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What Company Is Calling Me From 5136402196 And Why Are They Calling? Are They A Debt Collector?

The phone number 513-640-2196 is associated with Sunrise Credit Services, a debt collection agency based in New York. They are known for collecting debts on behalf of various creditors. However, some sources have reported complaints about questionable tactics and attempts to collect invalid or incorrect debts, as well as falsely threatening legal action.

If you receive a call from Sunrise Credit Services regarding a debt you don’t recognize or believe is invalid, it is advisable to understand your debt validation rights before making any payments. Consumer rights lawyers recommend seeking legal advice in such situations.

Please keep in mind that the information provided is based on search results and online sources. For further confirmation or if you have specific concerns, it is best to contact Sunrise Credit Services directly or consult with a legal professional. To stay informed about your credit and identify any potential issues related to debt collection, consider obtaining a three-bureau credit report from IdentityIQ.

How Can I Block Or Stop Calls From 5136402196?

If you’re getting calls from the unknown number 5136402196 and suspect it’s a debt collector, there are steps you can take. First, let unknown calls go to voicemail and avoid answering them directly to avoid engaging with potential collectors. Once you’ve identified the caller as a debt collector, you can take the following actions to block further calls:

1. Contact your phone carrier to permanently block the number. Most major carriers offer call blocking options through customer support or your online account.
2. Use call blocking apps like Nomorobo or Hiya, which automatically block and filter out numbers at the network level.
3. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

In addition to blocking the number, it’s important to formally request no further contact from the debt collector. Send a cease and desist letter via certified mail, demanding that they stop calling you. Be aware of any state-specific laws that prohibit collection calls without written notice and use those rights if applicable. Keep detailed records of all calls as evidence of harassment if you’re considering legal action.

It’s also wise to seek help in addressing any underlying debt. Consult a non-profit credit counselor who can assist you in negotiating a resolution for the debt. If the collector violates regulations, you may want to consult a consumer protection attorney to understand your rights and potential legal options. Remember to regularly check your voicemails for messages from identified collectors. Blocking calls doesn’t eliminate legitimate debts, but by taking proactive steps and seeking assistance, you can stop harassment while addressing any outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 5136402196 And Are They Violating The Fair Debt Collection Practices Act?

You have certain protections and rights as a consumer under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from 5136402196. If you believe that these calls violate the FDCPA, there are steps you can take.

Firstly, it is important to document any potential FDCPA violations. Keep a record of the date, time, frequency, phone number, and details of all calls. Take note if they call outside the allowed hours of 8am – 9pm in your time zone, unless you have given consent. Also, track if they repeatedly call over a short period or use abusive language.

Secondly, assert your rights by taking certain actions. In writing, revoke any prior consent you may have given to allow them to call outside normal hours. Make a formal request that they stop contacting you at your workplace if your employer prohibits it. Send a cease and desist letter via certified mail, demanding that they no longer contact you by phone. You can also verbally request that they stop calling during any conversation.

Lastly, seek assistance to understand your next steps. Report any violations, along with your documentation, to the Consumer Financial Protection Bureau. They have the authority to investigate the matter. It is also advisable to consult with a consumer protection attorney who can provide guidance on your specific rights and options, including the possibility of suing for damages. Additionally, reach out to your state Attorney General’s office for further guidance if you believe that FDCPA violations have occurred. Lastly, consider seeking advice from an experienced credit counselor on how to address the debt without facing further collection calls.

Remember, by adhering to the FDCPA and maintaining detailed records, you can protect yourself from further harassment by debt collectors.

If Company From 5136402196 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If the company associated with the phone number 5136402196 is a debt collector, it’s important to take certain steps to validate the debt and address it appropriately. Start by sending a written validation request to the collector, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation they provide, making sure that your personal details, creditor name, account number, and amount owed are accurate. If you find any incorrect or unfamiliar 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 lump-sum settlement or a payment installment plan in writing before making any payments. Alternatively, you can offer a partial payment of 30-50% of the balance if that is more affordable for you, while also requesting the removal of the debt from your credit report. If the debt collector violates any regulations during the collection process, you can assert your rights under the FDCPA. Seeking guidance from a non-profit credit counseling agency can also be beneficial in navigating debt resolution. Additionally, it may be worth consulting with an attorney to explore options such as bankruptcy or legal action against the collector. Keep detailed records of all communication and calls for potential complaints, and consider revoking any previous permission given to contact you outside FDCPA guidelines.

Remember, it is crucial not to ignore a potential debt collector. Validate the debt, exercise your consumer rights, and seek professional assistance to ensure a fair resolution.

Can The Company From 5136402196 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 5136402196 is a debt collector, they have the potential to sue you or garnish your wages if the debt is legitimate. To avoid legal action, it is important to take certain steps. One option is to negotiate affordable lump-sum or installment payments with the debt collector in writing, showing your good faith effort to pay. Another option is to assert your inability to pay and request that they cease contact, though this does not guarantee a lawsuit will be avoided. Seeking guidance from a non-profit credit counselor or consulting with a consumer law attorney can also provide valuable assistance and protection.

Before agreeing to settle, there are a few things to consider. First, ensure that the proposed payment plan is realistically affordable based on your budget. It is also important to obtain any settlement terms or agreements in writing beforehand. Additionally, keep in mind that a collector can still sue you if you fail to meet the terms of a settlement. Be cautious of settling for a lump sum that you cannot realistically afford, as this may cause more financial harm in the long run.

While settling may be a sensible option to avoid legal action, it is crucial to seek assistance and understand your rights and options before committing to any payment agreements. One helpful step is to pull your credit report from a trusted provider like IdentityIQ, which can provide you with a clear picture of your overall financial situation.

If 5136402196 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you believe that 5136402196 is a collection company on your credit report, the first step is to validate the debt by requesting written confirmation and carefully reviewing it for accuracy. If you find any incorrect information, take the next step by sending a written dispute to the collection agency. Clearly state the inaccuracies and demand removal.

Once the debt has been verified as valid, you have a few options to potentially remove it from your credit report. One option is to negotiate a pay-for-delete agreement with the collection agency. Make sure to get this agreement in writing and settle the debt in exchange for its removal from your report. Another possibility is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill. If you need additional support, consider hiring a credit repair service or consulting a consumer law attorney to assist you in disputing the debt or taking legal action if necessary.

Alternatively, if you can wait, the 7-year credit reporting time limit may automatically remove the collection from your report. However, if the collector violates any laws or refuses to remove inaccurate information, you have the option of filing a complaint with the Consumer Financial Protection Bureau. Throughout this process, it’s important to keep detailed records of all your efforts to resolve the disputed collection account.

By taking proactive steps like validating debts, negotiating with collectors, and asserting your rights, you can increase your chances of successfully removing collections from your credit report. Nonetheless, it is crucial to determine the legitimacy of the debt before proceeding with any actions.