855-952-6444

What Company Is Calling Me From 855-952-6444? Are They A Scam And Why Are They Calling Me?

The company calling from 855-952-6444 is a scam associated with a mortgage scam targeting new homeowners. They use publicly available information to obtain personal details. The number is not affiliated with United Fidelity Bank or any financial institution. Legitimate financial institutions will not contact customers via postcard for mortgage-related matters. Always verify a company’s legitimacy before providing personal information.

To ensure your safety and protect your personal information, avoid answering calls from unknown numbers and consider blocking the number. If the call persists, send a cease and desist letter and consult a non-profit credit counselor or attorney for assistance. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) protections for consumers and document any potential violations.

Request debt validation and verify its accuracy, negotiating a settlement or installment plan as needed. Exercise your consumer rights under the FDCPA and state laws, and consult professionals for guidance and potential complaints. By following these steps, you can help protect yourself from scams and unscrupulous companies.

How Can I Block Or Stop Calls From 855-952-6444?

First, figure out if the calls are from a debt collector. To do this, don’t answer the call and let it go to voicemail. If the message says they’re trying to collect a debt, it’s likely a debt collector.

Next, take action to block these calls. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Additionally, formally request that the collector cease calling you. Send a cease and desist letter via certified mail, demanding they stop calling. If your state has additional laws that prohibit collection calls without written notice, include these in your letter. Keep detailed records of all calls to show a pattern of harassment if considering legal action.

Lastly, get help addressing any outstanding debt by consulting a non-profit credit counselor to negotiate a resolution. You may also want to speak with a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls doesn’t eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-952-6444 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 855-952-6444 might be violating the Fair Debt Collection Practices Act (FDCPA), which outlines specific rules for debt collectors. As a consumer, you have rights when it comes to dealing with debt collectors. To document any potential FDCPA violations, make note of the date, time, frequency, phone number, and details of all calls. Keep track of any calls made outside the allowed hours of 8am-9pm in your time zone, and any abusive, threatening, or obscene language used during the calls.

To assert your rights, you can revoke any prior consent given to call outside normal hours in writing. Request that the collector cease contacting you at your workplace if it is prohibited by your employer. You can also send a cease and desist letter via certified mail, demanding no further contact by phone. During any conversation, verbally request the collector to stop calling.

If you need assistance, report any violations with documentation to the Consumer Financial Protection Bureau to initiate an investigation. Consult a consumer protection attorney to discuss your specific rights and options, including suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. You can also ask a credit counselor for advice on addressing the debt without facing further collection calls.

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

If 855-952-6444 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 855-952-6444 is a debt collector, your first step should be to validate the debt. To do this, send a debt validation letter by mail, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation, checking for accuracy in your personal details, the creditor’s name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider your options. You can negotiate a lump-sum settlement or payment installment plan, offer a partial payment of 30-50% of the balance in exchange for deletion from your credit report, or assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on debt resolution, or contact an attorney to explore bankruptcy or legal action against the collector.

Maintain detailed records of all correspondence and calls, and revoke any prior verbal or written permission given to the collector if they contact you outside FDCPA guidelines. Remember, never ignore a potential debt collector, and always exercise your consumer rights under federal and state law to ensure a fair outcome. Seek professional help when necessary to protect your best interests.

Can 855-952-6444 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is legitimate, they have the right to sue you and potentially garnish your wages to recover the owed amount. To avoid legal action, you can:

1. Negotiate affordable lump-sum or installment payments in writing, showing good faith effort to pay.
2. Assert your inability to pay and request them to cease contact, although they may 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 rights under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy if debts are overwhelming; consult an attorney to discuss if it’s appropriate.
6. Thoroughly document all calls, letters, and efforts to address the debt for a clear record.

Before settling, consider:

1. Ensuring the proposed payment plan is realistically affordable based on your budget.
2. Getting any settlement terms or agreements in writing before making payments.
3. Understanding that 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.

Seek assistance to understand your options and rights before agreeing to any settlement.

If 855-952-6444 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-952-6444 is a collection company, you can follow these steps to potentially remove it from your credit report:

1. Start by validating 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 are accurate.
3. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.
4. If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal, offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill, hiring a credit repair service to formally dispute the debt on your behalf, waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report, filing a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
5. Keep detailed written records showing your efforts to resolve the disputed collection account.

Remember, it’s essential to first verify the debt’s legitimacy before taking action. Proactive validation, negotiation, and asserting your rights can help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 855-952-6444?

When looking for feedback and comments about 855-952-6444, you’ll find that many people have left warnings about a mortgage scam. The phone number is associated with scammers who target new homeowners with false claims about mortgage protection. They use various company names with poor ratings from the Better Business Bureau.

To avoid falling victim to this scam, homeowners should refrain from calling the number and be cautious of unsolicited communications about mortgage protection. Always verify the legitimacy of a company before providing any personal information. Additionally, if you suspect a debt collector is violating the FDCPA, document the potential violations and consult professionals for guidance and potential complaints.

In essence, 855-952-6444 is a scam number that targets new homeowners with false claims about mortgage protection. Homeowners should avoid calling the number and be cautious of unsolicited communications about mortgage protection.