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What Company Is Calling Me From 8553368438 And Why Are They Calling? Are They A Debt Collector?

If you received a call from 855-336-8438, it is likely from a debt collection agency called SRS and Associates Inc. They have been in business since 2005 and are located in Vineland, New Jersey. Their main purpose is to contact individuals regarding outstanding debts and collect payment. It’s essential to know that SRS and Associates is not a law firm but a regular collection agency.

Some people have reported experiencing harassment and aggressive tactics from SRS and Associates. They might also use other business names like “Superior Recovery Services” when making calls. The Better Business Bureau has received over 160 complaints against SRS and Associates, including issues related to harassment and failure to verify debts.

If you’re worried about your debts or want to verify the accuracy of the information provided by SRS and Associates, obtaining a three-bureau credit report might be helpful. A service like IdentityIQ can provide you with a comprehensive credit report from all three major credit bureaus. This will allow you to review your debts and ensure their legitimacy.

How Can I Block Or Stop Calls From 8553368438?

If you’re looking to block or stop calls from the number 8553368438, here’s what you can do.

To begin with, identify if the calls are coming from a debt collector. Simply let unknown calls go to voicemail and avoid answering them directly. Debt collectors often leave messages stating their intention to collect a debt, which can help you confirm their identity.

Once you’ve confirmed that the calls are from a debt collector, take action to block further calls. Contact your phone carrier and ask them to permanently block the number. Most major carriers offer call blocking options through customer support or online accounts. Additionally, you can use call blocking apps like Nomorobo or Hiya, which automatically filter and block incoming calls at the network level. On smartphones, you can also 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 to the debt collector. This letter demands that they stop calling you. Keep detailed records of all calls to demonstrate a pattern of harassment, in case you decide to take legal action.

Lastly, seek help in addressing any underlying debt. Consult a non-profit credit counselor who can assist you in negotiating a resolution with the debt collector. If the collector violates any regulations, consider speaking to a consumer protection attorney. You may have rights and potential recourse through legal action. Remember to regularly check your voicemails for any messages from the identified collector.

What Are My Rights As A Consumer Regarding Calls From 8553368438 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), you have certain rights as a consumer regarding calls from 8553368438. To protect yourself, make sure to document any potential violations by recording the date, time, frequency, phone number, and details of each call. If they call outside the permitted hours of 8am – 9pm in your time zone without your consent, it may be a violation.

If the calls become excessive, occurring more than 2-3 times per week over a brief period, or if they involve abusive, threatening, or obscene language, these actions may also violate the FDCPA. To assert your rights, you can revoke any consent you previously gave for them to call outside normal hours by sending a written request. You can also request that they stop contacting you at your workplace if it is prohibited by your employer. Another option is to send a cease and desist letter via certified mail, demanding no further contact by phone. Additionally, you can verbally ask them to stop calling during any conversation.

If you believe there have been FDCPA violations, report them to the Consumer Financial Protection Bureau along with the documentation you have gathered. It is advisable to consult with a consumer protection attorney for guidance on your specific rights and options, which may include the possibility of suing for damages. For further guidance, you can also reach out to your state Attorney General’s office. To address the debt without experiencing more collection calls, consider seeking advice

If Company From 8553368438 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company from 8553368438 is a debt collector, you can take steps to validate the debt and handle it properly. Begin by sending a debt validation letter to the collector, who must provide written validation according to the Fair Debt Collection Practices Act (FDCPA). Review the validation carefully for accuracy, checking your personal information, creditor name, account number, and amount owed. If you discover any incorrect or unfamiliar details, dispute them in writing and ask for removal from your credit report.

Once the debt has been validated, you have options for managing it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. Consider offering a partial payment of 30-50% of the balance if it is affordable and request that the debt be deleted from your credit report in return. If the debt collector violates FDCPA regulations during the collection process, you can assert your rights under this law. Non-profit credit counseling agencies can provide guidance on negotiating debt resolution, while consulting an attorney can help you explore options such as bankruptcy or legal action against the collector.

To ensure a fair outcome, it is crucial to keep detailed records of all communication and calls related to the debt. Additionally, it is important to revoke any prior permission, whether spoken or written, that allowed the collector to contact you outside of FDCPA guidelines. Remember to seek assistance from professionals throughout this process to fully understand your rights and choices. By taking these steps

Can The Company From 8553368438 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 8553368438 is indeed a debt collector and the debt is valid, they have the power to sue you and potentially garnish your wages or bank accounts. To prevent this, you can negotiate with the debt collector to establish manageable payment options. Ensure that any agreements are obtained in writing to demonstrate your commitment to repaying the debt. You can also inform the collector of your inability to pay and request that they stop contacting you, although this does not guarantee legal action won’t proceed. Seeking advice from a non-profit credit counselor or consumer law attorney can provide valuable assistance in understanding your rights and navigating this situation.

Before settling, carefully evaluate the terms of the proposed payment plan and ensure it aligns realistically with your budget. Obtain written confirmation of any settlement terms before making any payments. Remember that even if you settle, the debt collector may still sue you if you fail to meet the settlement requirements. Avoid agreeing to a lump sum payment that you cannot afford, as it may have long-term financial consequences.

In conclusion, settling with the company from 8553368438 is often advisable to avoid further legal actions. Nevertheless, it is vital to fully comprehend your options and rights before accepting any payment arrangements. Seek support from professionals who can offer personalized guidance and help you make well-informed decisions based on your specific circumstances.

If 8553368438 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect 8553368438 is a collection company, the first step is to validate the debt by requesting written confirmation. Carefully review the validation to ensure accuracy of personal details and debt information. If you find any inaccuracies, send a written dispute to the collection agency stating that the debt is incorrect as per the Fair Credit Reporting Act. You should also demand removal of the collection tradeline from your credit file.

If the debt is verified as valid, there are several options you can explore to potentially remove it:

1. Negotiate a pay-for-delete agreement with the collection agency in writing. This involves settling the debt in exchange for them removing it from your credit report. Be sure to make a lump-sum settlement payment for a better chance of success.

2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, keep in mind that without a formal agreement, removal is not guaranteed.

3. Consider hiring a reputable credit repair service to handle the dispute on your behalf. They can assist in formally disputing the debt and provide legal resources to help with removal.

4. Patiently wait until the 7-year credit reporting time limit for the collection to automatically fall off your report.

5. If the collector violates laws or refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau.

6. Consult with a consumer law attorney to assess if the collector has broken any laws. This may give you grounds to sue for removal

You must check your credit report

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