1038 claiming to be a debt collector, it’s essential to verify the legitimacy of the call and avoid providing personal information. If the debt is legitimate, the collector could potentially sue you to recover the amount owed, and if they obtain a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact. This may prevent suit, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

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 806-715-1038 Is A Collection Company, How Can I Remove It From My Credit Report?

If 806-715-1038 is a debt collection company, the first step is to confirm the debt’s legitimacy by requesting written proof. Examine the validation thoroughly to ensure that your personal information and the debt details are accurate. If there are any inaccuracies, send a written dispute to the collection agency stating that the debt is inaccurate under the Fair Credit Reporting Act.

If the collector confirms the debt as legitimate, you can take the following active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal. This requires paying a lump-sum settlement.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Although they aren’t obligated to remove it without a formal agreement.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to help get 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.

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

What Feedback And Comments Do People Leave About 806-715-1038?

People who have interacted with the phone number 806-715-1038 mostly report spam calls, linking it to Texas. Users on Robokiller have shared their experiences with these unwanted calls. For instance, Kathleen mentions receiving a call but not a voicemail or text. There is also a scam alert about a caller claiming to be from the Randall County Sheriff’s Office, although it’s not directly tied to the number. To protect yourself, be wary when receiving calls from this number and consider utilizing a spam call blocking service.