864-509-9354

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What Company Is Calling Me From 864-509-9354? Are They A Scam And Why Are They Calling Me?

The number 864-509-9354 is located in Greenville, South Carolina and is provided by Bandwidth.com, a telecommunications company. This suggests that calls from this number may be telemarketing related, as Bandwidth.com does not seem to be affiliated with a specific company. Although not a scam, these calls might be unwanted solicitations. To prevent further calls, consider screening or blocking the number.

Calls from 864-509-9354 are likely telemarketing-related and may be unwanted solicitations from a Greenville, South Carolina-based telecommunications company, Bandwidth.com. These calls may not be scams but could be blocked using your phone carrier or call blocking apps. If the calls are from a debt collector, follow the Fair Debt Collection Practices Act (FDCPA) guidelines, negotiate a settlement or payment plan, and keep detailed records. Consult a credit counselor or attorney for guidance on handling debt collectors and protecting your rights.

How Can I Block Or Stop Calls From 864-509-9354?

To block or stop calls from 864-509-9354, first determine if it is a debt collector by letting the calls go to voicemail. Once you’ve identified the caller, block the number through your phone carrier or call blocking apps. Additionally, send a cease and desist letter to request no further contact. Keep records of these calls and consider seeking help from a credit counselor or attorney to address any outstanding debts. Blocking calls can help stop harassment, but it’s essential to handle any underlying debt responsibly.

Is 864-509-9354 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from unfair debt collection practices. If you’re receiving calls from 864-509-9354, it’s crucial to document the details of each call, including the date, time, frequency, phone number, and any abusive language used. To address this issue, you can revoke consent for calls outside normal hours, request the collectors to cease contact, and send a cease and desist letter.

If you believe there are violations, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. It’s possible that the calls are telemarketing-related and can be blocked using your phone carrier or call blocking apps. If the calls are from a debt collector, follow the FDCPA guidelines, negotiate a settlement or payment plan, and maintain detailed records. Seeking assistance from a credit counselor or attorney can help you navigate the process of handling debt collectors and protecting your rights as a consumer.

If 864-509-9354 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 864-509-9354 is a debt collector and to validate the debt, follow these steps:

1. Request written validation: Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written validation of the debt. Send a written letter to the collector requesting this information.

2. Examine the validation: Once you receive the written validation, review the information provided. Check for accuracy and dispute any incorrect information.

3. Negotiate a settlement or payment plan: If the debt is valid, try negotiating a settlement or payment plan. Offer partial payment if possible, and ensure the agreement is in writing.

4. Request removal from your credit report: If the debt collector agrees to a settlement or payment plan, request that they remove the debt from your credit report.

5. Exercise your rights under the FDCPA: Familiarize yourself with your rights under the FDCPA and use them to your advantage when dealing with debt collectors.

6. Consult a credit counselor or attorney: If you need further guidance on handling debt collectors or considering legal action, consult a credit counselor or attorney.

7. Keep detailed records: Maintain detailed records of all communications with the debt collector and any agreements made.

8. Revoke any prior permissions: If you have given the collector prior permissions, such as access to your bank account, revoke these permissions.

By following these steps, you can address the debt at 864-509-9354 and protect your rights under the FDCPA.

Can 864-509-9354 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 864-509-9354, it is likely from a debt collector. Debt collectors have the authority to sue for unpaid debts and garnish your wages or bank account to recover the owed amount. To avoid legal action, you can negotiate an affordable payment plan, assert your inability to pay, seek guidance from a non-profit credit counselor, or hire an attorney.

Before settling with the debt collector, make sure the payment plan is manageable and get any agreements in writing. Remember that you have rights under the Fair Debt Collection Practices Act (FDCPA), and being aware of these guidelines can help protect you from harassment or abuse. By staying informed and proactive, you can effectively manage debt collection calls and navigate the process with confidence.

If 864-509-9354 Is A Collection Company, How Can I Remove It From My Credit Report?

If 864-509-9354 is a collection company, follow these steps to remove it from your credit report:

1. Verify the legitimacy of the debt: Check if 864-509-9354 is indeed a debt collection agency. If it is, request written confirmation of the debt and review it carefully.

2. Dispute incorrect information: If there are any inaccuracies in the debt, dispute it as per the Fair Credit Reporting Act (FCRA).

3. Negotiate a pay-for-delete agreement: Consider negotiating with the collection company to remove the debt from your credit report in exchange for a full or partial payment.

4. Consult a credit repair service: Hire a credit repair service to handle the dispute process and negotiations with the collection company.

5. Wait for the time limit: After seven years, the debt should be removed from your credit report automatically.

6. File a complaint: If the collection company violates the FDCPA, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.

7. Consult an attorney: If the situation escalates, consult an attorney to protect your rights and explore legal options.

8. Maintain detailed records: Keep records of all your efforts to resolve the issue, including phone calls, emails, and letters.

If the calls are from a telemarketer, consider blocking the number using your phone carrier or call blocking apps. If the calls persist, consult a credit counselor or attorney for further guidance.

What Feedback And Comments Do People Leave About 864-509-9354?

864-509-9354 is a phone number that has been reported to make numerous robocalls, primarily for credit card offers. Many people have found success in blocking these calls using call-blocking services like Nomorobo. The number is a landline located in Greenville, South Carolina, and is connected to Bandwidth.com. While these calls may not be scams, they can be considered unwanted solicitations and can be blocked using your phone carrier or call blocking apps. If the calls are from a debt collector, it’s important to follow the guidelines of the Fair Debt Collection Practices Act (FDCPA). In case you need further assistance or guidance on handling debt collectors and protecting your rights, consider consulting a credit counselor or attorney for personalized advice.

You must check your credit report

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