812-434-3516

What Company Is Calling Me From 812-434-3516? Are They A Scam And Why Are They Calling Me?

The phone number 812-434-3516 belongs to RADIOMOVIL DIPSAS.A. DE C.V., a mobile network operator in Mexico. It’s challenging to determine the purpose of the calls or if they are associated with a scam without more information. To find out, answer the call and ask the caller who they are and why they are contacting you. If they refuse to identify themselves or their purpose remains unclear, it’s possible the calls may be part of a scam. To address this issue, block and filter unknown calls with your phone carrier or use call blocking apps. If calls continue, send cease and desist letters, follow state-specific laws, and address any underlying debt issues by consulting non-profit credit counselors or attorneys. Enforce FDCPA protections and rights, document potential violations, and report them. Request debt validation, negotiate settlements, and consider credit repair services. If legal action is necessary, negotiate and seek guidance or consider bankruptcy. Monitor reviews and feedback on 812-434-3516 and associated companies like Kinkade Associates to stay informed about potential scams or issues.

How Can I Block Or Stop Calls From 812-434-3516?

If you’re receiving unwanted calls from an unknown number like 812-434-3516, it’s crucial to identify and block these calls. First, let unknown calls go to voicemail and don’t answer them directly. If a message states it’s about a debt, you’ve identified the call as a debt collector.

Next, contact your phone carrier to block the number permanently or use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Once you’ve identified the call as a debt collector, formally request no further contact. Send a cease and desist letter via certified mail demanding no further calls, and 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 and keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Finally, get help addressing any underlying debt issues. Consult a non-profit credit counselor to help negotiate resolution of the debt, or 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 812-434-3516 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, determine if the number 812-434-3516 is a legitimate debt collector. Under the Fair Debt Collection Practices Act (FDCPA), you have rights when it comes to debt collection calls. Document all call details, such as date, time, frequency, phone number, and content.

If the calls occur outside of the allowed hours (8 am to 9 pm), are too frequent, or involve abusive language, you may have a violation. Revoke any prior consent for calls outside regular hours, request them to stop calling your workplace, send a cease and desist letter, or verbally ask them to stop during a conversation.

In case of violations, report to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office. A credit counselor can help address the debt without further collection calls.

To protect yourself, adhere to the FDCPA and keep detailed records. This will help prevent further harassment from debt collectors.

If 812-434-3516 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt if 812-434-3516 is a debt collector, follow these steps:

1. Send a debt validation letter by mail to the collector, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation to ensure the creditor’s name, account number, and amount owed are accurate. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.
3. If the debt is valid, consider negotiating a reasonable 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 in exchange.
4. Assert your rights under the FDCPA if the collector violates regulations during the collection process. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution.
5. If necessary, contact an attorney to explore bankruptcy or legal action against the collector.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

By following these steps and exercising your consumer rights under federal and state law, you can determine the best path to debt resolution and protect your credit standing. Seek help from professionals to ensure a fair outcome.

Can 812-434-3516 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 812-434-3516 is a debt collector, they have the legal right to sue you for the outstanding debt and garnish your wages or bank accounts if they obtain a court judgment. To avoid legal action, consider the following steps:

1. Negotiate affordable payment terms in writing to demonstrate your good faith effort.
2. Assert your inability to pay and request they cease contact.
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 rights under the FDCPA and state law.
5. Consider bankruptcy if debts are overwhelming; consult an attorney to discuss options.

Before settling, make sure the proposed payment plan is realistic and get any settlement terms in writing. Settling can make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 812-434-3516 Is A Collection Company, How Can I Remove It From My Credit Report?

If 812-434-3516 is a debt collection company, the first step 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 these active steps to potentially remove it: negotiate 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, hire a credit repair service to formally dispute the debt on your behalf, wait out 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, or 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 812-434-3516?

When looking for feedback and comments about the phone number 812-434-3516, it is important to know that it is associated with Kinkade Associates, a bankruptcy law firm. Kinkade Associates has received positive reviews from clients who appreciate their professionalism, knowledge, and compassion in helping them with financial issues. Clients express gratitude for the firm’s personalized assistance and finding the best solutions for their financial problems.

To determine if calls from 812-434-3516 are legitimate, consider the context and purpose of the call. If the call is from Kinkade Associates, it may be related to their debt relief services. However, if the calls are unwanted or persistent, consider blocking and filtering unknown calls with your phone carrier or using call blocking apps. If calls continue, you may need to send a cease and desist letter and follow state-specific laws.

Addressing underlying debt issues is essential in resolving any issues with calls from 812-434-3516. Consult non-profit credit counselors or attorneys for guidance. Enforce your rights under the Fair Debt Collection Practices Act (FDCPA) by documenting potential violations and reporting them. Request debt validation, negotiate settlements, and consider credit repair services to improve your financial situation.

In some cases, legal action may be necessary, such as negotiating with the firm or considering bankruptcy. Keep an eye on reviews and feedback on 812-434-3516 and associated companies like Kinkade Associates to ensure the legitimacy of their services and to make informed decisions about your financial future.