8559653184

What Company Is Calling Me From 8559653184 And Why Are They Calling? Are They A Debt Collector?

If you’ve recently received a call from 855-965-3184, it’s likely that you’ve been contacted by National Recovery Agency (NRA), a well-established debt collection agency in operation since 1976. Their purpose for calling is to discuss any outstanding debts that you may have. Reviews from phone lookup websites indicate that this number has been associated with debt collection activities.

NRA, being a debt collector, must adhere to the regulations outlined in the Fair Debt Collection Practices Act. This act ensures that debt collectors cannot provide false information and are obligated to validate debts upon request. In the event that you receive a call from this number, you can exercise your right to request written validation of the debt, which should include details like the amount owed, the creditor’s name, and your rights regarding debt dispute.

If the debt is indeed valid, you have the option to work with NRA to develop a resolution plan. However, if you suspect any inaccuracies or find the debt suspicious, you retain the right to challenge it in writing. It’s important to note that until the debt has been validated, debt collectors are not permitted to pursue further collection efforts.

It’s crucial to understand that 855-965-3184 is associated with a legitimate debt collection agency. Consequently, it is advisable that you request written validation of the debt before proceeding with any payments. Remember, as a consumer, you possess certain rights under federal law when engaging with debt collectors.

How Can I Block Or Stop Calls From 8559653184?

If you’re receiving calls from the number 8559653184 and suspect a violation of the Fair Debt Collection Practices Act (FDCPA), here’s what you should do:

First, make sure to meticulously document all instances of these calls. Keep track of the date, time, frequency, phone number, and any relevant details. Take note if the calls occur outside the permitted hours of 8am – 9pm in your time zone. Additionally, record instances of repeated calls within a short period or any use of offensive language.

Next, exercise your rights as a consumer by taking certain actions. Start by putting your revocation of any prior consent to be called outside normal hours in writing. Formalize a request for the debt collector to stop contacting you at your workplace if it is against your employer’s policies. You can also send them a cease and desist letter through certified mail, explicitly demanding no further contact via phone. During any conversation, remember to verbally request that they stop calling you.

For further guidance and assistance, report any violations along with your documentation to the Consumer Financial Protection Bureau. This will help initiate an investigation into the matter. Additionally, it is advisable to consult with a consumer protection attorney who can provide you with tailored advice on your rights and available options, such as potentially suing for damages. If you believe FDCPA violations have occurred, reach out to your state Attorney General’s office for further guidance. Furthermore, seek advice from an experienced credit counselor on

What Are My Rights As A Consumer Regarding Calls From 8559653184 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, it is important to know your rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 8559653184. To document any potential FDCPA violations, keep records of the date, time, frequency, phone number, and details of each call. Pay attention if the calls occur outside the permitted hours of 8am to 9pm in your time zone, unless you have given consent for other times. Also note any repeated calls over a short period or any abusive or threatening language used during the calls.

To assert your rights, you can revoke any previous consent given to call outside normal hours by providing a written notice. If your workplace does not allow such calls, formally request that they cease contacting you there. You can also send a certified mail cease and desist letter, demanding that they stop calling you altogether. Additionally, during any conversation with them, verbally request that they no longer contact you by phone.

If you believe there are FDCPA violations, report them along with your documentation to the Consumer Financial Protection Bureau (CFPB) in order to initiate an investigation. It can also be helpful to consult with a consumer protection attorney to learn more about your specific rights and options, such as pursuing legal action for damages. If you suspect FDCPA violations have occurred, reach out to your state Attorney General’s office for guidance. Lastly, seek advice from an experienced credit counselor on how to address the debt without facing further collection calls.

Remember, collectors are obligated to adhere to the FDCPA when contacting you. By keeping thorough records and asserting your rights, you can put a stop to any harassment from debt collectors.

If The Company From 8559653184 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 8559653184 is a debt collector, it is essential to validate the debt before proceeding. Validate the debt by requesting a written validation through a debt validation letter, as required by the FDCPA. Make sure to thoroughly review the validation, checking for accuracy in your personal details, creditor name, account number, and amount owed. If you come across 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 various options for dealing with it. You can negotiate a reasonable lump-sum settlement or a payment installment plan in writing before making any payments. If you are able to afford it, you may also consider offering a partial payment of 30-50% of the balance and request that the debt be deleted from your credit report as part of the agreement. If the debt collector violates regulations during the collection process, you have the right to assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can also be beneficial in negotiating debt resolution. Furthermore, consulting with an attorney can provide insight into whether bankruptcy or legal action against the collector are viable options. Remember to keep detailed records of all communication and calls for potential complaints, and consider revoking any prior permission given to contact you outside of FDCPA guidelines.

In conclusion, it is crucial to never ignore a potential debt collector. Take the necessary steps to validate the debt and

Can The Company From 8559653184 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you are being contacted by the company from 8559653184 and they are a debt collector, it is possible that they may take legal action against you to recover the debt. This could include suing you and potentially garnishing your wages or seizing funds from your bank accounts.

To prevent legal action, there are a few steps you can take. Firstly, try to negotiate affordable payment options with the debt collector in writing. This demonstrates your willingness to pay and may discourage them from pursuing a lawsuit. You can also inform the collector that you are unable to pay and request that they stop contacting you. Although this doesn’t guarantee they won’t proceed with legal action, it can still be beneficial.

Consulting a non-profit credit counselor can provide valuable guidance during this process. They can advocate on your behalf and assist you in navigating the situation. Additionally, it is advisable to seek the advice of a consumer law attorney who can help you understand your rights under the Fair Debt Collection Practices Act (FDCPA) and state laws regarding unreasonable lawsuits.

Before agreeing to a settlement, carefully evaluate the terms of the proposed payment plan. Ensure that it is realistically affordable based on your budget. It is crucial to have any settlement agreements documented in writing to avoid confusion and protect yourself. Remember that even if you do settle, the debt collector can still sue you if you fail to adhere to the agreement.

While settling may be a sensible way to avoid legal action, it is vital to seek assistance from professionals

If 8559653184 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 8569251010 is a collection company, the first step you should take is to request written confirmation in order to validate the debt. Carefully review the validation to ensure that all of your personal information and the details of the debt are accurate. If you find any inaccuracies, send a written dispute to the collection agency, stating that the debt is incorrect according to the Fair Credit Reporting Act. Demand that they remove the collection tradeline from your credit file.

If the collection agency verifies that the debt is indeed valid, there are several possible actions you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing. This means that you settle the debt in exchange for its removal from your credit report. Another option is to offer a partial settlement payment as a gesture of goodwill and request deletion, although this does not guarantee removal without a formal agreement. You can also consider hiring a credit repair service to dispute the debt on your behalf and provide legal resources to help you get it removed.

Alternatively, you can simply wait for the 7-year credit reporting time limit for the collection to expire and automatically fall off your credit report. However, if you believe that the collection agency has violated any laws and they refuse to remove inaccurate information, you have the right to file a complaint with the Consumer Financial Protection Bureau. Seeking advice from a consumer law attorney can also be beneficial, as they can review your case and determine if the collector has violated any laws.