863-441-4117

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What Company Is Calling Me From 863-441-4117? Are They A Scam And Why Are They Calling Me?

The phone number 863-441-4117 is associated with Prince Dwyer from Lake Placid, Florida. It could be a genuine call or a scam. Florida has a higher rate of telemarketing fraud, so be cautious and take necessary precautions.

To identify if it’s a scam, recognize the caller as a debt collector and block the number. Send a cease and desist letter to protect your rights under the Fair Debt Collection Practices Act (FDCPA). If the call is a violation of the FDCPA, report it.

Request written validation of the debt, dispute any inaccuracies, and negotiate a payment plan or settlement. Keep detailed records of your interactions and consider consulting a credit counselor or attorney for further assistance. Stay vigilant and protect yourself from potential scams by staying informed and taking proactive measures.

How Can I Block Or Stop Calls From 863-441-4117?

To stop calls from 863-441-4117, first identify if it’s a debt collector. If it is, block the number by contacting your phone carrier or using call blocking apps. Inform the debt collector that you no longer wish to be contacted. Then, send a cease and desist letter, keeping records of all calls and communications. Consult a credit counselor or attorney to address the underlying debt and understand your rights under the Fair Debt Collection Practices Act. Be cautious of potential scams and report any violations. By taking these steps, you can effectively stop unwanted calls and protect yourself from scams.

Is 863-441-4117 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 863-441-4117 may be violating the Fair Debt Collection Practices Act (FDCPA), which is designed to protect consumers from unfair, deceptive, or abusive debt collection practices. If you receive calls from this number, it is crucial to understand your rights and take appropriate action.

First, document all call details, including dates, times, frequency, phone number, and any inappropriate behavior. Then, revoke consent for the collector to contact you and request no further contact. Sending a cease and desist letter can also help.

If the collector continues to violate your rights, report the violation to the Consumer Financial Protection Bureau (CFPB). It is advisable to consult a consumer protection attorney or credit counselor for assistance in dealing with the debt collector and identifying potential scams.

In conclusion, always keep detailed records, identify if the call is from a legitimate debt collector, and protect yourself from potential fraud. Your rights as a consumer are vital, and understanding the FDCPA can help you take appropriate action.

If 863-441-4117 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 863-441-4117 and suspect it’s a debt collector, follow these steps to validate the debt and explore your options. First, request written validation from the debt collector, asking for proof of the debt. Next, dispute any inaccuracies in the validation and request removal from your credit report if the debt is inaccurate. Consider negotiating a settlement or payment plan, but be cautious and assert your rights under the Fair Debt Collection Practices Act (FDCPA). Seek advice from a non-profit credit counselor, consult an attorney if necessary, and keep records of all correspondence and calls. Revoke permission for contact if the collector violates the FDCPA guidelines. Finally, block the number and report the call as spam or fraud if unwanted or harassing.

Can 863-441-4117 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

First, it’s essential to identify whether 863-441-4117 is a legitimate debt collector or a scammer. If it’s a debt collector, remember your rights under the Fair Debt Collection Practices Act (FDCPA). You can request written validation of the debt, dispute inaccuracies, and negotiate a payment plan or settlement. Keep detailed records of all communication, and consider seeking credit counseling or hiring an attorney to help you navigate the situation. If debts become overwhelming, explore bankruptcy as an option. Avoid settling for unaffordable payments that could cause long-term harm to your financial situation.

If 863-441-4117 Is A Collection Company, How Can I Remove It From My Credit Report?

If you find that 863-441-4117 is a collection company calling about a debt, the first step is to confirm the debt’s legitimacy by requesting written confirmation from them. Review this information carefully and dispute any inaccuracies you find. To potentially remove the debt from your credit report, consider the following steps:

1. Negotiate a pay-for-delete agreement with the collection company, where they agree to remove the debt from your credit report in exchange for a payment.
2. Offer a good faith settlement, which may involve paying a portion of the debt to satisfy the collection company and have them remove it from your report.
3. Hire a credit repair service to assist with disputing the debt and negotiating with the collection company on your behalf.
4. Wait for the 7-year limit, as most negative information on your credit report will be removed after this period.
5. File a complaint with the Federal Trade Commission (FTC) or your state’s attorney general’s office if you believe the collection company violated the Fair Debt Collection Practices Act (FDCPA).
6. Consult an attorney who specializes in credit law to help you navigate the process and protect your rights.

It is essential to validate the debt first, as this will help lay the groundwork for addressing any inaccuracies and disputing the debt with the collection company. Make sure to keep detailed records of all communication and actions taken to ensure a smooth and successful process.

What Feedback And Comments Do People Leave About 863-441-4117?

People have left various feedback and comments about the phone number 863-441-4117, with many describing it as a mystery call. The callers usually leave recorded messages about credit cards or hang up when answered, causing concerns of potential scams. Some individuals did not receive any messages, while others experienced an increase in spam calls from the Lakeland, Florida area. It is crucial to stay cautious and vigilant when receiving calls from unknown numbers, particularly in regions known for high-risk telemarketing activities. If you suspect a scam, take necessary steps to safeguard your personal information and financial safety.

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