903-593-8790

What Company Is Calling Me From 903-593-8790? Are They A Scam And Why Are They Calling Me?

Kohl’s Department Store is associated with the phone number 903-593-8790, and it has been reported as a debt collector. These calls may be related to overdue or unpaid bills. While there have been no explicit reports of it being a scam, users should be cautious and aware of the potential for automated calls. If you receive a call from an unknown number like 903-593-8790, identify whether it is from a debt collector by asking for their name, company, and reason for the call. If they are a debt collector, block the number and request no further contact through a cease and desist letter. Consult professionals to address outstanding debts and ensure you are aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Document potential FDCPA violations to better protect yourself from unwanted and harmful debt collection calls.

How Can I Block Or Stop Calls From 903-593-8790?

First, let unknown calls go to voicemail. Debt collectors may leave messages stating they are attempting to collect a debt. Do not answer any unknown calls directly. This avoids engaging with potential collectors. Once identified as a collector, contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Is 903-593-8790 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 903-593-8790 is associated with Kohl’s Department Store and serves as a debt collector. If you’re receiving multiple calls throughout the day, even when the phone is picked up and no response is received, it’s essential to document the date, time, frequency, phone number, and details of all calls. This creates a record of potential harassment or other violations under the Fair Debt Collection Practices Act (FDCPA).

If the calls are outside the allowed hours of 8 am to 9 pm in your time zone, or if they repeatedly call over a short period, such as more than 2-3 times per week, this may be a violation. Additionally, note any abusive, threatening, or obscene language used on calls.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace if prohibited by your employer, and send a cease and desist letter via certified mail demanding no further contact by phone. You can also verbally request 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, and 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 903-593-8790 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 903-593-8790 is a debt collector, the first step is to validate the debt by requesting written validation from the collector. This can be done by sending a debt validation letter to them, as they are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once the debt is validated, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report.
3. Formally assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Always remember to engage with the debt collector and confirm if the debt is valid. Exercise your consumer rights under federal and state law before deciding on the best path to debt resolution. Seek help from professionals to ensure a fair outcome.

Can 903-593-8790 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 903-593-8790 is a debt collector for Kohl’s Department Store, they can potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can negotiate affordable lump-sum or installment payments in writing, assert your inability to pay and request them to cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are truly overwhelming.

Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing before making payments, be aware a collector can still sue if you default on a settlement, and avoid agreeing to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 903-593-8790 Is A Collection Company, How Can I Remove It From My Credit Report?

If 903-593-8790 is a collection company, the first step is to validate if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is 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. Demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, hire a credit repair service to formally dispute the debt on your behalf, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages, and 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 903-593-8790?

People leave various types of feedback and comments about the phone number 903-593-8790, which is mainly linked to Kohl’s Department Store. Many users report receiving automated calls related to bill collections, often multiple times in a short period. Some individuals claim they never had a Kohl’s account or any outstanding debts, yet still receive calls from this number.

To handle these calls, it’s essential for users to exercise caution and be aware of potential scams. If the unknown call is from a debt collector, identifying and addressing any outstanding debts is crucial. Blocking the number and preventing further calls is also an option. Documenting any FDCPA violations, such as call frequency, time, and details, is necessary. Consulting professionals to negotiate outstanding debts and understanding one’s rights and protections under the FDCPA is advisable.