9013024819

What Company Is Calling Me From 9013024819 And Why Are They Calling? Are They A Debt Collector?

If you’ve received a call from the number 901-302-4819, it is associated with United Auto Recovery. They specialize in vehicle recovery services and are a debt collection agency. It’s important to be cautious when receiving calls from this number, as it has been reported by users as being associated with debt collectors.

Before providing any personal information or making any payments, it is crucial to verify the validity of the debt. Legitimate debt collectors are required to provide written verification if requested. It is also recommended to check your credit reports for any unfamiliar debts, as scammers often call about fake debts.

If you do choose to engage with the caller, legitimate debt collectors should be able to provide their name, company, and address if requested. However, it is important to be cautious of any threats, unusual payment demands, or refusal to verify debts, as these could indicate a scam. If you suspect that the call is a scam, it is important to report it to authorities such as the Federal Trade Commission (FTC) and your state attorney general.

How Can I Block Or Stop Calls From 9013024819?

Under the Fair Debt Collection Practices Act (FDCPA), you have certain rights as a consumer when it comes to calls from 9013024819. If you believe they are violating the FDCPA, it is essential to document potential violations. Record the date, time, frequency, phone number, and details of all calls. Pay close attention 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, there are several actions you can take. First, in writing, revoke any prior consent given to call outside normal hours and formally request they cease contact at your workplace if prohibited by your employer. Second, you can send a cease and desist letter via certified mail, demanding no further contact by phone. Additionally, don’t hesitate to verbally request they stop calling during any conversation.

If you need assistance on what to do next, report any violations with documentation to the Consumer Financial Protection Bureau. They can open an investigation and take appropriate action. It’s also wise to consult with a consumer protection attorney who can help you understand your specific rights and options, which may include suing for damages. Furthermore, you can contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Lastly, consider reaching out to an experienced credit counselor who can assist you in addressing the debt without incurring further collection calls.

Remember, debt collectors are required to adhere to the FDCPA when contacting you. By keeping detailed records and asserting your rights, you can put an end to the harassment from these collectors.

What Are My Rights As A Consumer Regarding Calls From 9013024819, And Are They Violating The Fair Debt Collection Practices Act?

Under the Fair Debt Collection Practices Act (FDCPA), consumers have certain rights when it comes to calls from the number 9013024819. To determine if the caller is violating the FDCPA, it is important to take note of details such as the date, time, frequency, phone number, and any relevant information about the calls. Violations may include contacting you outside of the allowed hours of 8am to 9pm in your time zone without your consent, repeatedly calling you more than 2-3 times per week, or using abusive or threatening language.

To assert your rights, there are several steps you can take. Start by revoking any previous consent you may have given for calls outside of normal hours in writing. If your workplace prohibits these calls, formally request that the caller stop contacting you there. You can also send a cease and desist letter via certified mail, or verbally request that they cease calling during any conversation.

If you believe the caller is violating the FDCPA, it is important to report the violations to the Consumer Financial Protection Bureau. Provide them with your documented evidence to initiate an investigation. It is also advisable to consult with a consumer protection attorney who can offer guidance on your specific rights and options, which may include suing for damages. Your state Attorney General’s office can also provide guidance in cases of FDCPA violations. Additionally, seeking advice from an experienced credit counselor can help address the debt without further collection calls.

Remember, debt collectors are required to adhere to the FDCPA. By keeping detailed records and asserting your rights, you can put a stop to harassment from debt collectors.

If Company From 9013024819 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If you suspect that company 9013024819 is a debt collector, the first step is to validate the debt’s legitimacy by requesting written confirmation. Make sure to carefully review the validation to ensure the accuracy of your personal details and the debt information. If any information is incorrect, you should send a written dispute to the collection agency stating that the debt is inaccurate according to the Fair Credit Reporting Act. You can also demand that they remove the collection tradeline from your credit file.

In the event that the collector verifies the debt as valid, there are several active steps you can take to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, settling the debt in exchange for its removal. Another option is to offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although there is no obligation for them to remove it without a formal agreement.

If you prefer, you can also consider hiring a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed. Alternatively, you can wait out the 7-year credit reporting time limit for the collection to automatically fall off your report. However, if the collector violates laws and refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to explore potential legal action for removal and damages.

Can The Company From 9013024819 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If the company from 9013024819 is a debt collector, there is a possibility that they might sue you and garnish your wages to recover the amount owed. To avoid legal action, try negotiating affordable lump-sum or installment payments with them in writing, demonstrating your good faith effort to pay. You can also assert your inability to pay and request that the debt collector cease contact with you, although this may not guarantee they won’t proceed with legal action. Seeking guidance from a non-profit credit counselor or consulting a consumer law attorney can provide you with additional support and knowledge about your rights under the Fair Debt Collection Practices Act (FDCPA) and state laws.

Before agreeing to settle, carefully consider whether the proposed payment plan is realistically affordable based on your budget. Ensure you obtain written settlement terms or agreements before making any payments. Remember that even if you settle, the debt collector can still sue you if you default on the settlement. Settling for a lump sum payment that you cannot afford may cause more long-term financial harm than good.

While settling often makes sense to avoid legal action, it’s crucial to seek assistance from professionals who can help you understand your options and rights before making any decisions. Keeping detailed records of all communication and your efforts to address the debt will also be beneficial in creating a clear record of your actions.

If 9013024819 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 9013024819 is a collection company and you want to remove it from your credit report, there are steps you can take. First, try negotiating with the company to make affordable payments. Get any agreement in writing to ensure clarity and protection. You can also assert your inability to pay and ask the collector to stop contacting you, although this doesn’t guarantee they won’t take legal action. Seek guidance from a non-profit credit counselor or consider hiring a consumer law attorney to understand your protections under the Fair Debt Collection Practices Act (FDCPA). Bankruptcy may be an option if your debts are overwhelming, but consult with an attorney to assess its suitability for your situation.

Before agreeing to settle, consider important factors. Ensure the proposed payment plan aligns with your budget and is realistically affordable. Always get settlement terms in writing before making payments for your own protection. Keep in mind that even if you settle, the collection company can still sue you if you default on the agreement. Settling for a lump sum that you can’t afford may have long-term financial consequences. Seek assistance to fully understand your options and rights before making any decisions.