862-227-1119

What Company Is Calling Me From 862-227-1119? Are They A Scam And Why Are They Calling Me?

Firstly, the company calling you from 862-227-1119 is Bandwidth.com, a telecommunications provider located in Newark, New Jersey. They might be calling for promotional or informational reasons. Although it’s not a scam, it’s crucial to practice caution and ask for more information to confirm the call’s legitimacy. To prevent unwanted calls, block unknown numbers and send cease and desist letters for persistent calls. The number is associated with debt collection efforts; ensure debts are valid, negotiate settlements, and adhere to the Fair Debt Collection Practices Act. If sued, consider payment plans or attorney representation. Many people have left negative reviews, stating the calls are bothersome and annoying.

How Can I Block Or Stop Calls From 862-227-1119?

If you’re receiving unwanted calls from 862-227-1119, there are various steps you can take to block or stop them. First, let the call go to voicemail and don’t answer it directly. This will help you determine if it’s a debt collector or an unknown number.

To block these calls, contact your phone carrier and ask them to block the number. You can also use call blocking apps available for Android and iOS devices, which let you block specific numbers or unknown callers.

Another option is to set contacts not in your address book to go straight to voicemail, preventing you from answering calls from unknown numbers, including 862-227-1119.

If you believe the calls are from a debt collector, send a cease and desist letter requesting no further contact. Be sure to check your state laws for specific requirements when sending this letter.

If you’re dealing with debt, seek help from a non-profit credit counselor or a consumer protection attorney. They can assist you in addressing the underlying issue and guide you through the process of resolving your debt.

Remember, it’s crucial to exercise caution when dealing with unknown callers and follow the appropriate steps to protect yourself from potential scams or harassment.

Is 862-227-1119 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 862-227-1119 is associated with bandwidth.com, a telecommunications provider in Newark, New Jersey. Ensure you verify the legitimacy of calls received from this number, as they may be for marketing or informational purposes. To protect yourself, consider blocking unknown callers and sending cease and desist letters for persistent calls. If the calls are related to debt collection, ensure the debt is valid, negotiate settlements, and follow the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, you have rights such as revoking consent for calls outside normal hours, requesting they stop calling at work, and sending a cease and desist letter. If you believe your rights are being violated, report the issue to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

If 862-227-1119 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you suspect that a call from 862-227-1119 is from a debt collector, start by asking for written validation of the debt. Review the information provided and dispute any inaccuracies. You have the right to request validation within 30 days of receiving the initial collection notice.

To validate the debt, request a written validation notice from the collector, including the amount owed, the creditor’s name, and a verification of your debt. Review this information thoroughly and dispute any inaccuracies.

When negotiating with the collector, consider proposing a settlement, installment plan, or requesting a reduction in the amount owed. Keep in mind that some collectors may be more willing to negotiate if you have a history of making on-time payments.

In some cases, seeking assistance from credit counseling agencies or attorneys may be beneficial. Credit counseling agencies can help you develop a debt management plan and negotiate with creditors on your behalf. If you’re facing legal action, consider consulting an attorney to discuss your options, including possible payment plans or representation in court.

Remember to always follow the Fair Debt Collection Practices Act (FDCPA) guidelines and maintain records of all correspondence and calls. This will help protect your rights and ensure you’re treated fairly by debt collectors.

Can 862-227-1119 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 862-227-1119, it is likely related to debt collection efforts. Debt collectors may sue you to recover the amount owed, which could lead to wage or bank account garnishment. To avoid legal action, consider negotiating affordable payment plans, asserting your inability to pay, seeking credit counseling, or hiring an attorney. Before settling, ensure the payment plan is manageable and get agreements in writing to avoid further legal issues. Ultimately, ensure you validate the debt, follow the Fair Debt Collection Practices Act, and take necessary precautions to protect your finances.

If 862-227-1119 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 862-227-1119 is indeed a collection company. Request written verification from them and review the information provided. If there are any inaccuracies, dispute the debt and provide supporting evidence.

Consider negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service to help remove the collection from your credit report. As an alternative, you can wait for the 7-year limit to pass, file a complaint with the proper authorities, or consult an attorney for assistance.

Throughout the process, keep thorough records of your efforts and maintain awareness of your rights under the Fair Debt Collection Practices Act.

What Feedback And Comments Do People Leave About 862-227-1119?

People who receive calls from 862-227-1119 often leave negative feedback, describing the calls as spam and robocalls. These calls are associated with bandwidth.com, a telecommunications provider in Newark, New Jersey. Users find the calls annoying and bothersome, often for marketing or informational purposes. To ensure calls are legitimate, exercise caution and block unknown callers. If the calls are related to debt collection, validate the debts, negotiate settlements, and follow the Fair Debt Collection Practices Act. If sued, consider payment plans or attorney representation. Ultimately, it is essential to be cautious and maintain control over your interactions with this number to avoid any potential issues.