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What Company Is Calling Me From 9133129487 And Why Are They Calling? Are They A Debt Collector?

If you’ve been receiving calls from 913-312-9487, it’s likely that Comenity Bank, a debt collection agency, is reaching out to you. They are a legitimate company that specializes in collecting outstanding debts from creditors and original lenders. The purpose of their call is to address a genuine debt that you owe.

To handle this situation, it’s crucial to confirm the legitimacy of the debt and ensure that it truly belongs to you. If it does, you have the option to negotiate a settlement or set up a payment plan with Comenity Bank in order to resolve the debt. However, if the debt falls beyond your state’s statute of limitations, you may not be legally obligated to pay it. Consulting a consumer lawyer can provide you with further guidance and alternative options.

Keep in mind that you have the right to request in writing that Comenity Bank stops contacting you. However, it’s important to note that they still have the possibility of reporting the debt to credit bureaus, which can have an impact on your credit score. To stay informed about your credit standing, consider pulling a 3 bureau credit report through IdentityIQ, a trusted solution for monitoring your credit.

How Can I Block Or Stop Calls From 9133129487?

If you suspect that calls from the number 9133129487 may be from a debt collector, there are steps you can take to block or stop these calls. First, let unknown calls go to voicemail so that you can listen to any messages left by debt collectors regarding debt collection attempts. Avoid answering unknown calls directly to avoid engaging with potential collectors.

Once you have confirmed that the caller is a debt collector, there are a few methods to block further calls. Contact your phone carrier to permanently block the number as they often offer call blocking services through customer support or your online account. You can also use call blocking apps such as Nomorobo or Hiya, which automatically filter out unwanted numbers at the network level. For smartphones, you can set contacts not in your address book to go straight to voicemail or be blocked.

To formally request no further contact from the debt collector, you can send a cease and desist letter via certified mail. This letter demands that the collector stops calling you. Keep detailed records of all calls to demonstrate a pattern of harassment if you are considering legal action. Additionally, seek help from a non-profit credit counselor to negotiate resolution of the debt or consult a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Remember that blocking calls does not eliminate any legitimate debts owed. However, by taking these proactive steps, you can stop harassment while addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 9133129487 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights regarding calls from 9133129487 under the Fair Debt Collection Practices Act (FDCPA). To determine if they are violating this act, make sure to keep detailed records of potential violations such as the date, time, frequency, phone number, and details of each call. Violations may include calling outside the allowed hours of 8am to 9pm in your time zone without your consent, repeatedly calling over a short period, or using abusive language.

To assert your rights, first, you have the option to revoke any prior consent given to be called outside normal hours by providing a written notice. Additionally, you can request that they stop contacting you at your workplace if it is prohibited by your employer. Sending a cease and desist letter through certified mail, demanding no further contact by phone, is another effective solution. During any conversation, you can also verbally request that they stop calling you.

If you believe there have been violations of the FDCPA, it is important to report them to the Consumer Financial Protection Bureau along with your documentation. This will initiate an investigation into the matter. Seeking guidance from a consumer protection attorney can provide you with specific advice on your rights and options, which may include pursuing damages through legal action. Contacting your state Attorney General’s office can also offer guidance regarding FDCPA violations. Additionally, consulting an experienced credit counselor can help you address the debt and avoid further collection calls.

Remember, it is crucial for debt collectors to adhere to the FDCPA when contacting you. By documenting violations and asserting your rights, you can protect yourself from harassment. Seek appropriate assistance and guidance to navigate these situations effectively.

If Company From 9133129487 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that a company from the phone number 9133129487 is a debt collector, it is important to take steps to validate the debt. To do this, you can request written validation through a debt validation letter, as required by the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation provided to ensure that all personal details, creditor name, account number, and amount owed are accurate. If you notice any incorrect or unrecognized information, dispute it in writing and ask for its removal from your credit report.

Once the debt has been validated, you have several options for dealing with it. You can negotiate a settlement by proposing a lump-sum payment or a payment installment plan. It is advisable to have any agreements made in writing before making any payments. If you have the means to do so, you may also offer a partial payment of around 30-50% of the balance and request that the debt be deleted from your credit report. In case the debt collector engages in any unlawful practices during collection, you can assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency or consulting an attorney can be helpful in exploring further options, such as bankruptcy or legal action against the collector. It is important to keep detailed records of all communication and calls for potential complaints, and to revoke any previous permission given for the collector to contact you outside the guidelines set by the FDCPA.

Remember, it is crucial not to ignore a possible debt collector. Validate the debt and exercise your consumer rights under federal and state law before deciding on the best course of action for resolution. Seeking assistance from professionals can help ensure a fair outcome.

Can The Company From 9133129487 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 9133129487 is a debt collector, they have the potential to sue you or garnish your wages if the debt is legitimate. It is crucial to negotiate affordable payment terms in writing to show your willingness to pay. If you cannot afford to pay, you can ask them to stop contacting you, but this may not prevent legal action. To understand your options and protections under the law, consider seeking guidance from a non-profit credit counselor or hiring a consumer law attorney. Consulting with an attorney before considering bankruptcy is important. Make sure to document all communication and efforts to address the debt for a clear record.

Before agreeing to settle, carefully evaluate whether the proposed payment plan fits within your budget. It is essential to have any settlement terms or agreements in writing before making payments. Remember that a collector can still sue you if you default on a settlement. Settling for a lump sum that you cannot realistically afford may cause further financial harm in the long run. While settling can help avoid legal action, it is important not to agree to payments that you cannot maintain. Seek assistance to fully understand your options and rights before making any decisions.

If 9133129487 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 9133129487 is a collection company, you have options to potentially remove it from your credit report. First, request written confirmation to validate the debt’s legitimacy and carefully review it for accuracy. If there are any inaccuracies, send a written dispute to the collection agency, stating that the debt is incorrect under the Fair Credit Reporting Act and demanding its removal from your credit file.

If the collector verifies the debt as valid, you can consider the following actions:

1. Negotiate a pay-for-delete agreement in writing, settling the debt in exchange for its removal from your credit report. This usually requires a lump-sum payment.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill, though formal agreement is not guaranteed.
3. Seek assistance from a credit repair service that can formally dispute the debt on your behalf and provide legal resources for removal.
4. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws or refuses to remove inaccurate information.
6. Consult a consumer law attorney to review potential legal violations by the collector, which may enable you to sue for removal and damages.
7. Keep detailed written records of your efforts to resolve the disputed collection account.

By actively validating debts, negotiating with collectors, and asserting your rights, you can persistently work towards removing collections from your credit report. However, it is crucial to prioritize determining the legitimacy of the debt before taking any action.