904-647-4990

What Company Is Calling Me From 904-647-4990? Are They A Scam And Why Are They Calling Me?

The phone number 904-647-4990 is associated with Stellar Recovery, a debt collection agency in Jacksonville, Florida. However, callers from this number have been reported as rude and unclear about their identity, raising scam concerns. Legitimate collection agencies identify who they represent, and this number’s unprofessional behavior aligns with scam tactics. To protect yourself, avoid providing personal information to unknown callers from this number and verify collections with previous creditors. Always follow the Fair Debt Collection Practices Act when dealing with debt collectors, and seek guidance from non-profit credit counselors or attorneys if needed. Remember to report any violations to the appropriate authorities.

How Can I Block Or Stop Calls From 904-647-4990?

If you’re receiving unwanted calls from 904-647-4990, it’s essential to take action to stop these calls from disrupting your life. Firstly, let unknown calls go to voicemail and do not answer them directly. This helps identify if the call is from a debt collector. Once identified, you can take further steps to block the number.

To block the number, contact your phone carrier and request assistance in blocking the specific number. Alternatively, you can use call blocking apps available on your smartphone. By blocking the number, you’ll prevent any future calls from reaching your device.

If you believe the calls are from a debt collector, it’s essential to formally request no further contact by sending a cease and desist letter. Be sure to keep detailed records of all communications and interactions with the debt collector.

Consulting a non-profit credit counselor or a consumer protection attorney can help address any underlying debt issues and provide guidance on the best course of action. If the debt is legitimate, work with the debt collector to negotiate a payment plan or settlement while adhering to the Fair Debt Collection Practices Act. By taking these steps, you’ll be better equipped to handle unwanted calls from 904-647-4990 and protect yourself from potential scams.

Is 904-647-4990 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you have been called by the number 904-647-4990, it is crucial to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that safeguards consumers from harassment and abuse during debt collection calls. If you suspect the callers from this number are breaching the FDCPA, document the call details, such as the time, frequency, and any abusive language used.

To start, withdraw your consent for calls outside of normal business hours and request they do not call you at work. If you no longer wish to receive calls from them, send a cease and desist letter. If violations continue, report the issue to the Consumer Financial Protection Bureau (CFPB) or contact your state Attorney General’s office for assistance.

It’s also wise to consult with a non-profit credit counselor or an attorney to help you navigate the debt collection process and ensure your rights are protected. By adhering to the FDCPA, you can prevent further harassment from debt collectors.

If 904-647-4990 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 904-647-4990, and the collector claims to be from Stellar Recovery, first verify the legitimacy of the debt. Request written validation, review it for accuracy, and dispute any incorrect information. You can also request removal of the debt from your credit report if it is in error.

It’s crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). If you think the collector is violating these rights, assert them to protect yourself. Keep records of all correspondence and calls, and consider consulting a credit counselor or attorney for guidance.

If you choose to negotiate, explore options such as a settlement, payment plan, or debt validation. Be cautious of unprofessional callers or potential scams, and never provide personal information over the phone. If the calls are harassing or threatening, send a cease and desist letter to the collector and report any violations to the appropriate authorities.

Can 904-647-4990 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 904-647-4990 is calling about a legitimate debt, they could 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 payments, assert your inability to pay, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy.

Before agreeing to settle the debt, ensure the payment plan is affordable, get terms in writing, and be aware of potential consequences if you default. If the debt collector is unprofessional or potentially scamming, avoid providing personal information and verify collections with previous creditors. Block the number, send a cease and desist letter, and report any violations to the appropriate authorities.

If 904-647-4990 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm if 904-647-4990 is a debt collection company. If so, ensure the debt is legitimate. If not, dispute the debt and request removal. If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service. Wait for the 7-year time limit or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws. If needed, consult a consumer law attorney and keep detailed records of your efforts. By verifying the debt, following appropriate steps, and seeking legal guidance when necessary, you can effectively manage your debt and protect your credit report.

What Feedback And Comments Do People Leave About 904-647-4990?

Many people have left feedback and comments about 904-647-4990, stating that it is a robocall number that often connects to no one, causing frustration for recipients. A call-blocking service like Nomorobo has been found to effectively stop these calls, including “1 ring” and political robocalls. In a nutshell, this phone number is associated with debt collection agency Stellar Recovery and has been reported for unprofessional behavior and potential scamming. To protect yourself, avoid providing personal information and verify collections with previous creditors. To stop the calls, block the number, send a cease and desist letter, and report any violations to the appropriate authorities. If the debt is legitimate, negotiate a payment plan or settlement while adhering to the Fair Debt Collection Practices Act. Consult a non-profit credit counselor or attorney for guidance throughout the process.