904-685-1182

What Company Is Calling Me From 904-685-1182? Are They A Scam And Why Are They Calling Me?

The company calling from 904-685-1182 is likely a scam, as numerous users have reported receiving unwanted calls with recorded messages from this number. The callers often claim to be from a legal department or collections agency and request personal information or mention a legal case against the recipient or someone they know. The number is associated with the Jacksonville, Florida area, and the scam reports date back to at least 2017. It is advised to be cautious and not provide any personal information if receiving a call from this number.

Ultimately, it is essential to be vigilant and cautious when receiving calls from unknown numbers, especially when the callers request personal information. To identify if the call is from a debt collector, let unknown calls go to voicemail, block the number, and send a cease and desist letter. Consult a non-profit credit counselor or consumer protection attorney to address the debt and potential violations of the Fair Debt Collection Practices Act (FDCPA). Request written validation of the debt, dispute inaccuracies, and negotiate a settlement or payment plan. If necessary, seek legal action and validate the debt’s authenticity by requesting written confirmation. Monitor and report robocalls, callers, and any inconsistencies in the calls received from 904-685-1182.

How Can I Block Or Stop Calls From 904-685-1182?

First, determine if the calls are from a debt collector by letting unknown calls go to voicemail. If they mention a debt, contact your phone carrier to block the number permanently. Alternatively, use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, send a cease and desist letter via certified mail demanding no further calls. Check your state’s laws for any additional regulations that may apply. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

To address the underlying debt, consult a non-profit credit counselor to help negotiate a resolution. If the collector violates regulations, speak to a consumer protection attorney regarding your rights and potential lawsuits. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 904-685-1182 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from 904-685-1182, document the details of the calls and check if they are violating the Fair Debt Collection Practices Act (FDCPA). If you believe there are violations, take action by revoking consent for calls outside normal hours, requesting no further contact, and sending a cease and desist letter. Report the violations to the Consumer Financial Protection Bureau and consult with a consumer protection attorney for guidance on your rights and options. You can also contact your state Attorney General’s office and seek advice from a credit counselor on how to address the debt without further harassment. Remember, adhering to the FDCPA is crucial for collectors contacting you, and asserting your rights will help prevent any further harassment.

If 904-685-1182 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 904-685-1182 is a debt collector, the first step is to validate the debt by requesting written proof from the collector. Send a debt validation letter through mail, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once you receive the validation, thoroughly review it for accuracy. Dispute any incorrect or unrecognized information in writing and request its removal from your credit report.

Next, consider negotiating a settlement or payment plan with the collector. Offer a lump sum or installments, and ensure the agreement is in writing before making any payments. You may also request the removal of the debt from your credit report in exchange for a partial payment.

If the debt collector violates FDCPA regulations, assert your rights and consult a non-profit credit counseling agency for guidance on debt resolution. In more serious cases, contact an attorney to explore bankruptcy or legal action against the collector.

Maintain detailed records of all correspondence and calls for potential complaints. Revoke any prior permission given to contact you outside FDCPA guidelines. By confirming the debt’s validity and exercising your consumer rights, you can determine the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 904-685-1182 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a debt collector could potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, negotiate affordable payments in writing, assert inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy. Thoroughly document all calls, letters, and your efforts to address the debt.

Before agreeing to settle, carefully consider the proposed payment plan’s affordability, get any settlement terms or agreements in writing, and be aware a 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 904-685-1182 Is A Collection Company, How Can I Remove It From My Credit Report?

If 904-685-1182 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 904-685-1182?

People often leave comments about 904-685-1182, stating their annoyance with the numerous robocalls and recorded messages they receive from this number. The callers typically attempt to gather information or encourage the called party to call back to a different number, providing case numbers or claiming to have crucial legal information. Some individuals report receiving calls from various names, such as Enterprise Locators, Chojn N, or N. Choin. The frequency of these calls varies, but the nature of the calls remains consistent.

To address this issue, it is vital to determine if the call is from a debt collector by allowing unknown calls to go to voicemail, blocking the number, and sending a cease and desist letter. Consulting a non-profit credit counselor or consumer protection attorney can help resolve the debt and any potential violations of the Fair Debt Collection Practices Act (FDCPA). Requesting written validation of the debt, disputing inaccuracies, and negotiating a settlement or payment plan are essential steps to resolve the matter.

In a nutshell, seeking legal action if necessary and validating the debt’s authenticity by requesting written confirmation are crucial actions to take when dealing with calls from 904-685-1182. Monitoring and reporting robocalls, callers, and any inconsistencies in the calls received from this number can help prevent similar issues in the future.