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What Company Is Calling Me From 904-256-9100? Are They A Scam And Why Are They Calling Me?

The phone number 904-256-9100 belongs to Michael Gross, a resident of Valdosta, Georgia. It is unclear whether this number is for business or personal use. To determine if the call is a scam, consider doing a quick online search or checking the number on websites like “Scam-o-Meter” or “TrueCaller.” Remember, scammers can use any phone number, so always be cautious when receiving calls from unknown numbers. If you still feel uncomfortable, consider blocking the number or reporting it to authorities. The reason for the call could be a wrong number, debt collection, sales call, or a misunderstanding.

How Can I Block Or Stop Calls From 904-256-9100?

If you’re receiving unwanted calls from the number 904-256-9100, it’s crucial to understand the reasons behind these calls and take action to block or stop them. To do this, follow these steps:

1. Let unknown calls go to voicemail to avoid engaging with the caller and potentially receiving more calls.
2. Do not answer calls from unknown numbers directly.
3. If the caller is a debt collector, contact your phone carrier to block the number permanently.
4. Use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
5. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.
6. If the collector continues to call, send a cease and desist letter via certified mail demanding no further calls.
7. 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.
8. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.
9. Consult a non-profit credit counselor to help negotiate resolution of the debt.
10. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Remember, blocking calls does not eliminate any legitimate debts owed. However, taking proactive steps can stop harassment and help address any outstanding debts.

Is 904-256-9100 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from unfair debt collection practices. If you are receiving calls from the number 904-256-9100, document the date, time, frequency, phone number, and details of all calls. Ensure they are not calling outside the allowed hours of 8 am to 9 pm in your time zone, and that they do not call excessively or use abusive language.

To assert your rights, revoke any prior consent given for calls outside normal hours, request they cease contact at your workplace if prohibited, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation. If you believe FDCPA violations have occurred, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

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 904-256-9100 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 904-256-9100 is a debt collector, you can validate the debt by requesting written validation of the debt and carefully reviewing the information provided. Ensure you verify your personal details, the creditor’s name, account number, and amount owed. If any information is incorrect or unrecognized, dispute it in writing and request removal from your credit report.

Consider the following options once the debt is validated: 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 on negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

Maintain 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 904-256-9100 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 904-256-9100, it is crucial to identify if it is a debt collector or not. 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, negotiate affordable lump-sum or installment payments in writing, assert inability to pay and request them to cease contact, seek guidance from a non-profit credit counselor, or hire a consumer law attorney.

Before agreeing to settle, ensure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing before making payments, and be aware that the collector can still sue if you default on a settlement. Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 904-256-9100 Is A Collection Company, How Can I Remove It From My Credit Report?

If 904-256-9100 is a collection company, the first step is to confirm if the debt is legitimate by requesting written confirmation from the agency. 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 904-256-9100?

There is no direct feedback or comments about the phone number 904-256-9100 in the provided context. However, the number is associated with Michael Gross, which implies that any feedback or comments about interactions with him or his associates could potentially be related to this phone number. To gather more accurate information about the feedback and comments associated with the phone number, consult sources that directly address the number in question, such as review websites, social media platforms, or other relevant forums where users discuss their experiences with specific phone numbers.

Ultimately, it is essential to be cautious when receiving calls from unknown numbers, as they could be scams or unwanted solicitations. Protect yourself by not sharing personal information and consider blocking or reporting the number if necessary. If the call is from a debt collector, understand your rights under the Fair Debt Collection Practices Act (FDCPA) and document the details of the call. Request written validation of the debt and negotiate a settlement or payment plan. In some cases, you may need to validate the debt legitimacy, negotiate a pay-for-delete agreement, or consult a consumer law attorney. Always prioritize your safety and well-being when dealing with unknown callers.

You must check your credit report

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