8553197312

What Company Is Calling Me From 8553197312 And Why Are They Calling? Are They A Debt Collector?

If you’re receiving calls from 8553197312, it’s likely that the calls are from a debt collection agency called Harris & Harris. They are known for their harassment tactics and often target individuals for debts they don’t owe. It’s important to be cautious when dealing with debt collectors and avoid giving out sensitive personal or financial information over the phone without verifying the caller’s legitimacy.

Debt collection agencies often try to collect on debts that may not actually belong to you or have already been paid off. If you receive a call from Harris & Harris or any other debt collector, it’s recommended to ask for written validation of the debt. You have the right to dispute the debt if you believe it isn’t yours or if you have already resolved it.

If the collector is calling at inappropriate times or engaging in harassment, you should ask them to stop contacting you. Make sure to report any illegal practices or false threats to the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). If you have concerns about the debt, seeking guidance from an attorney or credit counselor can be helpful.

In summary, it seems that the calls from 8553197312 are most likely from Harris & Harris, a debt collection agency with a reputation for harassment. Remember not to disclose any personal or financial information over the phone until you’ve confirmed the caller’s legitimacy. Disputed debts should be handled in writing, and instances of harassment or illegal practices should be reported. Seeking legal

How Can I Block Or Stop Calls From 8553197312?

If you are receiving calls from the number 8553197312 and want to block or stop these calls, follow these steps. First, let unknown calls go to voicemail and avoid direct engagement to determine if they are from a debt collector. Once identified, 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.

To formally request no further contact, send a cease and desist letter via certified mail demanding that the collector stops calling you. Also, check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice and mention those rights in your cease and desist letter. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

It is also recommended to seek help addressing any underlying debt. Consult a non-profit credit counselor who can assist in negotiating resolution of the debt. If the collector violates regulations, consider speaking to a consumer protection attorney regarding your rights and potential lawsuits. Finally, regularly check voicemails to monitor messages from an identified collector as blocking calls does not eliminate legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 8553197312 And Are They Violating The Fair Debt Collection Practices Act?

When it comes to calls from the number 8553197312, as a consumer, you have certain rights under the Fair Debt Collection Practices Act (FDCPA). To determine if the caller is violating the FDCPA, make sure to document important details like the date, time, frequency, and phone number of each call. It’s crucial to note if they are calling outside the allowed hours of 8am – 9pm in your time zone, unless you have given consent for different hours. Keep track of repeated calls within a short period and any instances of abusive or threatening language used during the calls.

To protect your rights, the first step is to revoke any prior consent given to call outside normal hours by providing a written request. If your workplace prohibits collection calls, formally ask them to stop contacting you there. You can send a certified mail cease and desist letter, instructing the caller to stop contacting you by phone. Moreover, during any conversation with them, verbally request that they cease their phone calls.

If you require further assistance, report any violations to the Consumer Financial Protection Bureau along with your documented evidence to initiate an investigation. It may also be helpful to consult with a consumer protection attorney who can provide guidance on your specific rights and options. They can advise you on whether taking legal action for damages is a possibility. For additional guidance, reach out to your state Attorney General’s office if you suspect FDCPA violations have occurred. Lastly, consider speaking with

If Company From 8553197312 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from the number 8553197312 is a debt collector, you have options to validate the debt and address it effectively. To start, submit a formal request for written validation of the debt by sending a debt validation letter, as mandated by the FDCPA. Thoroughly review the validation to confirm the accuracy of personal details, creditor name, account number, and amount owed. Should you identify any incorrect or unrecognized information, dispute it in writing and demand removal from your credit report.

Once the debt has been validated, consider these potential resolutions. You can negotiate a reasonable lump-sum settlement or establish a written payment installment plan before making any payments. If feasible, offer a partial payment ranging from 30-50% of the balance and request removal from your credit report in return. If the collector violates regulations during the collection process, assert your rights under the FDCPA. Seek assistance from a non-profit credit counseling agency to guide you through negotiating debt resolution. Additionally, consulting an attorney can provide clarity on whether bankruptcy or legal action against the collector are viable options.

Maintain meticulous records of all correspondence and calls throughout this process in case you need to file complaints later. Also, withdraw any prior verbal or written consent allowing them to contact you outside FDCPA guidelines. Remember, it is crucial never to ignore a possible debt collector and always verify the validity of the debt before deciding on the most appropriate course of action. Seeking help from professionals ensures you receive a fair

Can The Company From 8553197312 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8553197312 is a debt collector and the debt is legitimate, they have the potential to sue you and possibly garnish your wages or bank accounts. To avoid legal action, there are steps you can take. First, try negotiating affordable lump-sum or installment payments with the debt collector and document these agreements in writing. You can also assert your inability to pay and request that the collector stop contacting you, though this may not prevent a lawsuit entirely. Seek guidance from a non-profit credit counselor or a consumer law attorney who can help you understand your protections under the Fair Debt Collection Practices Act (FDCPA) and state law. Additionally, if your debts are overwhelming, consider discussing bankruptcy with an attorney.

When considering a settlement offer, carefully evaluate its affordability based on your budget. Get any settlement terms or agreements in writing before making payments. Keep in mind that defaulting on a settlement can still lead to a lawsuit. Settling for a lump sum that you can’t afford may cause more long-term financial harm.

In conclusion, settling often makes sense to avoid legal action, but it’s crucial to only agree to payments that you realistically can maintain. Seek assistance from professionals who can help you understand your options and rights before making any decisions.

If 8553197312 Is A Collection Company, How Can I Get It Removed From My Credit Report?

To remove the collection company 8553197312 from your credit report, you should first validate the debt’s legitimacy. Request written confirmation from the collection agency and carefully review it for accuracy. If any information is incorrect, send a written dispute stating that the debt is inaccurate according to the Fair Credit Reporting Act and demand the removal of the collection tradeline from your credit file.

If the collector verifies the debt as valid, you have a few options to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing. This involves settling the debt in exchange for its removal. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although there’s no guarantee of removal without a formal agreement.

You can also consider hiring a credit repair service to formally dispute the debt on your behalf and provide legal resources to help with its removal. Alternatively, you can wait for the 7-year credit reporting time limit, after which the collection should automatically fall off your report. If the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. Lastly, consulting a consumer law attorney can help review if laws were broken, enabling you to sue for removal and damages.

Throughout this process, remember to keep detailed written records of your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can persistently work towards removing collections from your credit