855-465-0219

What Company Is Calling Me From 855-465-0219? Are They A Scam And Why Are They Calling Me?

The company calling from 855-465-0219 is likely a scam or a robocall. Nomorobo and Robokiller, both services that block robocalls, have identified the number as suspicious. To protect yourself, do not answer calls from this number and block it on your phone. You can also report the number to the FTC to help identify and stop unwanted calls.

When receiving calls from unknown numbers, always remain cautious. Blocking the number and reporting it to the FTC can help prevent further issues. Remember to assert your consumer rights under the FDCPA if dealing with a debt collector, and ensure accurate information on your credit report. Keep in mind that feedback on 855-465-0219 is mixed, with some identifying it as a robocall and others as a legitimate call from BGE.

How Can I Block Or Stop Calls From 855-465-0219?

If you receive calls from an unrecognized number that could be a debt collector, follow these steps to block or stop calls from 855-465-0219:

1. Identify if it is a debt collector: Let unknown calls go to voicemail, and do not answer directly.

2. Block further calls: Contact your phone carrier to permanently block the number. Utilize 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.

3. Request no further contact: Send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

4. Address the underlying debt: Consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Do not avoid unknown calls altogether; check voicemails to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-465-0219 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from abusive or harassing debt collection practices. If you receive a call from 855-465-0219, you have rights under this act. Document the details of the call, including the date, time, frequency, and any abusive language used. If the calls are outside the allowed hours of 8 am to 9 pm, note this as well.

To assert your rights, you can revoke any prior consent for calls outside normal hours, request they cease contact at your workplace, send a cease and desist letter, or verbally ask them to stop calling during a conversation. If you believe the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

It’s crucial to adhere to the FDCPA for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 855-465-0219 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 855-465-0219 is a debt collector, your first step is to validate the debt. To do this, request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once the debt is validated, consider the following options: negotiate a 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. Formally assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution. Contact an attorney to explore bankruptcy or legal action against the collector.

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. Remember, never ignore 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 855-465-0219 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-465-0219 is a debt collector, they can potentially sue you to recover the owed amount. If they win a court judgment, your wages or bank accounts may be garnished. To avoid legal action, negotiate affordable lump-sum or installment payments in writing, assert your inability to pay, request them to stop contacting you, seek credit counseling, or consider hiring a consumer law attorney or filing for bankruptcy if debts are overwhelming. Keep records of all communications and efforts to resolve the debt.

Before settling, ensure the proposed payment plan is manageable within your budget. Get any settlement terms or agreements in writing before making payments. Be cautious, as a collector can still sue if you fail to meet a settlement agreement. Make sure to seek help to understand your options and rights before agreeing to settle.

If 855-465-0219 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-465-0219 is a collection company, you can potentially remove it from your credit report by following these steps. First, validate if the debt is legitimate by requesting written confirmation from the collection agency. If there are any inaccuracies, send a written dispute 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 provide 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 strategy. 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 approach.

Keep detailed written records showing your efforts to resolve the disputed collection account. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 855-465-0219?

People have left mixed feedback about the phone number 855-465-0219. Some users have identified it as a robocall, while others recognize it as BGE (Baltimore Gas and Electric) making courtesy calls about bill payments. Nomorobo, a robocall blocking service, has blocked the number and categorized it as a robocall. BGE has published a fraud warning, cautioning customers about imposters and scams. Robokiller, another service that blocks spam calls, has labeled the number as having a positive user reputation and analytics, but no comments or user reports are available on their website. The phone number is most frequently searched in the 855 area code on Conversations Recherches, a French website that provides information about phone numbers. Ultimately, it is essential to be cautious when receiving calls from unknown numbers and report suspicious calls to the appropriate authorities.