817-396-3265

What Company Is Calling Me From 817-396-3265? Are They A Scam And Why Are They Calling Me?

The company calling from 817-396-3265 is a scammer, specifically a credit card scam. They are targeting users in Cresson, Texas, and have been reported for blank messages or hang-ups. The owner of the phone number was first issued by Texas Windstream, Inc. in 1994, and it may have been transferred through porting. Users are advised to be cautious and file a complaint if they receive calls from this number.

Protect yourself from scams like this by avoiding answering unknown calls, blocking the number, and sending a cease and desist letter. Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and document potential violations. Request written validation of the debt, dispute any inaccuracies, and negotiate a settlement or payment plan. If the debt is legitimate, consider potential legal action and maintain detailed records of all communications. Validate the debt, dispute inaccuracies, and negotiate a pay-for-delete agreement or partial settlement for deletion. Be cautious when receiving calls from this number, and report any suspicious activity to relevant authorities. Seek assistance from non-profit credit counseling agencies, attorneys, or consumer law resources if needed.

How Can I Block Or Stop Calls From 817-396-3265?

First, determine if the unknown call is from a debt collector. Let these calls go to voicemail and do not answer directly. If it is a debt collector, contact your phone carrier to block the number. Most carriers offer call blocking through customer support or your online account. Additionally, use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

To further prevent calls, send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Consult a non-profit credit counselor to help negotiate resolution of the debt, or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Remember, blocking calls does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 817-396-3265 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 817-396-3265 is often used for scams, particularly targeting credit card information. Located in Cresson, Texas, the number may have been ported and used by scammers. Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections and rights as a consumer regarding debt collection calls. To protect yourself, avoid answering unknown calls, block the number, and send a cease and desist letter.

Under the FDCPA, document potential FDCPA violations, such as calls outside of allowed hours (8am-9pm), frequent calls, abusive language, or threats. Assert your rights by revoking consent for calls outside normal hours, requesting they cease contact at your workplace, and verbally or in writing demanding no further contact.

Seek assistance from the Consumer Financial Protection Bureau, a consumer protection attorney, your state Attorney General’s office, or an experienced credit counselor for guidance on next steps. If you believe FDCPA violations have occurred, report them with documentation and consider legal action. Adhering to the FDCPA is required for any collector contacting you, and keeping detailed records and asserting your rights can prevent further harassment from debt collectors.

If 817-396-3265 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, you need to confirm if the phone number, 817-396-3265, is a debt collector. If it is, you should follow these steps:

1. Request written validation of the debt by sending a debt validation letter to the collector via mail. They must provide this information under the Fair Debt Collection Practices Act (FDCPA).
2. Thoroughly review the validation to ensure the details are accurate, including your personal information, the creditor’s name, account number, and the amount owed.
3. Dispute any incorrect or unknown information in writing and request its removal from your credit report.

After confirming the debt, you have several options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan before making any payment.
2. Offer a partial payment of 30-50% of the balance if it’s affordable, and request the removal of the debt from your credit report in exchange.
3. Assert your rights under the FDCPA if the collector violates regulations during the collection process.
4. Seek guidance from a non-profit credit counseling agency to negotiate debt resolution.
5. Consult an attorney to discuss if bankruptcy or legal action against the collector is a viable option.
6. Keep records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines.

Always remember, never ignore a potential debt collector. Verify the debt’s validity and exercise your consumer rights under the FDCPA before deciding on the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 817-396-3265 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 817-396-3265 is a debt collector, they could potentially sue you and garnish your wages if you owe a legitimate debt. To avoid legal action, consider negotiating a payment plan, asserting your inability to pay, seeking guidance from a credit counselor, hiring a consumer law attorney, or even considering bankruptcy. Before settling, ensure the payment plan is affordable, get any agreements in writing, and be aware that a collector can still sue if you default on a settlement. It’s essential to understand your rights and options before making any decisions.

If 817-396-3265 Is A Collection Company, How Can I Remove It From My Credit Report?

If 817-396-3265 is a debt collection company, you can remove it from your credit report by following these steps:

1. First, validate the debt by requesting written confirmation from the collector. Review the validation carefully to ensure 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.

2. 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. This requires paying a lump-sum settlement.

3. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Keep in mind that collectors are not obligated to remove the debt without a formal agreement.

4. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.

5. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

6. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.

7. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

8. Keep detailed written records showing your efforts to resolve the disputed collection account.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially 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 817-396-3265?

People often leave negative feedback about 817-396-3265, reporting suspicious callers attempting to gather personal information for fraudulent purposes. The Federal Trade Commission (FTC) has recorded 103 complaints, identifying the caller type as a “Scammer/Fraudster” and the owner as “Norman Jg” or “J.G. Norman” from Cresson, Texas. To protect yourself, exercise caution when receiving calls from this number, consider blocking it, and understand your rights under the Fair Debt Collection Practices Act (FDCPA). If the debt is legitimate, seek assistance from non-profit credit counseling agencies, attorneys, or consumer law resources to negotiate a settlement or payment plan.