904-328-5631

What Company Is Calling Me From 904-328-5631? Are They A Scam And Why Are They Calling Me?

First, you should know that the phone number 904-328-5631 is from Jacksonville, Florida. It is commonly associated with scam or unwanted calls. Many users report receiving calls from this number without it being in their contacts. The callers may ask for individuals who do not reside at the address or hang up when asked for more information. There is suspicion that this number may be used for charity scams targeting veterans. The exact company or organization using this number is unclear.

To protect yourself, do not share personal information when receiving calls from this number and consider letting it go to voicemail or hanging up if unsure about its legitimacy.

How Can I Block Or Stop Calls From 904-328-5631?

If you’re receiving calls from 904-328-5631, it’s possible that it’s a debt collector trying to reach you. To address this issue, follow these steps:

1. First, identify if the call is from a debt collector. Allow unknown calls to go to voicemail, and do not answer directly.

2. Once you’ve identified the caller as a debt collector, block the number by contacting your phone carrier or using a call blocking app.

3. Send a cease and desist letter via certified mail, demanding that the collector stops calling. Keep records of all calls to demonstrate a pattern of harassment if necessary.

4. Consult a non-profit credit counselor to help negotiate a resolution for the debt. If you believe the collector is violating regulations, consider speaking to a consumer protection attorney.

5. While blocking calls does not eliminate any legitimate debts, taking these proactive steps can help stop harassment and address any outstanding debts.

Is 904-328-5631 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 904-328-5631 might be violating the Fair Debt Collection Practices Act (FDCPA), a law designed to protect consumers from aggressive or harassing debt collection methods. If you’re receiving calls from this number, note the details, including the date, time, frequency, and any offensive language used. If the calls are outside the allowed hours of 8am-9pm, you can revoke any prior consent given for calls outside these hours. Should the calls interfere with your work, send a cease and desist letter through certified mail and verbally request they stop calling during any conversation. Furthermore, you can report any violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for assistance. Upholding your rights under the FDCPA can help prevent further harassment from debt collectors.

If 904-328-5631 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt, you need to send a debt validation letter to the collector, 904-328-5631, by mail. They are legally obligated to provide written validation of the debt under the FDCPA. Carefully review the validation, ensuring your personal details, creditor name, account number, and amount owed are accurate. If there are any inaccuracies, dispute them in writing and request removal from your credit report.

Once the debt is validated, consider the following options: negotiate a settlement or payment plan, offer a partial payment, assert your rights under the FDCPA, consult a credit counseling agency, or contact an attorney to explore bankruptcy or legal action. Maintain detailed records of all correspondence and calls, and revoke any prior permission given to the collector if they violate FDCPA guidelines.

Can 904-328-5631 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 904-328-5631 is a debt collector, they could potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, you can negotiate payment plans, assert your inability to pay, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy. Document all communication and efforts to address the debt. Before settling, carefully evaluate the proposed payment plan’s affordability, get any settlement terms in writing, and avoid agreeing to payments you can’t maintain. Seek help to understand your options and rights.

If 904-328-5631 Is A Collection Company, How Can I Remove It From My Credit Report?

If you believe that 904-328-5631 is a debt collection company, start by confirming the debt’s legitimacy by requesting written confirmation. Carefully review the validation to ensure that your personal details and the debt information are accurate. If there are any discrepancies, send a written dispute to the collection agency stating that the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt as valid, consider these active steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. 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. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 904-328-5631?

People often leave negative feedback and comments about the phone number 904-328-5631, as they receive unwanted calls such as telemarketing and nuisance calls. Some users even suspect scams from organizations like CSI JAX, USVAF, and Veterans Charity. Callers may request personal information or contact someone not living at the address. These calls occur frequently, causing annoyance to recipients. The phone number is linked to unwanted and potentially fraudulent calls, so be cautious when receiving calls from this number.