855-962-1153

What Company Is Calling Me From 855-962-1153? Are They A Scam And Why Are They Calling Me?

First, find out who is calling from the number 855-962-1153. It could be Cawley Bergmann or Coley Bergman, a debt collection agency. These companies collect outstanding debts for their clients. However, be cautious, as there are mixed reports about whether this number is a scam or not. To protect yourself, ensure you verify the legitimacy of the call before giving any personal or financial information. Remember, it’s always best to be cautious when dealing with unknown callers and phone numbers.

How Can I Block Or Stop Calls From 855-962-1153?

If you receive calls from an unrecognized number that could be a debt collector, take the following steps: Identify if it is a debt collector by letting unknown calls go to voicemail and not answering directly. Once identified as a collector, block further calls by contacting your phone carrier to permanently block the number, utilizing call blocking apps like Nomorobo or Hiya, or setting contacts not in your address book to go straight to voicemail or be blocked.

Formally request no further contact by sending 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 and 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 or speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 855-962-1153 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, take note of any calls you receive from the number 855-962-1153, including the date, time, frequency, and details. Make sure the calls aren’t outside of allowed hours (8am – 9pm in your time zone) or if they repeatedly call over a short period. Document any abusive, threatening, or obscene language used during the calls.

Next, assert your rights by revoking any prior consent given for calls outside of normal hours, requesting no further contact at your workplace if prohibited, and sending a cease and desist letter via certified mail. You can also verbally request the collector to stop calling during any conversation.

If you believe there are violations of the FDCPA, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance on FDCPA violations. Lastly, ask a credit counselor for advice on addressing the debt without incurring further collection calls.

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

If 855-962-1153 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you suspect that 855-962-1153 is a debt collector, follow these steps to validate the debt and understand your options:

1. Request written validation of the debt by sending a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

2. Carefully review the validation for accuracy. Check 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 the debt is validated, consider the following 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, and request deletion from your credit report in exchange.

3. Formally assert your rights under the FDCPA if the collector violates 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.

Always engage with debt collectors and verify the debt’s legitimacy. Exercise your consumer rights under federal and state law to find the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 855-962-1153 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-962-1153 is a debt collector trying to recover a legitimate debt, they could potentially sue you and garnish your wages if they obtain a court judgment. To avoid legal action, consider negotiating affordable payments, asserting your inability to pay, and requesting they cease contact. Alternatively, you can seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy.

Before settling with the debt collector, ensure the payment plan is affordable, get any settlement terms in writing, and be aware that they can still sue if you default on the settlement. Settling may make sense to avoid legal action, but make sure you can maintain the payments. Seek assistance to understand your options and rights before making any decisions.

If 855-962-1153 Is A Collection Company, How Can I Remove It From My Credit Report?

If 855-962-1153 is a collection company, it is essential to verify the legitimacy of the debt they claim. To remove it from your credit report, follow these steps:

1. Request written confirmation from the collection agency regarding the debt, ensuring the details provided are accurate, including your personal information and the debt amount.
2. If any information is incorrect, send a written dispute to the collection agency, stating that the debt is inaccurate according to the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.
3. 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.
4. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.
5. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
6. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
7. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.
8. Keep detailed written records showing your efforts to resolve the disputed collection account.

Always prioritize validating the debt’s legitimacy before taking action to remove it from your credit report.

What Feedback And Comments Do People Leave About 855-962-1153?

Many people have left feedback and comments about the phone number 855-962-1153, often linking it to a debt collection agency called Cawley Bergmann. Users report receiving numerous calls from this number, sometimes daily, with some calls being silent or without any message. Automated systems or robocalls are also mentioned. While some users suspect scams, there are no specific reports of fraudulent activities. The phone number is generally considered spam due to its frequency and use of automated systems. It is essential to exercise caution and verify the legitimacy of the calls before sharing any personal or financial information.