817-984-9828

What Company Is Calling Me From 817-984-9828? Are They A Scam And Why Are They Calling Me?

The phone number 817-984-9828 is likely connected to a travel advisor company or telemarketing calls. While there have been reports of aggressive callers attempting to authorize charges, there is no confirmation of a scam. It is crucial to be cautious when receiving calls from unknown numbers and not to provide personal information or agree to charges without verifying the caller’s identity and intentions. To address this issue, follow these steps:

1. Identify the caller as a telemarketer or debt collector by letting unknown calls go to voicemail and checking for messages.
2. Block the number through your phone carrier or call blocking apps.
3. Send a cease and desist letter via certified mail and follow up with state-specific laws if needed.
4. Consult a non-profit credit counselor or attorney for assistance in addressing the debt and understanding rights.
5. Monitor voicemail messages from identified collectors while taking proactive measures to stop harassment.
6. Understand your rights under the Fair Debt Collection Practices Act (FDCPA).
7. Document all debt collection calls, including date, time, frequency, and details.
8. Request debt validation through a debt validation letter and negotiate a settlement or payment plan.
9. Understand that legitimate debt may lead to legal action, including wage or bank account garnishment.
10. Validate the debt’s legitimacy by requesting written confirmation and dispute any inaccuracies in the validation with a written request to the collection agency.

How Can I Block Or Stop Calls From 817-984-9828?

To stop or block calls from 817-984-9828, first let unknown calls go to voicemail and check for messages to see if it’s a debt collector. If it is, contact your phone carrier to block the number permanently or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, send a cease and desist letter via certified mail, demanding no further calls. Check your state’s laws beyond the FDCPA, and send a cease and desist letter invoking those rights if necessary. Keep detailed records of all calls to show a pattern of harassment if considering legal action.

Get assistance in addressing the underlying debt by consulting a non-profit credit counselor to negotiate debt resolution. If the collector violates regulations, consider speaking to a consumer protection attorney about your rights and potential lawsuits. While taking proactive measures, monitor voicemail messages from identified collectors.

Is 817-984-9828 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. If you are receiving calls from the number 817-984-9828, you may have rights under this act. To determine if your rights are being violated, document the details of each call, such as date, time, frequency, and any inappropriate language used. If the calls are outside the allowed hours of 8am-9pm in your time zone, or if they repeatedly call within a short period, you may have grounds for action.

To assert your rights, revoke any prior consent for calls outside normal hours, request them to stop calling at your workplace, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during a conversation. If you believe there are FDCPA violations, report the issue to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also seek assistance from an experienced credit counselor to address the debt without further collection calls.

Adhering to the FDCPA is mandatory for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 817-984-9828 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, you need to determine if 817-984-9828 is indeed a debt collector. If it is, the next step is to request written validation of the debt. This can be done by sending a debt validation letter via mail. This is a requirement under the Fair Debt Collection Practices Act (FDCPA).

Once you receive the validation, make sure to review it thoroughly. Check for your personal information, the creditor’s name, account number, and the amount owed. If there is any incorrect or unrecognized information, dispute it in writing and request its removal from your credit report.

After validating the debt, consider your options. You can negotiate a reasonable settlement or payment installment plan with the collector before making any payment. You can also offer to pay a percentage of the balance, such as 30-50%, if it’s affordable, and request the debt be removed from your credit report in exchange.

If the debt collector violates FDCPA regulations, assert your rights under the act. You can also seek guidance from a non-profit credit counseling agency for help in negotiating debt resolution. Consulting an attorney is another option to explore, especially if bankruptcy or legal action against the collector seems viable.

Remember to keep detailed records of all correspondence and calls, and revoke any prior permission given to the collector if they contact you outside FDCPA guidelines. By taking these steps, you can ensure a fair outcome and protect your consumer rights.

Can 817-984-9828 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is calling about a legitimate debt, they have the legal right to sue you in order to recover the amount owed. If they obtain a court judgment, they could potentially garnish your wages or your bank account. To avoid legal action, consider the following steps:

1. Negotiate an affordable lump-sum or installment payment in writing to show good faith effort to pay.
2. Assert your inability to pay and request they cease contact. This may prevent them from suing, 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 if debts are truly overwhelming, but consult with an attorney first.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider the following:

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 817-984-9828 Is A Collection Company, How Can I Remove It From My Credit Report?

If 817-984-9828 is a debt collection company, you can remove it from your credit report by following these steps:

1. Validate the debt: Request written confirmation from the collection agency to verify if the debt is legitimate and check for any inaccuracies in your personal details and the debt information.

2. Dispute the debt: 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.

3. Negotiate a pay-for-delete agreement: If the collector verifies the debt is valid, offer a good faith partial settlement payment and request deletion as a gesture of goodwill.

4. Hire a credit repair service: If the above steps don’t work, consider hiring 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 time limit: The collection will automatically fall off your report after 7 years.

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

7. Consult a consumer law attorney: If the collector broke laws, consult a consumer law attorney to review your case and help you sue for removal and damages.

8. Keep detailed records: Maintain written records showing your efforts to resolve the disputed collection account, as this can be helpful in case of legal action.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can ultimately remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 817-984-9828?

The phone number 817-984-9828 has predominantly received negative feedback, with users complaining about unsolicited calls, non-responsiveness to inquiries, recording conversations, persistent calling, lack of voicemail messages, and aggressive behavior. This suggests that the number may be associated with telemarketing or scam activities. To address this issue, follow these steps:

1. Identify the caller as a telemarketer or debt collector by allowing unknown calls to go to voicemail and checking for messages.
2. Block the number through your phone carrier or call blocking apps.
3. Send a cease and desist letter via certified mail and follow up with state-specific laws if necessary.
4. Consult a non-profit credit counselor or attorney for assistance in addressing the debt and understanding your rights.
5. Monitor voicemail messages from identified collectors while taking proactive measures to stop harassment.
6. Understand your rights under the Fair Debt Collection Practices Act (FDCPA).
7. Document all debt collection calls, including date, time, frequency, and details.
8. Request debt validation through a debt validation letter and negotiate a settlement or payment plan.
9. Understand that legitimate debt may lead to legal action, including wage or bank account garnishment.
10. Validate the debt’s legitimacy by requesting written confirmation and dispute any inaccuracies in the validation with a written request to the collection agency.

Ultimately, it is essential to protect yourself from potential scams and harassment by staying vigilant and proactive in addressing unwanted calls and understanding your rights under the Fair Debt Collection Practices Act.