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What Company Is Calling Me From 6304151903 And Why Are They Calling? Are They A Debt Collector?

The company calling from 630-415-1903 is JSM Tele-Page Inc., a debt collection agency. They may be calling because there is an outstanding debt that they have been tasked with collecting by the original creditor. It is crucial to note that this number has been associated with scams and fraudulent activities, so it is important to be cautious and avoid sharing sensitive information or making payments over the phone to unknown callers. If you are unsure of the debt or believe you do not owe it, you have the right to ask JSM Tele-Page Inc. to provide written proof and validation of the debt. Additionally, you can let them know that you do not wish to make payments or arrangements over the phone and request that they communicate with you exclusively through mail. In case the calls become excessive or harassing, you have the option to send JSM Tele-Page Inc. a cease and desist letter, which legally obliges them to stop contacting you.

How Can I Block Or Stop Calls From 6304151903?

If you suspect that the calls you are receiving from the number 6304151903 are from a debt collector, there are steps you can take to block or stop these calls. First, let unknown calls go to voicemail and avoid answering them directly. This will help you determine if it is indeed a debt collector trying to collect a debt. Once confirmed, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya to filter out these calls automatically. For smartphones, you can also set contacts not in your address book to go straight to voicemail or be blocked.

Along with blocking the calls, you can formally request no further contact from the debt collector by sending a cease and desist letter through certified mail. This letter demands that the collector stops calling you, and they can only reach out to confirm they will stop or inform you of specific actions related to the debt. Additionally, check if your state has laws beyond the Fair Debt Collection Practices Act (FDCPA) that prohibit collection calls without written notice and send a cease and desist letter invoking those rights. Keeping detailed records of all calls is crucial in case you need to demonstrate a pattern of harassment.

It is also advisable to seek assistance in addressing any underlying debt. Consult a non-profit credit counselor who can help negotiate a resolution for the debt. If the collector violates regulations, consider speaking to a consumer protection attorney about your rights and potential legal action. Remember that blocking calls does not eliminate any legitimate debts owed, but by taking proactive steps, you can put an end to harassment while addressing your outstanding debts.

What Are My Rights As A Consumer Regarding Calls From 6304151903 And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), as a consumer receiving calls from the number 6304151903, you have certain rights. To determine if the caller is violating the FDCPA, keep track of the date, time, frequency, and details of each call. Take note if they call outside the allowed hours of 8am – 9pm in your time zone, unless you have agreed to different hours. It’s also important to document any repeated calls over a short period or the use of abusive language.

To assert your rights, start by revoking any previous consent given to be contacted outside normal hours. Make sure to do this in writing. If your workplace does not allow collection calls, formally request that they stop contacting you there. You can also send a cease and desist letter through certified mail, clearly stating that you do not want to be contacted by phone anymore. Moreover, during any conversation with the caller, verbally request that they stop calling.

If you believe that the caller is indeed violating the FDCPA, take action by reporting the violations to the Consumer Financial Protection Bureau. Provide them with proper documentation to initiate an investigation. It may also be beneficial to consult with a consumer protection attorney who can provide guidance on your rights and options. You might even consider the possibility of suing for damages. If you suspect FDCPA violations, don’t hesitate to seek further assistance from your state Attorney General’s office. Lastly, seek advice from an experienced credit counselor who can help you address the debt without facing additional collection calls.

By asserting your rights and keeping detailed records, you can protect yourself from further harassment by debt collectors.

If The Company From 6304151903 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that the company from 6304151903 is a debt collector, it is essential to validate the debt before proceeding. You can accomplish this by sending a debt validation letter to the collector and requesting written validation of the debt. By law, they must provide this information under the Fair Debt Collection Practices Act (FDCPA). Once you receive the validation, carefully review it for accuracy, checking personal details, creditor name, account number, and amount owed. If you find any errors or unfamiliar information, dispute it in writing and ask for removal from your credit report.

Once the debt has been validated, you have various options for handling it. You can negotiate a reasonable lump-sum settlement or a payment installment plan by putting your agreement in writing before making any payments. Another possibility is offering a partial payment of 30-50% of the balance if it is within your means, while requesting deletion from your credit report as part of the deal. If the debt collector violates any regulations during the collection process, you can formally assert your rights under the FDCPA. It is also advisable to seek guidance from a non-profit credit counseling agency to help negotiate a resolution. Additionally, consulting an attorney can provide insight into options such as bankruptcy or pursuing legal action against the collector. Keep detailed records of all communication and withdraw any prior consent given to contact you outside the guidelines set by the FDCPA.

Remember not to disregard a potential debt collector. Validate the debt and assert your consumer rights before determining the most suitable course of action. Seeking assistance from professionals can ensure a fair resolution to your situation.

Can The Company From 6304151903 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 6304151903 is a debt collector and the debt is valid, they have the option to sue you and potentially garnish your wages or bank accounts. It is advisable to negotiate affordable payment options with them in writing to demonstrate your willingness to repay the debt. However, even if you assert your inability to pay and ask them to stop contacting you, it may not prevent legal action. To better understand your rights and protections, consider seeking guidance from a non-profit credit counselor or consulting a consumer law attorney. Before agreeing to any settlement, carefully evaluate the proposed payment plan and ensure it aligns with your budget. Always obtain written confirmation of the settlement terms before making any payments, as a collector can still take legal action if you default. Settling is often a sensible choice to avoid legal complications, but it is crucial not to commit to payment terms that you cannot realistically sustain. Prioritize seeking assistance to fully comprehend your available options and rights.

If 6304151903 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you are receiving calls from 6304151903 and suspect it is a collection company, start by validating the debt’s legitimacy. Request written confirmation and carefully review the information provided. Make sure your personal details and debt information are accurate. If there are any errors, send a written dispute to the collection agency, stating the inaccuracies according to the Fair Credit Reporting Act. Demand that they remove the collection tradeline from your credit file.

If the collector verifies the debt as valid, consider taking active steps to potentially remove it. You can negotiate a pay-for-delete agreement by offering a lump-sum settlement in writing, in exchange for removal from your credit report. Another option is to offer a good faith partial settlement payment and request deletion, although there’s no guarantee without a formal agreement. Hiring a credit repair service can help you formally dispute the debt and provide legal resources. Alternatively, waiting for the 7-year credit reporting time limit for the collection to automatically fall off your report is also an option.

If the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney can help determine if the collector broke laws, enabling you to sue for removal and damages. Throughout the process, keep detailed written records of your efforts to resolve the disputed collection account. By proactively validating debts, negotiating, and asserting your rights, you can increase the chances of removing collections from your credit report with persistence and proper documentation. However, always ensure you determine if the debt is legitimate before taking any action.