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What Company Is Calling Me From 2513167305 And Why Are They Calling? Are They A Debt Collector?

The number 251-316-7305 has been reported for scams, fraudulent crypto/investment schemes, and harassment. It is important to note that there is no evidence to suggest that this number is associated with a legitimate debt collection agency. This number originates from the Mobile, AL area. Scammers often use spoofed caller ID to make it appear as though the call is coming from a legitimate business.

The Federal Trade Commission (FTC) and consumer advocacy sites strongly advise exercising extreme caution when receiving unsolicited calls demanding money or personal information, as they are likely scams. To ensure your own safety, it is recommended that you do not provide any sensitive information or make any payments over the phone to unknown callers from this number.

Remember, it is always better to err on the side of caution when dealing with unfamiliar numbers, as protecting your personal and financial information should be your top priority. Stay vigilant and be aware of potential scams to safeguard yourself from falling victim to fraudulent activities.

How Can I Block Or Stop Calls From 2513167305?

If you want to block or stop calls from the number 2513167305, follow these steps. First, let unknown calls go to voicemail and avoid answering any unknown calls directly to avoid engaging with potential collectors. Once you identify the caller as a debt collector, contact your phone carrier to permanently block the number or use call blocking apps to automatically filter out the number. You can also set contacts not in your address book to go straight to voicemail or be blocked on smartphones.

To formally request no further contact, 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 and invoke those rights in your letter. Keep detailed records of all calls to demonstrate a pattern of harassment if you are considering legal action.

If you are facing an underlying debt, consult a non-profit credit counselor who can help negotiate resolution of the debt. Consider speaking to a consumer protection attorney to understand your rights and explore potential legal action against the collector if they violate regulations. Remember to check your voicemails regularly to monitor any messages from an identified collector, as blocking calls does not eliminate any legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 2513167305 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), as a consumer, you have rights and protections when it comes to debt collection calls, even from the number 2513167305. To determine if this number is violating the FDCPA, keep track of any potential violations such as calls made outside of allowed hours, repeated calls within a short period, or the use of abusive or threatening language. Make sure to record important details like the date, time, frequency, phone number, and the specifics of each call to support your claims.

To assert your rights, you can revoke any previous consent given to be contacted outside of normal hours through a written request. If your workplace disallows such calls, formally ask them to stop contacting you at work. Another option is to send a cease and desist letter via certified mail, demanding that they no longer contact you by phone. You can also verbally request that they cease calling during any conversation.

If you need guidance on what to do next, report any violations with all relevant documentation to the Consumer Financial Protection Bureau. They can open an investigation into the matter. It is also advisable to consult with a consumer protection attorney who can provide insight into your specific rights and options, including the possibility of suing for damages. For further assistance, contact your state Attorney General’s office if you suspect any FDCPA violations. Additionally, an experienced credit counselor can help you address the debt and minimize further collection calls.

Always remember, debt collectors are required to adhere to the guidelines outlined in the FDCPA when contacting you. By maintaining detailed records and asserting your rights, you can put an end to any harassment from debt collectors.

If Company From 2513167305 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company linked to the phone number 2513167305 is a debt collector, you have options to validate the debt and handle it appropriately. Start by sending a debt validation letter to the collector, requesting written proof of the debt as mandated by the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy of personal details, creditor name, account number, and amount owed. If you spot any incorrect or unfamiliar information, dispute it in writing and ask for its removal from your credit report.

Once the debt is validated, consider your next steps. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If feasible for you, offering a partial payment of 30-50% of the balance may be an option. In return, you can ask the debt collector to delete the debt from your credit report. If the collector violates any regulations during their collection efforts, assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can provide assistance in negotiating debt resolution. Additionally, consulting an attorney can help you explore options like bankruptcy or legal action against the collector. Make sure to keep detailed records of all communication and calls for potential complaints, and withdraw any prior consent given to contact you outside FDCPA guidelines.

Remember that ignoring a potential debt collector is not advisable. Verify the debt, exercise your consumer rights, and then decide on the most suitable course of action. Seeking help from professionals can ensure a fair resolution to your situation.

Can The Company From 2513167305 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company associated with the phone number 2513167305 is a legitimate debt collector, they can potentially take legal action against you to recover the debt, including suing you and garnishing your wages. To avoid this, it is crucial to take proactive steps to address the situation. One approach is to negotiate affordable payment plans with the debt collector, ensuring that all agreements are documented in writing. Seeking guidance from a non-profit credit counselor or a consumer law attorney can provide valuable advice in navigating this process.

Before agreeing to any settlement offer, carefully evaluate whether the proposed payment plan aligns with your budget and financial capabilities. It is important to have a realistic understanding of what you can afford to avoid potential long-term consequences. Keep in mind that even after settling, a collector may still pursue legal action if you fail to meet the terms of the agreement.

To protect yourself, maintain detailed records of all communication with the debt collector and your efforts to address the debt. Additionally, obtaining a three-bureau credit report from IdentityIQ can provide a comprehensive overview of your credit information, enabling you to make more informed decisions. Ultimately, seeking assistance from professionals who specialize in credit and consumer law can help you understand your rights and explore all available options before making any final decisions regarding settlement or potential legal action.

If 2513167305 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 2513167305 is a collection company, the first step in removing it from your credit report is to validate the debt. Request written confirmation and carefully review the validation to ensure the accuracy of personal information and debt details. If you find any inaccuracies, write a dispute to the collection agency stating that the debt is incorrect according to the Fair Credit Reporting Act, and request removal from your credit file.

If the debt is verified as valid, there are active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, offering a lump-sum settlement in exchange for removal. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although a formal agreement may be required. Alternatively, you can hire a credit repair service to dispute the debt on your behalf and provide legal resources for removal.

If these options do not work, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. Additionally, if the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. Lastly, consulting a consumer law attorney can help determine if the collector broke laws, potentially enabling you to sue for removal and damages. It is essential to keep detailed written records of your efforts to resolve the dispute.

By taking proactive measures to validate debts, negotiate with collectors, and assert your rights, you increase the chances of removing collections from your credit report. Remember to focus on determining the legitimacy of the debt before proceeding with any further action.