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What Company Is Calling Me From 8885699635 And Why Are They Calling? Are They A Debt Collector?

The phone number 888-569-9635 belongs to P&B Capital Group, a legitimate debt collection agency. They are calling you because they are attempting to collect a debt that you owe to an original creditor, such as a credit card company or medical provider. It is important to note that the debt they are calling about is real and owed by you, and P&B Capital Group is not a scam or illegal robocaller according to consumer protection agencies.

To handle the situation, it is recommended to first verify the debt and ensure that it is legitimate and yours. Once you have confirmed the debt, you can negotiate a settlement or payment plan with P&B Capital Group if desired. If the debt is past your state’s statute of limitations, you may not be legally obligated to pay, but it is advisable to consult a consumer lawyer about your options in this case.

Keep in mind that you can request in writing that P&B Capital Group stop contacting you, although they may still report the debt to credit bureaus. It is important to carefully consider your options and take appropriate steps to resolve the debt.

How Can I Block Or Stop Calls From 8885699635?

If you want to block or stop calls from 8885699635, there are steps you can take. Firstly, let the calls go to voicemail and avoid direct engagement to identify if they are from a debt collector. Once confirmed, you can block the number by contacting your phone carrier or using call blocking apps like Nomorobo or Hiya. For smartphones, you can also set contacts not in your address book to go straight to voicemail or be blocked.

To formally request no further contact, send a cease and desist letter via certified mail demanding that the collector stops calling you. Check if your state has laws prohibiting collection calls without written notice and send a cease and desist letter invoking those rights. Keeping records of all calls is essential to demonstrate harassment if legal action is considered.

Seek help in addressing any underlying debt by consulting a non-profit credit counselor who can assist in negotiating a resolution. If the collector violates regulations, consider speaking to a consumer protection attorney regarding your rights and potential lawsuits. Remember to regularly check voicemails to monitor any messages from identified collectors, as blocking calls does not eliminate legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 8885699635 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have specific rights as a consumer when it comes to calls from 8885699635. If this number is contacting you for debt collection purposes, it is important to determine if they are violating the FDCPA. To do so, document the date, time, frequency, and details of all calls. Keep in mind that they may be in violation if they call outside of the allowed hours of 8am to 9pm in your time zone without your consent, repeatedly call over a short period, or use abusive language.

To assert your rights, you can take several actions. Start by revoking any prior consent given to call outside normal hours in writing. If they are calling you at your workplace and it is against your employer’s policies, formally request that they cease contact there. Another option is sending a cease and desist letter via certified mail, specifically demanding no further contact by phone. Additionally, during any conversation with them, make sure to verbally request that they stop calling.

If you believe that the debt collector is indeed violating the FDCPA, it is important to report the violations along with the documentation you have gathered to the Consumer Financial Protection Bureau. To better navigate your specific rights and options, you may also want to consult with a consumer protection attorney. They can provide guidance on potential courses of action, including the possibility of suing for damages. Remember that your state Attorney General’s office can also offer guidance if you believe FDCPA violations have occurred. Lastly, seeking assistance from an experienced credit counselor can help you address the debt without further collection calls.

By keeping detailed records and asserting your rights as a consumer, you can take steps to prevent further harassment from debt collectors.

If Company From 8885699635 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 from 8885699635 is a debt collector, you can validate the debt by requesting a debt validation letter. This is a necessary step according to the Fair Debt Collection Practices Act (FDCPA). Check the validation for accuracy by reviewing your personal details, creditor name, account number, and amount owed. If you spot any incorrect or unrecognized information, dispute it in writing and ask for its removal from your credit report.

After validating the debt, you have several options for handling it. You can negotiate a payment plan or a lump-sum settlement in writing before making any payment. It’s possible to offer a partial payment of 30-50% of the balance if it’s affordable, and request its deletion from your credit report in return. In case the debt collector violates FDCPA regulations during collection, you have the right to assert your rights under the act. Seeking guidance from a non-profit credit counseling agency can help you navigate debt resolution negotiations. If needed, contacting an attorney can assist you in exploring alternative options like bankruptcy or legal action against the collector.

Throughout this process, it’s crucial to keep detailed records of all communication and phone calls to protect yourself and file potential complaints. Additionally, you can withdraw any prior permission given, whether verbally or in writing, for the debt collector to contact you outside the guidelines set by the FDCPA. Remember, never ignore a possible debt collector and take steps to verify the validity of the debt while asserting your consumer rights under federal and state laws. Seeking professional assistance can also ensure a fair resolution.

Can The Company From 8885699635 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you are contacted by a debt collector from 8885699635, it is possible that they could take legal action against you, including suing you or garnishing your wages, if the debt is legitimate. To avoid this, it is important to negotiate affordable payment plans in writing and seek guidance from a non-profit credit counselor or consumer law attorney. Be sure to keep records of all your efforts to address the debt.

Before agreeing to settle, carefully assess your budget and make sure you can realistically afford the proposed payment plan. Get any settlement terms or agreements in writing before making any payments. Keep in mind that if you default on a settlement, the collector can still sue you, so it’s essential to make payments that you can maintain. Seek help to understand your options and rights before making any decisions. Obtaining a three bureau credit report, such as from IdentityIQ, can provide a comprehensive view of your credit situation and help you make informed choices.

If 8885699635 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 8885699635 is a collection company on your credit report, the first step is to validate the debt’s legitimacy. Request written confirmation and carefully review the validation for accuracy. If there are any inaccuracies, write a dispute to the collection agency stating that the debt is incorrect under the Fair Credit Reporting Act and demand removal from your credit file.

If the collector confirms the debt as valid, there are active steps you can take to possibly remove it. One option is negotiating a pay-for-delete agreement in writing, settling the debt in exchange for its removal. Another option is making a good faith partial settlement payment and requesting deletion as a gesture of goodwill, but this doesn’t guarantee removal without a formal agreement.

You could also consider hiring a credit repair service to formally dispute the debt on your behalf, providing legal resources to help get it removed. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to potentially sue for removal and damages.

It is crucial to keep detailed written records throughout this process. By proactively validating debts, negotiating with collectors, and asserting your rights, persistent efforts and proper documentation may lead to the removal of collections from your credit report. However, it is important to determine if the debt is legitimate before taking any action.