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What Company Is Calling Me From 806-762-2090? Are They A Scam And Why Are They Calling Me?

The company calling from 806-762-2090 is Collectech Diversified, Inc., a collection agency located in Lubbock, Texas. They may be involved in debt collection activities, and some individuals have reported scam-like behavior. To ensure your protection, verify the legitimacy of any debt-related communication and do not provide personal information without confirmation.

To combat unwanted calls, block the number, send a cease and desist letter, and consult a non-profit credit counselor or attorney if necessary. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and document any potential violations. If the debt is not legitimate, request debt validation and maintain detailed records.

To address overwhelming debts, consider bankruptcy or consult a consumer law attorney. Additionally, work on removing any incorrect information from your credit report by validating debt legitimacy and disputing inaccurate information, or seek assistance from credit repair services.

How Can I Block Or Stop Calls From 806-762-2090?

To stop calls from 806-762-2090, first determine if the calls are from a debt collector. Let unknown calls go to voicemail and check for messages. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. If calls persist, send a cease and desist letter via certified mail. Keep records of all calls to show a pattern of harassment. Consult a non-profit credit counselor for debt resolution or speak to a consumer protection attorney regarding your rights and potential lawsuits.

Is 806-762-2090 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 806-762-2090 is associated with Collectech Diversified, Inc., a collection agency in Lubbock, Texas. Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections and rights regarding debt collection calls. If you believe Collectech Diversified, Inc. or any other debt collector is violating the FDCPA, you can take the following steps:

1. Document the date, time, frequency, phone number, and details of all calls. This creates a record of potential harassment or other violations.
2. Note if they call outside allowed hours of 8am – 9pm in your time zone. Exceptions apply if you consent to other hours.
3. Track if they repeatedly call over a short period, such as more than 2-3 times per week.
4. Log any abusive, threatening, or obscene language used on calls.

To assert your rights, you can:

1. In writing, revoke any prior consent given to call outside normal hours.
2. Formally request they cease contact at your workplace if prohibited by your employer.
3. Send a cease and desist letter via certified mail demanding no further contact by phone.
4. Verbally request they stop calling during any conversation.

If you believe violations have occurred, report them to the Consumer Financial Protection Bureau to open an investigation. 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. Lastly, ask an experienced credit counselor how to address the debt without incurring further collection calls.

If 806-762-2090 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 806-762-2090 is a debt collector, your first step is to validate the debt by requesting written validation from the collector. This is legally required 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 validated, consider negotiating a reasonable settlement or payment installment plan in writing before making any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. If the collector violates FDCPA regulations, assert your rights. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or 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. 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 806-762-2090 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 806-762-2090 is a debt collector, they may have the authority to sue you or garnish your wages if you don’t pay. To avoid legal action, consider negotiating affordable payments, asserting your inability to pay, requesting them to cease contact, seeking credit counseling, or hiring a consumer law attorney. If debts are overwhelming, bankruptcy may be an option, but consult with an attorney first. Document all communication to have a clear record. Before settling, ensure the payment plan is affordable, get terms in writing, and be aware that the collector can still sue if you default. Seek assistance to understand your options and rights.

If 806-762-2090 Is A Collection Company, How Can I Remove It From My Credit Report?

If 806-762-2090 is a collection company, the first step to remove it from your credit report is to validate if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is 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. 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, hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Another option is to wait out 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. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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 806-762-2090?

People have left various comments and feedback about the phone number 806-762-2090, often indicating unwanted, crank, or telemarketing calls. The company associated with this number is Collectech Diversified, Inc., a collection agency based in Lubbock, Texas. Some individuals have experienced silent calls or calls where the caller hangs up immediately after they answer. The call type is suspected to be a scam, and the caller is unknown. To address these concerns, you may want to block the number, send a cease and desist letter, and consult a non-profit credit counselor or attorney to understand your legal rights under the FDCPA. If you believe the calls are violating your rights, document the violations and assert your rights accordingly. To resolve your debt, consider requesting debt validation, negotiating a settlement or payment plan, and maintaining detailed records. If the debt becomes overwhelming, consider bankruptcy or consult a consumer law attorney. Lastly, if the debt is incorrectly reported on your credit report, validate the debt legitimacy, dispute the incorrect information, and consider credit repair services to remove it.

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