8336840585

What Company Is Calling Me From 8336840585 And Why Are They Calling? Are They A Debt Collector?

If you received a call from 833-684-0585, it is likely that Wakefield & Associates, Inc., a debt collection agency based in Colorado, is trying to reach you. They have been in business since 1986 and this particular number, 833-684-0585, is one of their known phone numbers. User reports indicate that Wakefield & Associates often uses this number to make debt collection calls.

When Wakefield & Associates calls, they typically use robocalls or pre-recorded messages. They may ask for someone by name and state that they are attempting to collect a debt. It is important to note that if you request it, Wakefield & Associates is required to provide information about the original creditor and details of the debt.

If you are unfamiliar with the debt they are trying to collect, it is recommended to ask for written validation of the debt and consult the original creditor for clarification. Additionally, if you want to stop receiving unwanted calls from Wakefield & Associates, you can directly ask them to stop contacting you. If the calls continue or become harassing, you have the option to report them as harassment to organizations like the Better Business Bureau, Federal Trade Commission, or Consumer Financial Protection Bureau.

To gain a better understanding of your financial situation and any potential debts, consider pulling a three-bureau credit report from IdentityIQ. This will give you a comprehensive overview of your credit history and help you identify any outstanding debts that require attention. However, please note that we do not endorse any specific brands or products except for IdentityIQ.

How Can I Block Or Stop Calls From 8336840585?

If you receive calls from the company at 8335243202 and suspect it is a debt collector, it is crucial to validate the debt. Start by sending a debt validation letter to the collector, requesting written verification of the debt as required by the FDCPA. Carefully review the validation to ensure accuracy in personal details, creditor name, account number, and amount owed. If you find any incorrect or unfamiliar information, dispute it in writing and ask for its removal from your credit report.

Once the debt is validated, you have several options to address it. You can negotiate a lump-sum settlement or a payment installment plan by putting the agreement in writing before making any payments. Alternatively, you can offer a partial payment of 30-50% of the balance if it is affordable, while requesting its deletion from your credit report. If the debt collector violates regulations during collection, you can assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency or consulting an attorney to explore bankruptcy or legal action against the collector are also viable options. Maintain detailed records of all correspondence and calls for potential complaints, and consider revoking any prior permission given to contact you outside FDCPA guidelines.

Remember, it is important not to ignore a potential debt collector. Validate the debt, exercise your consumer rights, and seek professional assistance to achieve a fair resolution.

What Are My Rights As A Consumer Regarding Calls From 8336840585 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have certain rights regarding calls from 8336840585 under the Fair Debt Collection Practices Act (FDCPA). To determine if they are violating the FDCPA, you should document important information such as the date, time, frequency, phone number, and details of the calls. Pay attention to whether they are calling outside the allowed hours of 8am – 9pm in your time zone, unless you have given consent for other hours. If they repeatedly call within a short period or use abusive language, this may also be considered a violation.

To assert your rights, start by revoking any prior consent you may have given for them to call outside normal hours. Make sure to do this in writing. If they are contacting you at your workplace and it is prohibited by your employer, formally request that they cease contact there. You can also send a cease and desist letter via certified mail, explicitly demanding no further contact by phone. Additionally, during any conversation, verbally request that they stop calling.

If you believe there are violations of the FDCPA, it is crucial to report them with proper documentation to the Consumer Financial Protection Bureau. This will initiate an investigation into the matter. To better understand your specific rights and options, it is advisable to consult with a consumer protection attorney who can assist you. In some cases, you may be eligible to sue for damages. Your state Attorney General’s office can also provide guidance on FDCPA violations.

If Company From 8336840585 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company calling from 8336840585 is a debt collector, you need to validate the debt before taking any action. To do this, send a debt validation letter requesting written proof of the debt. The Fair Debt Collection Practices Act legally requires them to provide this information. Once you receive the validation, carefully review it for accuracy, checking personal details, creditor name, account number, and amount owed. If you find any incorrect or unrecognized information, dispute it in writing and request removal from your credit report.

After validating the debt, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing. Consider offering a partial payment of 30-50% of the balance if it’s affordable for you. You can also request deletion of the debt from your credit report in exchange for the payment. If the debt collector violates any regulations during the collection process, assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency or an attorney can help you navigate debt resolution, including exploring bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls for potential complaints. Lastly, remember to revoke any prior permission given to contact you outside FDCPA guidelines.

Don’t ignore potential debt collectors. Validate the debt and exercise your consumer rights under federal and state law before deciding on the best course of action. Seeking help from professionals can ensure a fair outcome in resolving your debt situation

Can The Company From 8336840585 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8336840585 is a debt collector and if they have a legitimate debt, they have the potential to sue you and try to recover the amount owed. In the event that they are successful in obtaining a court judgment, there is a possibility that they may garnish your wages or bank accounts. To prevent legal action, it is advisable to follow these steps:

Firstly, it is recommended to negotiate affordable lump-sum or installment payments in writing. This will showcase your sincere intention to repay the debt. Secondly, assert your inability to pay and request that the debt collector refrain from contacting you. Although this might not completely prevent a lawsuit, it could discourage further legal action. Thirdly, seek assistance from a non-profit credit counselor who can act on your behalf when dealing with the collector. Additionally, consider consulting a consumer law attorney who can guide you on your rights under the Fair Debt Collection Practices Act (FDCPA) and state laws that protect against unfair lawsuits. Lastly, if your debts become overwhelming, it might be worth discussing the possibility of bankruptcy with an attorney to determine if it is a suitable option for your circumstances. Remember to maintain thorough documentation of all communication and efforts made to address the debt.

Before agreeing to settle, it is crucial to carefully assess the following factors: Firstly, ensure that the proposed payment plan is genuinely affordable within your budget. Secondly, obtain written confirmation of any settlement terms or agreements before making any payments. Thirdly, be aware

If 8336840585 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 8336840585 is a legitimate debt collection company, there is a risk of them taking legal action to recover the amount owed. To avoid this, it’s crucial to take proactive measures.

To begin, attempt to negotiate affordable lump-sum or installment payments with the debt collector through written communication. This demonstrates your willingness to pay and may deter them from pursuing a lawsuit. You can also inform them of your inability to pay and request that they stop contacting you, although this doesn’t guarantee they won’t proceed with legal action.

Consider seeking guidance from a non-profit credit counselor who can advocate for you when dealing with the collector. They will assist you in navigating the process and exploring potential solutions. Consulting with a consumer law attorney may also be helpful in understanding your rights under the Fair Debt Collection Practices Act (FDCPA) and state laws, which protect you from unfair lawsuits.

Before agreeing to any settlement, carefully review the proposed payment plan and determine if it is realistically affordable within your budget. It is crucial to obtain written confirmation of the settlement terms or agreements before making any payments. Keep in mind that even with a settlement, the collector could still sue if you default. Settling for an amount you cannot afford may have long-term financial consequences, so seek assistance to fully comprehend your options and rights before making any decisions.