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What Company Is Calling Me From 5163646006 And Why Are They Calling? Are They A Debt Collector?

The phone number 516-364-6006 belongs to a debt collection law firm called Selip & Stylianou LLP. They are reaching out to you because they are attempting to collect on a debt that they believe you owe. Being a law firm specializing in debt collection, they have the authority to take legal action, such as filing a lawsuit, if necessary. It’s crucial to take their calls seriously and handle the debt accordingly.

It’s important to note that as a debt collector, Selip & Stylianou LLP must adhere to consumer protection laws, including the Fair Debt Collection Practices Act. If you disagree with owing the debt or do not recognize it, you have the right to request validation and evidence of the debt. Furthermore, if their phone calls become excessive or intrusive, you can instruct them to only contact you through mail and to cease further calls. In case they violate debt collection laws, you may have the option to sue them and seek damages.

In summary, Selip & Stylianou LLP is a legitimate debt collection law firm calling in regards to an outstanding debt that they claim you owe. It is advisable to engage with them to address the debt, but remember that you also possess consumer rights which you can exercise if necessary.

How Can I Block Or Stop Calls From 5163646006?

If you’re getting calls from the number 5163646006 and suspect it might be a debt collector, follow these steps to block or stop the calls. First, let unknown calls go to voicemail and avoid answering them directly to avoid dealing with collectors.

Once you’ve confirmed that it’s a debt collector, there are a few actions you can take to block future calls. Get in touch with your phone carrier and ask them to permanently block the number. Most major carriers offer call blocking options through customer support or your online account. Alternatively, you can use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, you can set contacts not in your address book to go straight to voicemail or be blocked.

To formally request no further contact, send a cease and desist letter via certified mail, demanding that the collector stops calling you. It’s important to keep detailed records of all calls as evidence of harassment, in case legal action is necessary. In addition, consider reaching out to a non-profit credit counselor for help negotiating a resolution for the underlying debt, or consult a consumer protection attorney if the collector violates regulations. Remember, blocking calls doesn’t eliminate any legitimate debts owed, so make sure to address them appropriately.

What Are My Rights As A Consumer Regarding Calls From 5163646006 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) regarding debt collection calls from the number 5163646006. If these calls violate the FDCPA, you can take action to protect your rights. To ensure you have evidence of potential FDCPA violations, keep a record of the date, time, frequency, phone number, and details of all calls. Note if they call outside the permitted hours of 8am – 9pm in your time zone, unless you have given consent. Also, track if they repeatedly call within a short period or use abusive language.

To assert your rights, you can revoke any prior consent to call outside normal hours in writing. If your employer prohibits calls at work, formally request that they stop contacting you there. You can also send a cease and desist letter via certified mail to demand no further contact by phone, and during any conversation, verbally request that they stop calling.

If you need guidance on what to do next, report any violations with your documented evidence to the Consumer Financial Protection Bureau for investigation. Consult with a consumer protection attorney to fully understand your rights and options, including the possibility of suing for damages. Seek guidance from your state Attorney General’s office if you believe FDCPA violations have occurred. Lastly, consider seeking advice from an experienced credit counselor on how to address the debt without facing additional collection calls.

Remember to comply with the FDCPA guidelines, maintain detailed records, and safeguard yourself against harassment by debt collectors.

If Company From 5163646006 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 5163646006 is a debt collector, requesting written validation is crucial. By sending a debt validation letter, you can ensure that the collector complies with the Fair Debt Collection Practices Act (FDCPA) and provides the necessary information. Carefully review the validation for any inaccuracies or unfamiliar details, and if any issues arise, dispute them in writing and request removal from your credit report.

Once the debt has been validated, you have several options for handling it. You can negotiate a settlement by proposing a lump-sum payment or a payment installment plan. It’s important to outline these agreements in writing before making any payments. If feasible, you may offer a partial payment of about 30-50% of the balance and request that the debt be removed from your credit report. In case the debt collector violates any regulations during the collection process, asserting your rights under the FDCPA is an option. Seeking guidance from a non-profit credit counseling agency can also be beneficial when negotiating debt resolution. Additionally, consulting with an attorney can provide insight into potential options such as bankruptcy or legal action against the collector.

Ensure you maintain detailed records of all interactions with the debt collector for potential complaints. It’s also important to revoke any prior verbal or written consent given to contact you beyond the limits set by the FDCPA. Avoid ignoring the potential debt collector, as it is not advised. Instead, take steps to validate the debt, understand your consumer rights, and seek professional assistance to ensure a fair resolution. Obtaining a three-bureau credit report from IdentityIQ may provide a comprehensive understanding of your credit situation.

Can The Company From 5163646006 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 5163646006 is a debt collector, they have the potential to sue you and garnish your wages if the debt is legitimate. To avoid legal action, it’s crucial to take proactive measures. Negotiating affordable payment arrangements in writing and seeking guidance from a credit counselor or consumer law attorney can be beneficial.

Before agreeing to settle, carefully review the proposed payment plan and ensure it aligns with your budget. It’s essential to have any settlement terms or agreements documented in writing before making any payments. Keep in mind that settling for a lump sum that you cannot realistically afford may have long-term financial consequences.

To maintain a clear record, it is advisable to thoroughly document all communication and efforts made to address the debt. Additionally, obtaining your credit report from IdentityIQ can provide a comprehensive understanding of your financial situation and any outstanding debts. Seek assistance to fully comprehend your options and rights before making any decisions.

If 5163646006 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If you suspect that 5163646006 is a collection company, the first step is to validate the debt by requesting written confirmation. Carefully review the validation to ensure that your personal details and debt information are accurate. If you find any errors, send a written dispute to the collection agency stating that the debt is inaccurate under the Fair Credit Reporting Act and demand its removal from your credit file.

If the collector verifies the debt, there are a few potential options to remove it. One option is to negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for its removal from your credit report. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, keep in mind that without a formal agreement, the collector is not obligated to remove the debt.

You also have the choice of hiring a credit repair service to dispute the debt on your behalf and provide legal resources for removal. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates any laws or refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to explore legal options.

Throughout this process, it’s crucial to keep detailed written records of your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can increase the chances of removing the collection from your credit report. However, make sure to focus on determining the legitimacy of the debt before taking any action.