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What Company Is Calling Me From 904-248-3919? Are They A Scam And Why Are They Calling Me?

The phone number 904-248-3919 has been reported for unsolicited calls from financial services or telemarketing companies, according to community reviews. These calls are considered unwanted and it is suggested to block the number. The specific company is not identified, but the context implies it is likely a telemarketing call. The reviews classify the number negatively and recommend blocking it to avoid further calls.

How Can I Block Or Stop Calls From 904-248-3919?

To block or stop calls from 904-248-3919, first let the unknown calls go to voicemail. If it’s a debt collector, block the number through your phone carrier or use a call blocking app. Next, send a cease and desist letter, following state laws. Consult a credit counselor or attorney for guidance on addressing the debt. Keep records of all calls and interactions, and negotiate payment terms or seek legal help if necessary. Validate the debt and dispute any inaccuracies, considering options like pay-for-delete or filing a complaint. Stay proactive to protect your rights and financial well-being.

Is 904-248-3919 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is in place to protect consumers from unfair debt collection practices. If you’re being called by 904-248-3919, document the details of the calls, including frequency and any abusive language used. You have the right to revoke consent for calls outside normal hours and request no contact at your workplace.

To protect your rights, send a cease and desist letter to the debt collector, which legally requires them to stop contacting you. If you believe the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau or consult an attorney. You can also contact your state Attorney General’s office for assistance.

Maintaining detailed records of the calls can help prevent harassment from debt collectors. In the end, it’s crucial to remember that you have rights as a consumer, and taking action to protect yourself from unwanted calls can help maintain a sense of control and peace of mind.

If 904-248-3919 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 904-248-3919 is a debt collector, it’s crucial to validate the debt they’re attempting to collect. First, request written validation from the collector and review it for accuracy. Dispute any incorrect information and request removal from your credit report. Next, consider negotiating a settlement, installment plan, or legal action based on your rights under the Fair Debt Collection Practices Act (FDCPA). Consult non-profit credit counseling agencies or attorneys for guidance.

Keep detailed records of all communication and interactions with the collector, and revoke permission for contact outside of FDCPA guidelines. If the collector continues to harass or violate your rights, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.

Can 904-248-3919 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is a legitimate debt collector, they can potentially sue you and garnish your wages to recover the owed amount. To avoid legal action, try negotiating affordable payments, asserting your inability to pay, seeking credit counselor guidance, hiring an attorney, or considering bankruptcy. Ensure you thoroughly document all communication with the collector.

When settling the debt, ensure the agreement is affordable and understand the potential consequences. It’s essential to communicate with the debt collector and attempt to reach a reasonable agreement. If you believe the debt is not legitimate, dispute it and request written confirmation. If the calls persist, block the number and seek legal advice from a non-profit credit counselor or attorney. Always protect yourself by understanding your rights and taking necessary actions to resolve the situation.

If 904-248-3919 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 904-248-3919 is a collection company by requesting written confirmation of the debt and reviewing the details provided. If the debt is legitimate, consider these steps to remove the entry from your credit report:

1. Negotiate a pay-for-delete agreement with the collection company, where they agree to remove the entry in exchange for payment.
2. Offer a good faith settlement, which may result in the company removing the entry once the debt is settled.
3. Hire a credit repair service to help you dispute the entry and negotiate with the collection company.
4. Wait for the 7-year limit, during which the negative entry will automatically be removed from your credit report.
5. File a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office if the company is violating your rights.
6. Consult an attorney if the collection company is violating the Fair Debt Collection Practices Act (FDCPA) or other consumer protection laws.

Remember to maintain detailed records and validate the debt before taking action. Blocking the number can help with calls, but focus on addressing the debt to ensure it is accurately reflected on your credit report.

What Feedback And Comments Do People Leave About 904-248-3919?

People generally leave negative feedback about 904-248-3919, labeling it as a nuisance call, unsolicited call, and telemarketer. Users report that the number called but did not leave a message. A review from 71 months ago even claimed it as a scam offering low-cost health insurance. Overall, the feedback about this number is negative, with 9 reviews categorizing it as unwanted or unsolicited calling. To avoid further calls, it is advised to block the number. If the caller is a debt collector, follow the Fair Debt Collection Practices Act (FDCPA) guidelines and consult a non-profit credit counselor or attorney. In case of a lawsuit, negotiate payment terms or seek legal help. Ensure to validate the debt by requesting written confirmation and dispute any inaccuracies. Consider pay-for-delete, settlements, or filing a complaint if necessary.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE