901-203-4566

What Company Is Calling Me From 901-203-4566? Are They A Scam And Why Are They Calling Me?

Firstly, the phone number 901-203-4566 is from Memphis, Tennessee, and it is commonly associated with telemarketing calls and potential scams. Callers often use this number to offer loans, health insurance, car warranties, and other services through automated messages. It is crucial to be cautious and avoid engaging with these calls, as they can be misleading and irritating.

To manage unwanted calls, consider reporting them to authorities or using a robocall blocking service. If the unknown call is from a debt collector, let it go to voicemail and check the messages. Block the number by contacting your phone carrier or using call blocking apps.

In case the debt collector continues to harass you, send a cease and desist letter via certified mail and familiarize yourself with your state laws for additional protections. Consult a non-profit credit counselor or attorney to address the underlying debt and protect your rights.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), so document all debt collection calls. Request written validation of the debt through a debt validation letter and negotiate settlement terms with the collector. If necessary, seek assistance from credit counseling agencies or attorneys for legal action or bankruptcy.

How Can I Block Or Stop Calls From 901-203-4566?

First, identify if the unknown number is a debt collector by letting the call go to voicemail and checking messages. Once confirmed, block further calls by contacting your phone carrier or using call blocking apps.

Next, formally request no further contact by sending a cease and desist letter via certified mail demanding no further calls. Check your state’s laws beyond the FDCPA, which may prohibit collection calls without written notice. Send a cease and desist letter invoking those rights and keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Seek help addressing the underlying debt by consulting a non-profit credit counselor to negotiate debt resolution. Consider speaking to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations.

Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 901-203-4566 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 901-203-4566 may be violating the Fair Debt Collection Practices Act (FDCPA) if you’re experiencing any harassing or abusive calls from them. To determine if your rights are being violated, document the date, time, frequency, and details of all calls. Note if they call outside the allowed hours of 8am – 9pm in your time zone, repeatedly call over a short period, or use abusive language.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request them to cease contact at your workplace, and send a cease and desist letter via certified mail demanding no further contact. You can also verbally request them to stop calling during any conversation.

If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance on the matter. Lastly, ask an experienced credit counselor how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 901-203-4566 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, determine if 901-203-4566 is indeed a debt collector. If so, request written validation of the debt by sending a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Next, carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange.

Formally assert your rights under the FDCPA if the collector violates regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. The key is never ignoring a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 901-203-4566 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 901-203-4566, identify whether it is a debt collector or a potential scam. If it is a debt collector, they could potentially sue you to recover the amount owed, and if they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider negotiating affordable lump-sum or installment payments in writing, asserting your inability to pay and requesting them to cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy if debts are overwhelming. Thoroughly document calls, letters, and your efforts to address the debt. Before agreeing to settle, make sure the payment plan is realistically affordable, get any settlement terms or agreements in writing, and be aware that a collector can still sue if you default on a settlement.

If 901-203-4566 Is A Collection Company, How Can I Remove It From My Credit Report?

If 901-203-4566 is a debt collection company, you must first determine if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

If the collector verifies the debt is valid, consider taking these active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal. This requires paying a lump-sum settlement.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. But they are not obligated to remove it without a formal agreement.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. Keep detailed written records showing your efforts to resolve the disputed collection account.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 901-203-4566?

People have left various feedback and comments about the phone number 901-203-4566, indicating that it is a common source of telemarketing calls and robocalls. Users report receiving numerous calls from different entities, such as “Julia” of “Flash Advance” and Direct Merchants Funding, LLC, offering free business loans. The call frequency varies, with some users receiving multiple calls in under a minute to a few calls per day. Callers do not leave messages and continue to call even after being asked to stop. The phone number is associated with a purchased list, which is a common tactic used by telemarketers to reach potential customers.

In a nutshell, 901-203-4566 is a phone number that has been flagged for telemarketing and robocalls, with users receiving multiple calls offering various services. It is essential to be cautious and avoid engaging with these calls, as they may be scams or part of an illegal scheme. To minimize the number of unwanted calls, report them to authorities or use robocall blocking services. Additionally, identify if the unknown call is from a debt collector by letting it go to voicemail and checking messages. If you determine the call is from a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA), so make sure to document all debt collection calls.

In the end, dealing with unwanted calls from 901-203-4566 can be a frustrating experience. However, by understanding your rights and taking appropriate action, you can protect yourself from scams and potentially reduce the number of calls you receive. Remember to consult a non-profit credit counselor or attorney if you need assistance in addressing the underlying debt or taking legal action.