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What Company Is Calling Me From 2513446660 And Why Are They Calling? Are They A Debt Collector?

The company calling from 251-344-6660 is DiRecManagement, a debt collection agency based in Mobile, Alabama. They are calling to collect delinquent or defaulted debts on behalf of creditors and debt buyers. However, be aware that there have been complaints about their aggressive tactics, so be cautious if you receive a call from them.

If you are contacted by DiRecManagement, it is important to verify the debt and request written validation if you believe you do not owe it. You also have rights under the Fair Debt Collection Practices Act (FDCPA) to ask them to stop contacting you. If the debt is valid, consider negotiating a settlement or payment plan. If you come across any illegal or abusive practices, report them to the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB).

In conclusion, 251-344-6660 belongs to DiRecManagement, a legitimate debt collection agency. Remember to verify debts, know your rights, and take action against aggressive tactics if necessary.

How Can I Block Or Stop Calls From 2513446660?

If you want to block or stop calls from the number 2513446660, there are a few steps you can take. First, let unknown calls go to voicemail and avoid answering them directly to avoid engaging with potential collectors. Once you have identified 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 calls. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

In addition to blocking calls, it’s also important to formally request no further contact. Send a cease and desist letter via certified mail, demanding that no further calls be made. Check if your state has laws prohibiting collection calls without written notice, and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if you are considering legal action.

Furthermore, seek help in addressing any underlying debt. Consult a non-profit credit counselor who can assist in negotiating a resolution for the debt. Consider speaking to a consumer protection attorney who can advise you on your rights and potential lawsuits if the collector violates regulations. Remember to check your voicemails regularly to monitor any messages from identified collectors. Blocking calls does not eliminate any legitimate debts owed, but by taking proactive steps, you can stop harassment while addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 2513446660 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), consumers have specific rights when it comes to calls from the number 2513446660. To ensure these rights are respected, there are several actions you can take.

Firstly, it’s crucial to document any potential violations. Keep a record of each call, including the date, time, frequency, phone number, and any relevant details. If the caller contacts you outside the permitted hours of 8am to 9pm in your time zone without your consent, make a note of it. Similarly, document instances of repeated calls or any use of abusive language.

Next, assert your rights by taking appropriate action. You can revoke any previous consent given to be contacted outside normal hours by sending a written notice. If your workplace forbids such calls, formally request that they cease contact there as well. Sending a cease and desist letter via certified mail can be an effective way to demand that they no longer contact you by phone. Additionally, during conversations, you can verbally ask them to stop calling.

If you require assistance on what steps to take next, consider reporting any violations to the Consumer Financial Protection Bureau. Include your detailed documentation to initiate an investigation into the matter. Consulting with a consumer protection attorney can also provide valuable guidance on your rights and potential legal options, such as suing for damages. Contacting your state Attorney General’s office is another avenue to seek guidance if you believe FDCPA violations have occurred. Finally, seeking advice from an experienced credit counselor can help you address the debt while minimizing further collection calls.

Remember, adhering to the FDCPA and keeping detailed records will help protect you from harassment by debt collectors.

If Company From 2513446660 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 2513446660 is a debt collector, you have options to validate the debt and deal with it. Start by sending a written debt validation letter, asking for proof of the debt as required by the Fair Debt Collection Practices Act (FDCPA). Check the validation they provide for accuracy and dispute any incorrect or unrecognized information in writing to have it removed from your credit report.

Once the debt is validated, you can explore different options. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. Offering a partial payment of 30-50% of the balance and requesting deletion from your credit report in exchange is also possible if you can afford it. If the debt collector violates regulations during collection, you have rights under the FDCPA to assert. Non-profit credit counseling agencies can provide guidance in negotiating debt resolution, and consulting with an attorney can help you understand if bankruptcy or legal action against the collector are viable options. Keep records of all correspondence and calls for potential complaints, and consider revoking any prior permission given to contact you outside FDCPA guidelines.

Remember not to ignore a potential debt collector. Validate the debt and exercise your consumer rights under federal and state law. Seeking help from professionals ensures a fair outcome in resolving the debt. Get a copy of your credit report from IdentityIQ to fully understand your credit profile.

Can The Company From 2513446660 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 2513446660 is a legitimate debt collector, they may be able to sue you or garnish your wages to collect the debt. Settling the debt could be a viable option to avoid legal action, but it’s important to carefully review the terms of the settlement before agreeing.

To avoid legal action, you can take several steps. Negotiate affordable lump-sum or installment payments with the debt collector in writing to show your willingness to pay. You can also explain your inability to pay and request that they stop contacting you, but this doesn’t guarantee they won’t proceed with legal action. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can help you understand your rights and protections.

Before agreeing to settle, ensure the proposed payment plan is realistic and fits your budget. Get any settlement terms or agreements in writing before making any payments. Remember, the debt collector can still sue if you default on the settlement, so carefully consider your long-term financial situation and seek assistance to understand your options and rights before agreeing to any settlement.

If 2513446660 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 2513446660 is a collection company listed on your credit report, it is important to take certain steps to potentially remove it. The first step is to validate the legitimacy of the debt by requesting written confirmation from the collection agency. Carefully review the provided information for accuracy, and if you find any errors, send a written dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act.

If the debt is confirmed as valid, you have several options to potentially remove it from your credit report. One option is to negotiate a pay-for-delete agreement with the collection agency. Make sure to get any agreement in writing. Another option is to offer a good faith partial settlement payment to potentially have the collection removed. You can also consider hiring a credit repair service to dispute the debt on your behalf. Additionally, waiting for the 7-year credit reporting time limit to expire may lead to the removal of the collection from your report. If you suspect any law violations, filing a complaint with the Consumer Financial Protection Bureau can be another course of action. Lastly, consulting a consumer law attorney for legal advice is always recommended.

Throughout this process, it is essential to keep detailed written records of all your efforts to resolve the disputed collection account. By validating debts, negotiating with collectors, and asserting your rights, you can increase the likelihood of removing collections from your credit report. However, it is crucial to determine the legitimacy of the debt before taking any action. To obtain a comprehensive view of your credit history, consider pulling your three bureau credit report through IdentityIQ.