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What Company Is Calling Me From 9185922420 And Why Are They Calling? Are They A Debt Collector?

The company calling you from 918-592-2420 is Works & Lentz Inc., a debt collection agency based in Tulsa, Oklahoma. They are calling because you have an outstanding debt that the original creditor has assigned to them for collection. Works & Lentz Inc. is a reputable debt collector that must abide by consumer protection laws, including the Fair Debt Collection Practices Act.

If you are unsure about the debt or believe it is incorrect, you have the right to request written validation and proof of the debt from Works & Lentz Inc. Instead of discussing payment arrangements over the phone, you can politely inform them that you prefer all communication to be done through mail. This way, you can carefully review the information and respond accordingly.

In case you find the calls from Works & Lentz Inc. to be overly persistent or harassing, you can take action by sending them a cease and desist letter. This legally obligates them to stop contacting you. It is important to remember that while it is advisable to engage with Works & Lentz Inc. to resolve any legitimate unpaid debts, you also have protections and rights as a consumer under federal law that you can exercise if necessary.

How Can I Block Or Stop Calls From 9185922420?

If you’re looking to block or stop calls from the number 9185922420, there are a few steps you can take. First, let any unknown calls go to voicemail and avoid answering them directly. This will prevent you from engaging with potential debt collectors. Once you’ve identified the calls as coming from a collector, reach out to your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. On smartphones, you can also set contacts not in your address book to automatically go to voicemail or be blocked.

To formally request no further contact, send a cease and desist letter via certified mail, demanding that the collector stop calling you. Check if your state has any additional laws that prohibit collection calls without written notice, and include these rights in your cease and desist letter. Make sure to keep detailed records of all calls to show a pattern of harassment, should you decide to take legal action.

Lastly, it’s important to seek assistance in addressing any underlying debt. Consult with a non-profit credit counselor who can help you negotiate a resolution for your debt. Additionally, consider speaking with a consumer protection attorney to understand your rights and potential options for lawsuits if the collector violates any regulations. Remember to regularly check your voicemails for any messages from identified collectors. Blocking calls won’t eliminate any legitimate debts you may owe, but by taking proactive steps, you can put an end to harassment while working towards resolving outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 9185922420 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), consumers have rights and protections when it comes to debt collection calls, such as those from the number 9185922420. To determine if this number is violating the FDCPA, you can take the following steps:

1. Keep a record: Document the date, time, frequency, phone number, and details of all calls made by 9185922420. This record will be helpful in identifying any potential violations, such as calls made outside the allowed hours of 8am – 9pm in your time zone or excessive calls within a short period.

2. Assert your rights: In writing, revoke any consent previously given to call outside normal hours and formally request that they stop contacting you at your workplace (if prohibited by your employer). You can also send a cease and desist letter through certified mail, demanding no further contact by phone, and verbally ask them to stop calling during any conversation.

3. Seek assistance: Report any violations, along with your documentation, to the Consumer Financial Protection Bureau to initiate an investigation. Consult with a consumer protection attorney to understand your specific rights and explore options, such as pursuing damages through a lawsuit. You can also reach out to your state Attorney General’s office for guidance if you suspect FDCPA violations. Seeking advice from an experienced credit counselor can also be beneficial in addressing the debt without inviting more collection calls.

Remember, collectors must adhere to the FDCPA when communicating with you. By maintaining detailed records and asserting your rights, you can put a stop to any harassment from debt collectors and ensure your consumer rights are upheld.

If Company From 9185922420 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company from 9185922420 is a debt collector, you can validate the debt by requesting written validation through a debt validation letter. Send this letter by mail to the collector and they are legally obligated to provide the requested information under the Fair Debt Collection Practices Act (FDCPA). Check the validation carefully for accuracy, including your personal details, creditor name, account number, and amount owed. Should you find any incorrect or unrecognized information, dispute it in writing and request removal from your credit report.

After validating the debt, you have several options for dealing with it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. If the debt is manageable, you may also consider offering a partial payment of 30-50% of the balance and request deletion from your credit report in return. Moreover, if the debt collector violates any regulations during the collection process, you can assert your rights under the FDCPA. Non-profit credit counseling agencies can offer guidance on negotiating debt resolution, while consulting an attorney may be worthwhile for exploring options like bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls to potentially file complaints and consider revoking any prior permission given to contact you outside FDCPA guidelines.

Remember never to ignore a potential debt collector. Validate the debt, exercise your consumer rights, and seek professional help for a fair outcome. To effectively manage any potential issues, pulling a three-bureau credit report, such as from IdentityIQ, can provide a comprehensive view of your credit history.

Can The Company From 9185922420 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 9185922420 is a debt collector, they have the potential to sue you and garnish your wages in order to collect the owed amount. To prevent legal action, it is recommended to take proactive measures such as negotiating affordable payment plans in writing, asserting your inability to pay and requesting the collector to stop contacting you, seeking guidance from a non-profit credit counselor, or enlisting the services of a consumer law attorney. Bankruptcy may be considered if the debts are overwhelming, but it is important to consult with an attorney to assess its appropriateness for your situation. To maintain a clear record, thoroughly document all communication and efforts made to address the debt.

Before agreeing to a settlement, carefully consider the affordability of the proposed payment plan and ensure that any settlement terms are provided in writing. It is crucial to note that even after settling, a collector can still take legal action if you default on the settlement. Settling can often be a sensible choice, but it’s important to only agree to payment terms that you can realistically maintain. Seek assistance to fully understand your options and rights in this situation.

If 9185922420 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 9185922420 is a collection company on your credit report, the first step is to validate the debt by requesting written confirmation. Make sure to carefully review the validation to check for any inaccuracies in personal details or debt information. If you find any errors, send a written dispute to the collection agency stating that the debt is incorrect according to the Fair Credit Reporting Act.

If the collector verifies the validity of the debt, there are a few steps you can take to potentially have it removed. One option is to negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for its removal from your credit file. Another possibility is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although this is not guaranteed without a formal agreement.

You might also consider hiring a credit repair service that can dispute the debt on your behalf and provide legal resources to assist with its removal. Alternatively, you can wait until the 7-year credit reporting time limit expires for the collection to fall off automatically. If the collector refuses to remove inaccurate information and violates laws, you have the option to file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney for guidance on removal and potential damages.

Keeping detailed written records of your efforts to resolve the disputed collection account is important. By actively validating debts, negotiating with collectors, and asserting your rights, you can increase your chances of successfully removing collections from your credit report.