8459137499

What Company Is Calling Me From 8459137499 And Why Are They Calling? Are They A Debt Collector?

If you’re getting calls from 8459137499, it’s likely the Collection Bureau of the Hudson Valley trying to reach you. They’re a debt collection agency based in Newburgh, New York, responsible for collecting defaulted debts assigned by creditors. Remember, as a debt collector, they must comply with laws like the Fair Debt Collection Practices Act.

It’s essential to know that debt collectors like the Collection Bureau of the Hudson Valley are prohibited from harassing or misleading you when attempting to collect a debt. If they contact you about a debt you don’t recognize or dispute, you have rights. You can request them in writing to stop contacting you and ask for debt validation.

When dealing with any debt collector, be cautious about sharing personal or financial information over the phone. Verify the caller’s identity and the validity of the debt before providing sensitive details. If you believe the Collection Bureau of the Hudson Valley has violated debt collection laws, you can file complaints with agencies like the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB). For an added layer of credit monitoring, consider getting a 3-bureau credit report through IdentityIQ to keep track of your financial well-being.

How Can I Block Or Stop Calls From 8459137499?

If you’re getting calls from 8459137499 and think it might be a debt collector, follow these steps to block or stop the calls. Start by letting unknown calls go to voicemail instead of answering them directly. This way, you can determine if it’s indeed a debt collector trying to reach you.

Once you’ve confirmed it’s a collector, you have a couple of options to block future calls. Contact your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya to automatically filter out the number at the network level. 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, consider sending a cease and desist letter via certified mail, demanding that they stop calling you. Additionally, check if your state has any laws beyond the FDCPA (Fair Debt Collection Practices Act) that prohibit collection calls without written notice, and mention those rights in your letter. It’s important to keep detailed records of all calls as evidence of harassment, in case you decide to take legal action.

Lastly, seeking help from a non-profit credit counselor can assist you in addressing any underlying debt and negotiating a resolution. If the collector violates regulations, it may be worth speaking to a consumer protection attorney regarding your rights and potential legal action. Remember to regularly check your voicemail for messages from identified collectors. Blocking calls won’t eliminate any legitimate debts you owe, but taking proactive steps can help stop harassment while you work on addressing outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 8459137499 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to understand your rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from 8459137499. To determine if the caller is violating the FDCPA, make sure to document any potential violations by noting the date, time, frequency, phone number, and details of each call. Pay attention to whether they are calling outside the allowed hours of 8am – 9pm in your time zone and if they engage in any abusive language or repeated calling over a short period.

To assert your rights, there are several steps you can take. First, in writing, revoke any previous consent you may have given for them to call outside normal hours. Additionally, formally request that they stop contacting you at your workplace if it is prohibited by your employer. You can also send a cease and desist letter via certified mail, explicitly stating that you do not wish to be contacted by phone anymore. During any conversation with the caller, remember to verbally request that they stop calling you.

If you believe there are violations of the FDCPA, report them to the Consumer Financial Protection Bureau along with all your documentation. This will prompt an investigation into the matter. It may also be beneficial to consult with a consumer protection attorney who can provide guidance on your specific rights and options, which may include the possibility of taking legal action for damages. Additionally, seek advice from an experienced credit counselor who can assist you in addressing the debt without facing further collection calls.

By keeping detailed records and asserting your rights, you can put a stop to any harassment from debt collectors and protect yourself as a consumer.

If Company From 8459137499 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 8459137499 is a debt collector, you can validate the debt by requesting written verification through a debt validation letter. The collector must provide this information under the FDCPA. Check the validation carefully for accuracy, including your personal details, creditor name, account number, and amount owed. If you find any incorrect or unrecognized information, dispute it in writing and ask for removal from your credit report.

After the debt is validated, you have several options for dealing with it. You can negotiate a reasonable lump-sum settlement or a payment installment plan in writing before making any payments. Another option is offering a partial payment of 30-50% of the balance if it’s affordable, while requesting deletion from your credit report in exchange. If the debt collector violates regulations during collection, you can assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can help you navigate debt resolution. You may also want to consult an attorney to explore options like bankruptcy or legal action against the collector. Keep detailed records of all communication and consider revoking any prior permission given to contact you outside FDCPA guidelines.

Remember, it’s important not to ignore a potential debt collector. Validate the debt, exercise your consumer rights under federal and state law, and seek professional assistance for a fair resolution. Obtaining a copy of your credit report from IdentityIQ or similar services can help you stay informed about your financial standing.

Can The Company From 8459137499 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8459137499 is a debt collector and they have legitimate grounds to pursue your debt, there is a possibility that they may take legal action against you or garnish your wages. However, there are steps you can take to avoid or minimize the impact of such actions.

One option is to negotiate with the debt collector to establish an affordable payment plan. This can be done through lump-sum payments or installment payments, which should be documented in writing to show your commitment to paying off the debt. While this may not entirely prevent a lawsuit, it demonstrates your willingness to cooperate.

You can also assert your inability to pay and request that the debt collector stop contacting you. However, keep in mind that this does not guarantee protection against a lawsuit. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can help you navigate the situation and understand your rights under the Fair Debt Collection Practices Act (FDCPA) and state laws.

If your debts are overwhelming and negotiations are not successful, considering bankruptcy may be an option. Consulting with an attorney who specializes in bankruptcy can help you determine if this is the right choice for your circumstances. Remember to keep detailed records of all communication and efforts made to resolve the debt.

Before agreeing to any settlement, carefully review the proposed payment plan to ensure it is realistic based on your budget. It is crucial to obtain written documentation of the settlement terms before making any payments. Keep in mind that if you default on a settlement, the debt collector can still sue you. Seek assistance to fully understand your rights and options before committing to any settlement agreement.

If 8459137499 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 8459137499 is a collection company on your credit report, there are steps you can take to potentially have it removed. Start by validating the debt through written confirmation and carefully reviewing the details for accuracy. If you find any inaccuracies, send a written dispute to the collection agency, stating that the debt is incorrect according to the Fair Credit Reporting Act. Demand that they remove the collection tradeline from your credit file.

If the debt is confirmed as valid, you can explore negotiating a pay-for-delete agreement in writing. This involves offering a lump-sum settlement in exchange for removal. Alternatively, you can offer a partial settlement payment as a gesture of goodwill and request deletion, although the agency is not obligated to remove it without a formal agreement.

Another option is to hire a credit repair service to handle the dispute on your behalf and provide legal resources to aid in the removal process. Additionally, you can simply wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

If the collector refuses to remove inaccurate information and violates laws, you have the right to file a complaint with the Consumer Financial Protection Bureau. It may also be wise to consult with a consumer law attorney to determine if any laws were broken, allowing you to take legal action for removal and potential damages.

Throughout this process, keep detailed written records of your efforts to resolve the disputed collection account. By being proactive and asserting your rights, you improve your chances of removing collections from your credit report through persistence and proper documentation. Remember to verify the legitimacy of the debt before proceeding with further action.