855-225-3909

What Company Is Calling Me From 855-225-3909? Are They A Scam And Why Are They Calling Me?

The phone number 855-225-3909 is associated with Senior Services and Century Benefits. Users have reported receiving calls from this number with suspicions of it being a scam. The callers have claimed to be from Century to see if the user qualifies for more benefits. It is crucial to be cautious when receiving calls from unknown numbers, especially those asking for personal information.

To ensure your safety, identify if the unknown call is from a debt collector. If it is, block the number through your phone carrier or call blocking apps. You can also send a cease and desist letter and keep detailed records of calls. Seek help from non-profit credit counselors or consumer protection attorneys to better understand your rights under the Fair Debt Collection Practices Act (FDCPA).

Request written validation of the debt, dispute inaccuracies, and negotiate payment plans or settlements. In the end, be vigilant and cautious when dealing with unknown callers, and remember to prioritize your own safety and well-being.

How Can I Block Or Stop Calls From 855-225-3909?

First, determine if the call is from a debt collector by letting it go to voicemail and not answering directly. Once identified, take action to block the number. Contact your phone carrier to block the number permanently, or use call blocking apps like Nomorobo or Hiya to automatically block the number at the network level.

For smartphones, set contacts not in your address book to go straight to voicemail or be blocked. After blocking the number, send a cease and desist letter via certified mail demanding no further calls. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Consult a non-profit credit counselor to help negotiate resolution of the debt or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-225-3909 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 855-225-3909 is associated with senior services and Century Benefits, which may contact users to check eligibility for benefits. Users have reported suspicious calls from this number, raising concerns about potential Fair Debt Collection Practices Act (FDCPA) violations.

To document potential FDCPA violations, record the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8am – 9pm in your time zone, repeatedly call over a short period, or use abusive language.

To assert your rights, revoke any prior consent given to call outside normal hours, request they cease contact at your workplace if prohibited, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation.

Seek assistance on next steps by reporting any violations with documentation to the Consumer Financial Protection Bureau, consulting with a consumer protection attorney, contacting your state Attorney General’s office, or asking an experienced credit counselor for guidance on addressing the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 855-225-3909 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 855-225-3909 is a debt collector, the first step is to validate the debt. To do this, formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA.

Once you have the validation, carefully review it for accuracy. Verify your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

After validating the debt, consider these options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 855-225-3909 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 855-225-3909 and they claim to be a debt collector, it is crucial to understand your rights and options. In general, if the debt is legitimate, the collector 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, you can:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact. This may prevent suit, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

Settling often makes sense to avoid legal action but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 855-225-3909 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-225-3909 is a collection company, the first step to remove it from your credit report is to verify if the debt is legitimate. Request written confirmation from the collection agency and review it carefully for accuracy. If any information is incorrect, send a written dispute to the collector stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf and providing legal resources to assist in getting it removed is another option.

Waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report is another way to remove it. If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Keep detailed written records showing your efforts to resolve the disputed collection account. By validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 855-225-3909?

People often leave negative feedback and comments about 855-225-3909, as it is suspected to be a scammer or fraudster’s phone number. Users report receiving multiple calls per day, with callers claiming to be from Century, checking if recipients qualify for more benefits. The number has 14 user complaints and 23 complaints to the FTC, with 20 users rating it as negative. The most common categories for this number are telemarketer and unsolicited call.

To protect yourself from potential scams, remain cautious when receiving calls from unknown numbers, especially those asking for personal information. Block the number through your phone carrier or call blocking apps, and consider sending a cease and desist letter. Keep detailed records of calls and seek help from non-profit credit counselors or consumer protection attorneys if needed.

Understand your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive or unfair debt collection practices. Request written validation of the debt, dispute inaccuracies, and negotiate payment plans or settlements if necessary. By following these steps, you can protect yourself from potential scams and ensure your rights are being upheld.