855-527-8272

What Company Is Calling Me From 855-527-8272? Are They A Scam And Why Are They Calling Me?

The phone number 855-527-8272 is associated with Curtwright Klein, LLC, a debt collection agency in Amherst, NY. It has been reported that this number may be used in scam calls, pretending to be from Social Security or another government agency. Be cautious and do not give sensitive information over the phone unless you have initiated the call and are certain of the caller’s identity. If unsure, hang up and call the official phone number of the agency to verify. Curtwright Klein, LLC has faced complaints and lawsuits for alleged violations of the Fair Debt Collection Practices Act (FDCPA), which protects consumers from harassing, false, or misleading practices by debt collectors. If you believe your rights have been violated, consult a consumer protection attorney for legal options.

How Can I Block Or Stop Calls From 855-527-8272?

If you’re receiving calls from 855-527-8272, linked to Curtwright Klein, LLC, a debt collection agency, it’s crucial to determine if it’s a debt collector and take the necessary steps to stop the calls. First, let unknown calls go to voicemail and don’t answer them directly. Debt collectors may leave messages stating they are attempting to collect a debt. Next, contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account. Use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Once you’ve identified the calls as coming from a debt collector, you can take further action. 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 and 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.

Get help addressing the underlying debt by consulting 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. However, taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-527-8272 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from 855-527-8272, it’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). This law protects consumers from harassment and abuse during debt collection efforts.

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

To assert your rights, revoke any prior consent for calls outside regular hours, request them to stop calling at your workplace, send a cease and desist letter, or verbally ask them to stop calling during a conversation.

If you believe there have been violations, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. You can also seek advice from a credit counselor on addressing the debt without further collection calls.

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

If 855-527-8272 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 855-527-8272 is a debt collector, you can validate the debt and explore your options by following these steps:

1. 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.
2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider these options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable. Request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if they violate regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. 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 the FDCPA before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 855-527-8272 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-527-8272 is a debt collector, they have the legal right to sue you for the outstanding debt. If they win the lawsuit, your wages or bank accounts may be garnished. To avoid such actions, you can negotiate an affordable payment plan, assert your inability to pay and request they stop contacting you, seek help from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if your debts are unmanageable.

Before settling, make sure the proposed payment plan is affordable based on your budget, get any settlement terms in writing, be aware that the collector can still sue if you default on a settlement, and avoid settling for a lump sum you can’t afford, as it could cause long-term financial harm. Always seek guidance to understand your options and rights before making any decisions.

If 855-527-8272 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-527-8272 is a collection company, you can remove it from your credit report by following these steps:

1. First, validate if the debt is legitimate by requesting written confirmation from the collection agency.
2. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act (FCRA).
3. If the collector verifies the debt is valid, consider these active steps to potentially remove it:

a. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
b. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
c. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
d. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
e. File a complaint with the Consumer Financial Protection Bureau (CFPB) if the collector violates laws and refuses to remove inaccurate information.
f. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
g. Keep detailed written records showing your efforts to resolve the disputed collection account.

4. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 855-527-8272?

People who have received calls from 855-527-8272 have reported it as a scam. The pre-recorded messages claim to have personal information and instruct recipients to press a button or call back. JTM Capital Management, associated with this number, has faced over 30 lawsuits for consumer rights violations and FDCPA violations. To protect yourself, identify the debt collector, block the number, consult a consumer protection attorney if FDCPA violations occur, assert your rights under the FDCPA, seek assistance from the CFPB, attorney, or state attorney general’s office, request debt validation and negotiate a settlement or payment plan, understand the consequences of unpaid debt and consider bankruptcy, validate the debt legitimacy, dispute inaccuracies, and negotiate a pay-for-delete agreement, and be cautious of scam calls, report them to authorities, and maintain detailed records.