855-748-6719

What Company Is Calling Me From 855-748-6719? Are They A Scam And Why Are They Calling Me?

The company calling you from 855-748-6719 is Southwest Credit Systems Inc., a debt collection agency. They are likely contacting you to collect a debt you owe. While some people have claimed they are a scam, they are a legitimate organization. Debt collectors, including Southwest Credit Systems Inc., often use assertive techniques to recover debts. If you think they are violating your rights under the Fair Debt Collection Practices Act, you may be eligible for compensation. To stop receiving calls, compose a cease and desist letter, file a complaint with the Consumer Financial Protection Bureau or your state Attorney General’s office, check your credit report for errors, and consider engaging a credit repair company.

How Can I Block Or Stop Calls From 855-748-6719?

To block or stop calls from 855-748-6719, first determine if it’s a debt collector by letting unknown calls go to voicemail. If it is, contact your phone carrier to block the number or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, send a cease and desist letter via certified mail, demanding the collector to stop calling. Check if your state has additional laws prohibiting collection calls without written notice and use those rights in your letter. Keep records of all calls to demonstrate a pattern of harassment if considering legal action.

Lastly, address any outstanding debts by consulting a non-profit credit counselor to help negotiate a resolution. If the collector violates regulations, speak to a consumer protection attorney about your rights and potential lawsuits. Blocking calls won’t eliminate any legitimate debts, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-748-6719 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair, abusive, or deceptive debt collection practices. If you receive a call from 855-748-6719, you have rights as a consumer. To determine if the number is violating the FDCPA, note the details of each call, such as date, time, frequency, and content.

If the collector calls outside of the allowed hours (8am-9pm in your time zone), repeatedly, or uses abusive language, they may be in violation of the FDCPA. To assert your rights, revoke any prior consent given for calls outside normal hours, request they cease contact at your workplace if prohibited, and send a cease and desist letter via certified mail.

If the calls continue, contact the Consumer Financial Protection Bureau to open an investigation, consult with a consumer protection attorney, or reach out to your state Attorney General’s office for guidance. Furthermore, you can seek help from an experienced credit counselor to address the debt without further collection calls.

Adhering to the FDCPA is mandatory for any collector contacting you, and keeping detailed records will help you assert your rights and prevent further harassment from debt collectors.

If 855-748-6719 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 855-748-6719 is a debt collector, the first step is to validate the debt by sending a debt validation letter, requesting written proof of the debt, and reviewing the details for accuracy. If there are any errors or discrepancies, dispute them in writing and request removal from your credit report.

Once the debt is validated, consider the following options:

1. Negotiate a settlement or payment plan with the collector in writing, offering 30-50% of the balance as a lump sum or installment plan if affordable. Request deletion from your credit report in exchange.
2. Assert your rights under the FDCPA if the collector violates regulations.
3. Consult a non-profit credit counseling agency for guidance on debt resolution.
4. Seek legal advice from an attorney to explore bankruptcy or other legal actions.
5. Keep detailed records of all correspondence and calls for potential complaints.
6. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines.

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 855-748-6719 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is pursuing you for a legitimate debt, they can potentially sue you and garnish your wages if they obtain a court judgment. To avoid legal action, try negotiating an affordable payment plan, assert your inability to pay, and request they stop contacting you. Alternatively, you can seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling, make sure you can realistically afford the proposed payment plan and get any settlement terms in writing before making payments. Be aware that the collector can still sue if you default on a settlement. It’s crucial to understand your options and rights before agreeing to any settlement.

If 855-748-6719 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-748-6719 is a collection company, you can remove it from your credit report by following these steps:

1. First, confirm if the debt is legitimate by requesting written proof from the collection agency. Review the validation carefully and ensure the debt information is accurate.

2. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

3. If the collector verifies the debt is valid, consider these active steps to potentially remove it:
– Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
– Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
– Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
– Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
– File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
– 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.

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. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 855-748-6719?

People have left feedback and comments about 855-748-6719, a phone number associated with Southwest Credit Systems Inc., a debt collection agency. These comments include reports of spam calls, negative user reputation as a robocall, and recommendations to use the Fair Debt Collection Practices Act (FDCPA) to stop the calls if they are abusive, unfair, or deceptive. To handle such situations, a credit repair company is advised to be contacted for assistance in stopping the calls.

Ultimately, it is crucial to ensure your rights under the FDCPA are respected and to take action to stop unwanted calls. To do so, you can send a cease and desist letter, file a complaint, and consult a credit repair company. It is also essential to identify if the unknown number is a debt collector, block the number, and maintain detailed records. If the debt is legitimate, request debt validation, negotiate a settlement or payment plan, and consider consulting an attorney if necessary.

In a nutshell, validating debt legitimacy, negotiating pay-for-delete agreements, and waiting for the collection to fall off the report are other important steps to take. Moreover, reporting spam calls and negative user reputation helps protect yourself and seek assistance from a credit repair company.