903-213-1058

What Company Is Calling Me From 903-213-1058? Are They A Scam And Why Are They Calling Me?

The company calling from 903-213-1058 is SLC Help Desk, and they are considered a scammer/fraudster, telemarketer, and unknown caller type. They have received 169 complaints to the FTC and are known to call multiple times a day. It is advised not to answer calls from this number and to block it if possible. Remember, the Fair Debt Collection Practices Act (FDCPA) protects consumers from harassment and unfair practices during debt collection calls. To identify scams, avoid answering unknown calls, block the number, and send a cease and desist letter if needed. If the debt is legitimate, request written validation of the debt and dispute any inaccuracies. Negotiate a settlement or payment plan before making any payment. Consider potential legal action if needed, but be aware of risks and long-term financial consequences. If the debt is valid, consider negotiating a pay-for-delete agreement or hiring a credit repair service to remove it from your credit report. SLC Help Desk users report multiple calls a day, often at inconvenient hours, with unclear call content, leading many to block the number.

How Can I Block Or Stop Calls From 903-213-1058?

If you are receiving unwanted calls from 903-213-1058, associated with SLC Help Desk, a company with 169 FTC complaints, you may be dealing with a debt collector. To block or stop these calls, follow these steps:

1. Identify if it is a debt collector by letting unknown calls go to voicemail and checking for messages.
2. Contact your phone carrier to block the number, or use call blocking apps like Nomorobo or Hiya.
3. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.
4. Send a cease and desist letter via certified mail, demanding no further calls.
5. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice, and send a cease and desist letter invoking those rights.
6. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Remember, blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 903-213-1058 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 903-213-1058 is associated with SLC Help Desk, a company that has received numerous complaints, including 169 FTC complaints. Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections and rights as a consumer regarding debt collection calls, including from this number. Documenting potential FDCPA violations is crucial, including the date, time, frequency, phone number, and details of all calls.

If they call outside allowed hours of 8 am – 9 pm in your time zone, if they repeatedly call over a short period, or if they use abusive, threatening, or obscene language, you may have grounds for a violation. Asserting your rights is essential, including revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter, and verbally requesting they stop calling during any conversation.

If you believe FDCPA violations have occurred, 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 next steps. 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 903-213-1058 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 903-213-1058 is a debt collector, the first step is to validate the debt. Mail a debt validation letter to the collector, as they are required to provide this information under the Fair Debt Collection Practices Act (FDCPA). Once validated, consider your options for resolving the debt.

Negotiating a lump-sum settlement or payment installment plan in writing before making any payment is a smart choice. Offering a partial payment of 30-50% of the balance if affordable may be a viable option, as long as you request deletion from your credit report in exchange. If the collector violates FDCPA regulations, formally assert your rights.

Consulting a non-profit credit counseling agency for guidance on debt resolution or contacting an attorney to understand bankruptcy or legal action against the collector are additional options. Keep detailed records of all correspondence and calls for potential complaints, and revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Always 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 903-213-1058 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 903-213-1058 is a debt collector, they could potentially sue you or garnish your wages if you owe a legitimate debt. To avoid legal action, try negotiating affordable payments in writing, asserting your inability to pay, or seeking guidance from a non-profit credit counselor. If the situation escalates, consider hiring a consumer law attorney or even bankruptcy.

Before settling on a payment plan, ensure it’s realistic based on your budget, and get any agreements in writing. Be aware that a collector can still sue if you default on a settlement. It’s crucial to understand your rights and options under the FDCPA and state law. Always document calls, letters, and your efforts to address the debt to have a clear record.

In conclusion, while settling may be necessary to avoid legal action, be cautious and ensure you can maintain the agreed payments. Seek assistance to understand your rights and options before agreeing to any settlement terms.

If 903-213-1058 Is A Collection Company, How Can I Remove It From My Credit Report?

If 903-213-1058 is a collection company, you can try to remove it from your credit report by first validating the debt. Request written confirmation from the collector and review it carefully to ensure the details are accurate. If there are any inaccuracies, dispute the debt in writing, citing the Fair Credit Reporting Act.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment with deletion as a gesture of goodwill, or hiring a credit repair service to dispute the debt on your behalf. Another option is to wait for the 7-year credit reporting time limit, during which the collection will automatically fall off your report.

You can also file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Additionally, consult a consumer law attorney to review if the collector broke any laws, potentially enabling you to sue for removal and damages.

To successfully remove a collection from your credit report, focus on validating debts, negotiating with collectors, and asserting your rights while ensuring proper documentation.

What Feedback And Comments Do People Leave About 903-213-1058?

People often leave negative feedback and comments about 903-213-1058, as it is associated with SLC Help Desk, a company with 169 FTC complaints. Users report receiving numerous calls throughout the day, often at inconvenient hours, with unclear content. Many people choose to block the number due to the constant disturbance. To prevent harassment and unfair practices during debt collection calls, consumers should learn about the Fair Debt Collection Practices Act (FDCPA). To identify potential scams, avoid answering unknown calls, block the number, and send a cease and desist letter if necessary. If a debt is legitimate, request written validation and negotiate a settlement or payment plan before making any payment. Legal action may be considered, but be aware of the risks and long-term financial consequences. If the debt is valid, negotiate a pay-for-delete agreement or hire a credit repair service to remove it from your credit report.