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What Company Is Calling Me From 9166317085 And Why Are They Calling? Are They A Debt Collector?

The phone number 916-631-7085 belongs to States Recovery Systems, a debt collection agency based in Rancho Cordova, California. They collect debts on behalf of banks, financial services companies, and healthcare providers. If you’re receiving calls from this number, it means that they are trying to collect a debt that you allegedly owe or are calling on behalf of another company to collect a debt you allegedly owe to them.

States Recovery Systems has been operating legally since 1988 and is considered a legitimate collection agency. While there are no reported legal actions or violations against them at the moment, some individuals have reported them as harassing or abusive. If you believe that you don’t owe the debt they’re collecting or are facing harassment, it’s important to know your rights under the FDCPA and take appropriate action. Consulting with a consumer rights lawyer can provide helpful guidance in these situations.

In conclusion, if you’re receiving calls from 916-631-7085, it’s likely that States Recovery Systems is attempting to collect a debt from you or on behalf of another company. It’s crucial to exercise your rights, request verification of the debt if needed, and report any harassment or illegal practices.

How Can I Block Or Stop Calls From 9166317085?

If you’re looking to block or stop calls from the number 9166317085, here are some steps you can take. First, let unknown calls go to voicemail and avoid answering them directly. This helps you avoid engaging with potential collectors. Once you determine that the caller is a debt collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya to automatically filter out these calls. You can also set contacts not in your address book to go straight to voicemail or be blocked on smartphones.

To officially request no further contact, send a cease and desist letter via certified mail, demanding that they stop calling you. Additionally, check if your state has additional laws beyond the FDCPA (Fair Debt Collection Practices Act) that prohibit collection calls without written notice. If so, send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if you’re considering legal action.

Addressing the actual debt is important as well. Seek assistance from a non-profit credit counselor who can help negotiate a resolution for the debt. Consider consulting with a consumer protection attorney to understand your rights and potential lawsuits if the collector violates regulations. Lastly, don’t forget to regularly check your voicemails to monitor any messages left by an identified collector. Blocking calls doesn’t eliminate any legitimate debts you may owe.

What Are My Rights As A Consumer Regarding Calls From 9166317085, And Are They Violating The Fair Debt Collection Practices Act?

If you are receiving calls from the number 9166317085, you have rights as a consumer under the Fair Debt Collection Practices Act (FDCPA). To determine if the caller is violating the FDCPA, keep a record of each call’s date, time, frequency, and details. Make note if they call outside the allowed hours of 8am – 9pm in your time zone, and document any abusive language used or repeated calls.

To assert your rights, you can revoke any prior consent given to call outside normal hours by submitting a written request. If the caller contacts you at your workplace, formally request that they stop calling there. You can also send a cease and desist letter via certified mail to demand no further contact by phone. During any conversation, you can verbally request that they stop calling.

If you believe there have been FDCPA violations, report them with documentation to the Consumer Financial Protection Bureau. It is also advisable to consult with a consumer protection attorney to understand your rights and explore options, such as suing for damages. Additionally, contact your state Attorney General’s office for further guidance and seek advice from an experienced credit counselor on how to address the debt without incurring additional collection calls. Remember to keep detailed records and assert your rights to prevent harassment from debt collectors.

If Company From 9166317085 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 associated with the phone number 9166317085 is a debt collector, you can verify the debt by sending a written request for validation. The Fair Debt Collection Practices Act (FDCPA) mandates that the debt collector must provide you with this information. Review the validation they provide carefully to confirm its accuracy, including your personal information, creditor name, account number, and amount owed. If you identify any incorrect or unfamiliar details, dispute them in writing and ask for their removal from your credit report.

Once the debt has been validated, you have several options to handle it. You can negotiate a lump-sum settlement or a repayment plan in writing before making any payments. If you can afford it, you can propose a partial payment of 30-50% of the balance and request the removal of the debt from your credit report as part of the agreement. If the debt collector violates any regulations during the collection process, you can assert your rights under the FDCPA. Additionally, you can seek assistance from a nonprofit credit counseling agency to help negotiate a resolution. If necessary, consult an attorney to explore options such as bankruptcy or legal action against the collector.

Throughout this process, it is crucial to maintain detailed records of all written communication and phone conversations for potential complaints. Also, revoke any prior verbal or written consent given to the debt collector to contact you outside the guidelines established by the FDCPA. Remember not to ignore a potential debt collector. Validate the debt and exercise your consumer rights under federal and state laws before determining the best course of action. Seeking assistance from professionals like credit counseling agencies or attorneys can ensure a fair outcome.

Can The Company From 9166317085 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company associated with the phone number 9166317085 is a debt collector, they could potentially sue you and garnish your wages. To avoid legal action, try negotiating affordable payment plans in writing or seeking guidance from a non-profit credit counselor. You can also hire a consumer law attorney for protection under the FDCPA and state laws.

Before settling, carefully review the proposed payment plan and ensure it fits within your budget. Make sure to get any settlement terms or agreements in writing before making any payments. Keep in mind that if you default on a settlement, the collector can still sue you. Settling for a lump sum that you can’t afford may have long-term financial consequences.

To protect yourself, make sure to thoroughly document all communication with the debt collector and your efforts to address the debt. It may also be helpful to pull your three bureau credit report through IdentityIQ to gain a comprehensive understanding of your financial situation and any other outstanding debts. Seek assistance to fully understand your options and rights before agreeing to settle.

If 9166317085 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you are being contacted by 9166317085, a collection company, the first step is to validate the debt. Request written confirmation and carefully review it for accuracy. If there are any mistakes, dispute the debt in writing, referencing the Fair Credit Reporting Act and insisting on its removal from your credit file.

If the debt is confirmed to be valid, there are options to potentially remove it. You can negotiate a pay-for-delete agreement, settling the debt in exchange for its removal from your credit report. Another possibility is offering a partial settlement payment as a gesture of goodwill, although this may not guarantee removal without a formal agreement. Hiring a credit repair service to handle the dispute and provide legal resources can also be beneficial.

Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically disappear from your report. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting with a consumer law attorney can help determine if any laws were broken, potentially leading to a lawsuit for removal and damages.

Throughout this process, keep detailed written records of your attempts to resolve the disputed collection account. By validating debts, negotiating with collectors, and asserting your rights, you can increase the chances of removing collections from your credit report through persistence and proper documentation. Remember to focus on verifying the legitimacy of the debt before taking any further action.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE