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What Company Is Calling Me From 9132847813 And Why Are They Calling? Are They A Debt Collector?

1-913-284-7813 is associated with Kansas Counselors Inc (KCI), a debt collection agency based in Lenexa, Kansas. KCI specializes in collecting healthcare, government, and utility debts. This information is supported by various online platforms and consumer complaints. It is important to note that some consumers have reported aggressive tactics, calls about incorrect debts, and false threats of legal action from KCI. If you receive calls from 1-913-284-7813 regarding a debt you don’t recognize or believe is invalid, it is recommended not to provide payment information and consult with a consumer rights lawyer. Protecting your rights and seeking appropriate legal guidance is crucial in these situations.

To ensure a comprehensive understanding of your credit situation and address any potential issues, it may be helpful to pull a 3-bureau credit report using a reliable service like IdentityIQ. By obtaining this report, you can have a better understanding of your credit history and any outstanding debts. This can help you navigate conversations with debt collectors and make informed decisions about your financial future. Remember, it is important to know your rights when dealing with debt collectors, and seeking legal advice can provide valuable guidance.

How Can I Block Or Stop Calls From 9132847813?

If you’re getting calls from the number 9132847813 and want to block them, here’s what you can do. First, if you’re not sure who’s calling, let the calls go to voicemail and avoid answering them directly. Debt collectors often leave messages about collecting a debt, so this can help you identify if it’s a debt collector.

To block future calls, reach out to your phone carrier and ask them to permanently block the number. You can also use call-blocking apps like Nomorobo or Hiya to automatically block and filter out the number. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

If you want to take more formal action, send a cease and desist letter via certified mail, demanding no further calls. Check if your state has additional laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice. If so, include those rights in your cease and desist letter. Keep detailed records of all calls as evidence of harassment if you’re considering legal action.

Consider seeking help from a non-profit credit counselor to address any underlying debt and negotiate a resolution. If the collector violates regulations, consult with a consumer protection attorney about your rights and the possibility of lawsuits. Lastly, make sure to monitor your voicemails for any messages from the identified collector.

By following these steps, you can block or stop calls from the number 9132847813 while also addressing any outstanding debts and protecting your rights.

What Are My Rights As A Consumer Regarding Calls From 9132847813 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have certain rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to debt collection calls. If you’re being contacted by the number 9132847813, it’s important to note any potential violations of the FDCPA. Keep a record of all calls, including the date, time, frequency, phone number, and any abusive or threatening language used.

If these calls are happening outside the allowed hours of 8am – 9pm in your time zone, this may be a violation. You can assert your rights by revoking any prior consent you’ve given to be contacted outside normal hours in writing. You can also request that they stop contacting you at your workplace if your employer prohibits such calls. Sending a cease and desist letter via certified mail, demanding no further contact by phone, can be helpful in asserting your rights.

If you believe that the debt collector is violating the FDCPA, it’s important to report the violations along with your documentation to the Consumer Financial Protection Bureau. You may also want to consult with a consumer protection attorney who can provide guidance on your specific rights and options. Your state Attorney General’s office can offer assistance as well if you believe FDCPA violations have occurred. Consider seeking advice from a credit counselor who has experience in dealing with debt collection calls.

Remember to keep detailed records and assert your rights as a consumer to prevent further harassment from debt collectors while adhering to the FDCPA.

If The Company From 9132847813 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 9132847813 is a debt collector, you can validate the debt by sending a written request for validation. Make sure to follow the requirements stated in the FDCPA. Take the time to review the validation carefully and dispute any inaccurate or unfamiliar information in writing. This will help in getting those items removed from your credit report.

Once the debt has been validated, you have a few options for dealing with it. One option is to negotiate a lump-sum settlement or a payment installment plan. It’s important to do this in writing before making any payments. Another option is to offer a partial payment of 30-50% of the balance, if it’s affordable for you. Along with the payment, you can request the deletion of the debt from your credit report.

In addition, you can assert your rights under the FDCPA if the debt collector violates any regulations during the collection process. Seeking guidance from a non-profit credit counseling agency can help you with negotiating debt resolution. If necessary, consult an attorney to explore the possibility of bankruptcy or legal action against the debt collector. Keep meticulous records of all communication and calls for potential complaints, and consider revoking any previous permission given to contact you outside of FDCPA guidelines. Remember to never ignore a potential debt collector and use your consumer rights to ensure a fair outcome.

Can The Company From 9132847813 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you receive a call from the company at 9132847813 and they are a debt collector, it is possible that they could take legal action against you to collect the debt. This could include suing you and potentially garnishing your wages or bank accounts if they obtain a court judgment. To avoid this, it is advisable to negotiate a payment plan that you can afford and get the agreement in writing to demonstrate your willingness to pay.

If you are unable to make payments, you can assert your inability to pay and request that the debt collector cease contact with you. Seeking guidance from a non-profit credit counselor or hiring a consumer law attorney can also help you understand your rights and protections under the law. It is important to keep thorough documentation of all communication and efforts made to address the debt.

Before agreeing to settle, carefully evaluate whether the proposed payment plan is realistically affordable within your budget. Make sure to have any settlement terms or agreements in writing before making any payments. Keep in mind that even if you settle, the collector can still sue you if you default on the settlement. Settling for an amount that you cannot afford may have long-term financial consequences. It is crucial to seek assistance and fully understand your options and rights before making any decisions.

If 9132847813 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 9132847813 is a collection company on your credit report, the first step is to request written confirmation to validate the legitimacy of the debt. Carefully review the validation to ensure that all personal details and debt information are accurate. If you find any inaccuracies, write a dispute letter to the collection agency stating that the debt is incorrect according to the Fair Credit Reporting Act. Request the removal of the collection tradeline from your credit file.

In the event that the collector verifies the debt as valid, there are several options you can explore to potentially remove it. One option is to negotiate a pay-for-delete agreement with the collection agency and ensure that it is documented in writing. Another option is offering a good faith partial settlement payment with a request for deletion. If you prefer assistance, you can consider hiring a credit repair service to help you dispute the debt on your behalf.

Alternatively, you can choose to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. Another avenue is to file a complaint with the Consumer Financial Protection Bureau if you believe there have been violations in your case. Additionally, consulting a consumer law attorney can help you explore legal actions for removal and potential damages.

Throughout this process, it is crucial to maintain detailed written records of all your efforts to resolve the disputed collection account. By actively validating debts, negotiating with collectors, and asserting your rights, you can increase your chances of removing collections from your credit report through persistence and proper documentation.