813-693-1302

What Company Is Calling Me From 813-693-1302? Are They A Scam And Why Are They Calling Me?

When you receive a call from the phone number 813-693-1302, it is crucial to be cautious, as it could be a telemarketing, political, or scam call. To verify the caller’s identity and purpose, ask for their name, company, and the reason for their call. If you have doubts about the legitimacy of the call, block the number and report it to the appropriate authorities.

If the call is from a debt collector, send a cease and desist letter to request them to stop contacting you. Consult a non-profit credit counselor or consumer protection attorney for guidance on debt validation, negotiation, and legal action. Keep records of all calls and correspondence, as this information can be helpful in resolving the issue.

For managing your debt situation, consider seeking help from a reputable credit repair service. They can provide valuable assistance in handling your debt and improving your credit score. Always research and choose a reliable credit repair service for the best possible results.

How Can I Block Or Stop Calls From 813-693-1302?

To block or stop calls from 813-693-1302, first identify if it’s a debt collector by letting the calls go to voicemail. Once you’ve identified the caller, contact your phone carrier to request them to block the number. Alternatively, use call blocking apps available on your smartphone, which usually have built-in call blocking features. Save the number in your blocked contacts list. Next, send a cease and desist letter to formally request no further contact from the debt collector. Keep records of all calls and correspondence in case you need to take legal action. Consult a non-profit credit counselor or consumer protection attorney for guidance on debt validation, negotiation, and legal action. Lastly, consider seeking help from a credit repair service to improve your credit score, but be aware of the costs involved in credit repair services. By taking these steps, you can protect yourself from unwanted calls and work towards resolving any underlying debt issues.

Is 813-693-1302 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 813-693-1302 might be violating the Fair Debt Collection Practices Act (FDCPA), which is a federal law that protects consumers from unfair, abusive, or deceptive debt collection practices. If you’re receiving calls from this number, keep a record of all calls, including dates, times, and details. If the calls are from a debt collector, you can request that they only call during normal business hours and ask them to stop calling if you wish. Additionally, you can report the issue to the Consumer Financial Protection Bureau (CFPB) and consider consulting a consumer protection attorney or credit counselor for further assistance. Keep in mind that you can block the number and send a cease and desist letter, but remain vigilant about your rights under the FDCPA.

If 813-693-1302 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 813-693-1302 is a debt collector, you can validate the debt and explore your options by following these steps:

1. Send a written debt validation letter to the collector, as required by the Fair Debt Collection Practices Act (FDCPA). The collector must provide you with the necessary information to verify the debt within 5 days.

2. Review the validation for accuracy and dispute any incorrect information. If the debt is found to be inaccurate, you can request the collector to remove it from your credit report.

3. Negotiate a settlement or payment plan in writing. You can offer to pay a partial amount or request a reduced payment plan based on your financial situation.

4. Assert your FDCPA rights, such as the right to dispute the debt and the right to be treated fairly and respectfully by the collector.

5. Consult a non-profit credit counselor for guidance on managing your debt and creating a budget. They can also help you negotiate with the collector.

6. Contact a consumer protection attorney if you believe the collector is violating your rights or if you need legal assistance with debt validation or collection actions.

7. Keep records of all correspondence and calls with the debt collector. This will help you in case you need to take further legal action or dispute any inaccuracies on your credit report.

8. If you continue to receive calls from the number 813-693-1302, consider blocking the number and reporting it as a potential scam or unwanted call. You can also seek help from a credit repair service to help resolve any inaccuracies on your credit report and improve your overall credit standing.

Can 813-693-1302 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 813-693-1302 is a debt collector, they have the legal right to sue you for the amount owed if the debt is legitimate. 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 payments with the collector.
2. Assert your inability to pay if necessary.
3. Seek guidance from a non-profit credit counselor.
4. Hire a consumer law attorney for legal advice.
5. Consider bankruptcy as a last resort.

Before agreeing to settle the debt, ensure the payment plan is affordable, get the terms in writing, and be aware of potential legal action if you default. Keep thorough records of all calls and correspondence with the collector, and explore options like credit repair services if needed.

If 813-693-1302 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 813-693-1302 is a legitimate debt collection agency by requesting written confirmation of the debt. Carefully review the validation for accuracy and dispute any incorrect information. You can do this by sending a written notice to the collection agency.

Next, consider negotiating a pay-for-delete agreement, offering a partial settlement, or hiring a credit repair service to help remove the collection account from your credit report. If the collection agency violates any laws, file a complaint with the appropriate regulatory authorities.

Alternatively, wait for the 7-year time limit, during which the collection account will automatically be removed from your credit report. If you are unsure about your rights or the best course of action, consult an attorney who specializes in consumer protection.

Throughout the process, keep detailed records of your efforts to resolve the disputed collection account. This will help you demonstrate your attempts to rectify the situation and protect your credit report.

What Feedback And Comments Do People Leave About 813-693-1302?

People often leave feedback and comments about the phone number 813-693-1302, expressing concerns about potential spam, telemarketing, political, or scam calls. To address these concerns, it’s essential to verify the caller’s identity and purpose. Block the number and send a cease and desist letter if it’s a debt collector. For debt-related issues, consult a non-profit credit counselor or consumer protection attorney for assistance with debt validation, negotiation, and legal action. Maintain records of all calls and correspondence, and seek help from a credit repair service if needed.