844-923-1094

What Company Is Calling Me From 844-923-1094? Are They A Scam And Why Are They Calling Me?

The company calling from 844-923-1094 is Ford Credit Motor Corp, and they are a debt collector regarding car loans. It is essential to be cautious as this number has been reported for unwanted calls and potential scams. Verify the caller’s identity and never give personal information over the phone unless you initiated the call and are certain of the recipient’s identity. Know your rights under the Fair Debt Collection Practices Act, and report any harassment or scams to the Federal Trade Commission. In the end, it is crucial to understand your rights, protect your personal information, and take necessary actions to address any outstanding debts or unwanted calls.

How Can I Block Or Stop Calls From 844-923-1094?

To stop unwanted calls from 844-923-1094, first determine if it’s a debt collector. If so, contact your phone carrier to block the number permanently or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. Send a cease and desist letter through certified mail, and consider seeking help from a non-profit credit counselor or consumer protection attorney. Keep in mind, blocking calls won’t eliminate any owed debts, but taking action can put an end to harassment and help address outstanding balances.

Is 844-923-1094 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 844-923-1094 is connected to Ford Credit, a car loan company, and serves as a debt collector. As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) to shield yourself from harassment or potential scams. To ensure you’re not being violated, document the date, time, frequency, phone number, and details of all calls, and track if they call outside allowed hours or use abusive language.

If you believe your rights are being violated, you can revoke any prior consent given to call outside normal hours, request they cease contact at your workplace, send a cease and desist letter, or verbally request them to stop calling during any conversation. Report any violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Additionally, you can ask a credit counselor for advice on addressing the debt without incurring further collection calls. Adhering to the FDCPA is required for any collector contacting you, and keeping detailed records and asserting your rights can help prevent further harassment from debt collectors.

If 844-923-1094 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, confirm if 844-923-1094 is a debt collector for Ford Credit by requesting written validation of the debt. Send a debt validation letter to the collector, as required by the Fair Debt Collection Practices Act (FDCPA). Once you have confirmed the debt, explore your options for resolving it. This may include negotiating a settlement or payment plan, offering partial payment, or requesting deletion from your credit report in exchange for payment.

Assert your rights under the FDCPA if the collector violates regulations during the collection process. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

Maintain detailed records of all correspondence and calls, and revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. Seek help from professionals to ensure a fair outcome in resolving the debt.

Can 844-923-1094 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 844-923-1094 is a debt collector for Ford Credit, they could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, negotiate affordable payments, assert inability to pay, seek guidance from a credit counselor or attorney, and consider bankruptcy if debts are overwhelming. Before agreeing to settle, ensure the payment plan is realistic and get any settlement terms in writing. Settling often makes sense to avoid legal action, but don’t agree to payments you can’t maintain. Verify the caller’s identity, know your rights under the Fair Debt Collection Practices Act, and report any harassment or scams to the Federal Trade Commission.

If 844-923-1094 Is A Collection Company, How Can I Remove It From My Credit Report?

If 844-923-1094 is a 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 ensure the debt is legitimate and your personal details are accurate. If any information is incorrect, send a written dispute.

2. Negotiate a pay-for-delete agreement: Offer to settle the debt in exchange for removing the collection tradeline from your credit file. This may require paying a lump-sum settlement.

3. Offer a good faith partial settlement payment: Request deletion as a gesture of goodwill. Keep in mind that the collector is not obligated to remove it without a formal agreement.

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

5. Wait for the 7-year time limit: Allow the collection to automatically fall off your report after seven years.

6. File a complaint: Report any violations of laws to the Consumer Financial Protection Bureau.

7. Consult an attorney: Review your case with a consumer law attorney to determine if the collector broke laws enabling you to sue for removal and damages.

8. Maintain detailed records: Keep written documentation of 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. However, always focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 844-923-1094?

People often leave feedback and comments about the phone number 844-923-1094, primarily concerning unwanted calls and debt collection efforts from Ford Credit. Many reports mention automated calls without company identification, calls related to car loans, and debt collection from Ford Credit Motor Corp. Some users have even received calls from a related number connected to Ford Credit. A voicemail transcript confirms the number’s use for debt collection purposes. In essence, the comments and context suggest that the phone number is associated with Ford Credit and is used for debt collection and car loan-related calls.