844-279-1645

What Company Is Calling Me From 844-279-1645? Are They A Scam And Why Are They Calling Me?

The phone number 844-279-1645 is associated with MCO, a possible debt collection agency that typically calls regarding payday loan debts. These calls are often automated and may discuss a loan or debt. MCO has been known to continue calling even when asked to stop. Debt collectors are required to follow laws such as the Fair Debt Collection Practices Act (FDCPA), and you have the right to dispute any inaccurate debt. It is uncertain if MCO is a scam or legitimate, as there are varying opinions. If you believe MCO is calling about a debt you do not owe, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state Attorney General’s office.

How Can I Block Or Stop Calls From 844-279-1645?

To stop or block calls from the number 844-279-1645, follow these steps:

1. Identify if the call is from a debt collector: Let unknown calls go to voicemail and check for messages. Debt collectors often leave messages about trying to collect a debt.

2. Block the number: Contact your phone carrier to permanently block the number, 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.

3. Send a cease and desist letter: Demand no further calls from the collector via certified mail. If your state has laws beyond the FDCPA, send a cease and desist letter invoking those rights.

4. Consult a non-profit credit counselor: They can help negotiate resolution of the debt and advise on further steps.

5. Speak to a consumer protection attorney: If the collector violates regulations, consider legal action.

Keep in mind that blocking calls doesn’t erase any legitimate debts owed. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 844-279-1645 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The FDCPA protects consumers from unfair debt collection practices, and 844-279-1645 may be associated with a debt collection agency like MCO. If you receive calls from this number, document the details, such as date, time, frequency, and any abusive language used. Assert your rights by revoking consent for calls outside allowed hours, requesting no contact at your workplace, and sending a cease and desist letter. You can also consult a consumer protection attorney or contact your state Attorney General’s office for guidance. Monitor calls for harassment and consider reporting any violations to the Consumer Financial Protection Bureau (CFPB).

If 844-279-1645 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate if 844-279-1645 is a debt collector and learn about your options, follow these steps:

1. Ask the caller for their name, company, and the reason for the call. Debt collectors must provide this information upon request.
2. If they are a debt collector, request written validation of the debt by sending a debt validation letter. Debt collectors are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).
3. Carefully review the validation for accuracy, disputing any incorrect or unrecognized information in writing and requesting removal from your credit report.
4. If the debt is valid, consider negotiating a settlement or payment 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.
5. If the collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency or attorney for guidance.
6. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.
7. If unsure if 844-279-1645 is legitimate or a scam, file complaints with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.

By following these steps, you can validate if 844-279-1645 is a debt collector and protect your rights under the FDCPA while seeking the best resolution for your situation. Seek help from professionals if needed.

Can 844-279-1645 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 844-279-1645 is a debt collector, they may sue you or garnish your wages if they successfully collect a court judgment. To avoid legal action, consider negotiating affordable payment terms, asserting your inability to pay, seeking credit counseling, or hiring an attorney.

Before settling, make sure the payment plan is feasible and obtain written agreements. Keep in mind that collectors can still sue if you default on a settlement. It’s crucial to evaluate your options and rights before agreeing to any payment plan to prevent future financial issues.

If 844-279-1645 Is A Collection Company, How Can I Remove It From My Credit Report?

If 844-279-1645 is a collection company, you can remove it from your credit report by first validating the debt. Request written confirmation from the collection agency and review it for accuracy. If any information is incorrect, dispute the debt in writing, citing the Fair Credit Reporting Act and demanding removal.

If the debt is legitimate, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement, or hiring a credit repair service to dispute the debt on your behalf. Another option is waiting for the 7-year credit reporting time limit to pass, which will cause the collection to automatically fall off your report.

You can also file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consulting a consumer law attorney may be helpful in reviewing if the collector broke laws, enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation. However, first focus on determining if the debt is legitimate before taking any action.

What Feedback And Comments Do People Leave About 844-279-1645?

People have left various feedback and comments about the phone number 844-279-1645. Many report receiving automated calls from MCO, a company that may act as a collection agency. The calls are usually about payday loan debts, even for those who never took out such loans. The callers may threaten legal action if not paid and provide no further information when asked. To avoid potential scams, it is essential to verify the legitimacy of the debt before providing any personal information or making payments.