855-245-1519

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What Company Is Calling Me From 855-245-1519? Are They A Scam And Why Are They Calling Me?

The company calling you from 855-245-1519 is Integrated Services, a debt collection agency. They have been known for making threatening calls about unpaid loans. Some individuals report that the caller refuses to provide information about the debt or their identity and becomes abusive when asked for proof. Legitimate debt collectors must provide written verification of the debt upon request. If you are unsure, ask for their name, address, phone number, and written verification. If they refuse, it may be a scam. Report any suspicious calls to the FTC and state Attorney General’s office.

How Can I Block Or Stop Calls From 855-245-1519?

To block or stop calls from the number 855-245-1519, first, let the unknown calls go to voicemail and do not answer them directly. Next, contact your phone carrier to permanently block the number. Additionally, use call blocking apps to automatically block and filter out the number at the network level. If you identify the caller as a debt collector, send a cease and desist letter via certified mail demanding no further calls. You can also consult a non-profit credit counselor to help negotiate a 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 855-245-1519 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from unfair debt collection practices, including from the number 855-245-1519. If you suspect this number is violating your rights, document the potential FDCPA violations, including the date, time, frequency, phone number, and details of the calls. Be aware that collectors can only call between 8 am and 9 pm in your time zone.

To assert your rights, you can revoke consent for calls outside these hours, request no further contact at work if prohibited, send a cease and desist letter, and verbally request the collector to stop calling during any conversation. If you believe a debt collector is violating the FDCPA, report the violations with documentation to the Consumer Financial Protection Bureau to open an investigation. Consult a consumer protection attorney for guidance on your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for further guidance, or ask a credit counselor how to address the debt without additional collection calls.

By adhering to the FDCPA, collectors must respect your rights and prevent harassment. Keep detailed records and assert your rights to protect yourself from unfair debt collection practices.

If 855-245-1519 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, identify if 855-245-1519 is a debt collector by requesting written validation of the debt. Send a debt validation letter by mail and carefully review the details provided. Dispute any inaccuracies and request removal from your credit report.

Once you’ve validated the debt, explore options such as negotiating a settlement, partial payment, or using legal action if necessary. Consult a non-profit credit counseling agency or attorney for guidance. Always maintain detailed records and never ignore a potential debt collector. By exercising your rights and seeking help, you can find the best path to debt resolution.

Can 855-245-1519 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-245-1519 is a debt collector, they have the legal right to sue you for the unpaid debt. If they win the lawsuit, they can garnish your wages or seize your bank accounts. To prevent this, negotiate a payment plan that you can afford, and make sure to have it in writing. You can also request that the collector cease contact, seek help from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if your debts are too overwhelming.

Before settling on a payment plan, ensure it is realistic based on your budget, have any agreements in writing, and be aware that the collector can still sue if you fail to meet the terms. It’s crucial to understand your options and rights before agreeing to a settlement.

If 855-245-1519 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-245-1519 is a collection company, you should first check if the debt is legitimate by requesting written confirmation from them. Review the validation carefully, making sure your personal details and the debt information are accurate. If there are any inaccuracies, dispute the debt in writing, citing the Fair Credit Reporting Act.

If the collector confirms the debt is valid, try negotiating a pay-for-delete agreement in writing, where you settle the debt in exchange for removal from your credit report. Alternatively, offer a good faith partial settlement payment and request deletion as a goodwill gesture. You can also hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Another option is to wait for the debt to fall off your report naturally after 7 years. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages, is another recourse.

To remove a collection company from your credit report, it’s essential first to validate the debt’s legitimacy, negotiate with collectors, and assert your rights while maintaining proper documentation throughout the process.

What Feedback And Comments Do People Leave About 855-245-1519?

Integrated Services, linked to phone number 855-245-1519, has been receiving numerous complaints from users who report being subjected to harassing calls and threats of legal action. The calls are often automated, demanding immediate payment for an alleged breach of contractual agreement with a financial institution. People have reported that the callers provide no information about themselves and refuse to provide a fax number or address for a cease and desist letter. The company’s reputation is that of making threatening and harassing calls to demand payment for alleged debts.

To protect yourself from potential scams and unlawful debt collection practices, it is essential to remain vigilant and cautious when dealing with such calls. Legitimate debt collectors must provide written verification of the debt upon request. If you suspect a call from a debt collector is fraudulent or harassing, report the incident to the Federal Trade Commission (FTC) and your state attorney general’s office. Identify if the unknown call is from a debt collector and block the number. Additionally, send a cease and desist letter and document call details for potential legal action. Seek help from non-profit credit counselors or consumer protection attorneys, as they can provide valuable guidance and support.

In the end, it is crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations. Request written validation of the debt, negotiate a settlement or payment plan, and consult an attorney for assistance if needed. By taking these steps, you can protect yourself from potential scams and unlawful debt collection practices.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE