910-623-2040

What Company Is Calling Me From 910-623-2040? Are They A Scam And Why Are They Calling Me?

First, identify the company calling you from the number 910-623-2040. It is Bull City Financial, a debt collection agency based in North Carolina. They typically make phone calls to recover outstanding debts. However, they have received negative feedback and potential scam allegations due to unwanted calls.

To protect yourself, let unknown calls go to voicemail and block the number. You can also send a cease and desist letter to stop the calls. Keep in mind your rights under the Fair Debt Collection Practices Act (FDCPA), and report any violations to the Consumer Financial Protection Bureau.

To determine if the debt is legitimate, consider validating it and negotiating settlements. In case of confusion or complexity, consult professionals for assistance. Remember, your priority is to protect your rights and ensure the calls are legitimate and not part of a scam.

How Can I Block Or Stop Calls From 910-623-2040?

If you’re being bothered by calls from the number 910-623-2040, first determine if it’s a debt collector. To do this, let the unknown call go to voicemail. If it’s a debt collector, you’re protected under the Fair Debt Collection Practices Act (FDCPA). You can block the number by contacting your phone carrier or using call blocking apps. Furthermore, send a cease and desist letter to officially request no further contact.

To resolve any existing debt, consider consulting a credit counselor or attorney. Blocking calls may stop the harassment, but it won’t eliminate the debts. Keep records of calls and report any violations to the Consumer Financial Protection Bureau. Always validate the debt and negotiate settlements to ensure you’re protected under the law.

Is 910-623-2040 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re concerned that 910-623-2040 may be violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to document the details of their calls, including the date, time, frequency, and phone number. Keep a record of any abusive language or calls made outside of allowed hours. To protect your rights as a consumer, you can revoke consent for such calls and request no contact at work. Sending a cease and desist letter can also help in this situation.

To determine if 910-623-2040 is violating the FDCPA, report any violations to the Consumer Financial Protection Bureau. It’s a good idea to consult a consumer protection attorney or contact your state Attorney General’s office for further guidance. Credit counselors can also provide advice on dealing with debt collectors and ensuring your rights are respected.

If 910-623-2040 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 910-623-2040 and suspect it is a debt collector, follow these steps to validate the debt and understand your options.

1. Request written validation: Debt collectors must provide written validation of the debt within five days of contacting you. This includes the amount owed, the creditor, and other relevant details.

2. Review the validation for accuracy: Carefully examine the information provided and dispute any inaccuracies. This ensures that you are only responsible for paying the correct amount.

3. Negotiate a settlement or payment plan: If you can’t pay the full amount, consider negotiating a settlement or payment plan with the collector. You can also seek help from credit counseling agencies or attorneys.

4. Follow the Fair Debt Collection Practices Act (FDCPA): The FDCPA protects consumers from abusive or unfair debt collection practices. Familiarize yourself with the guidelines and report any violations to the Consumer Financial Protection Bureau.

By taking these steps, you can validate the debt related to 910-623-2040 and ensure your rights are protected.

Can 910-623-2040 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the number 910-623-2040 is connected to a debt collector, they can potentially sue you to collect the debt and garnish your wages or bank account. To avoid such action, try negotiating affordable payment plans, asserting your inability to pay, seeking credit counseling, or hiring a consumer law attorney. If your debts are overwhelming, consider bankruptcy. It’s essential to keep thorough records of all communication and efforts made to address the debt. Be cautious when agreeing to settlement terms, ensuring they are realistic and documented in writing.

If 910-623-2040 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’re receiving calls from 910-623-2040, it’s crucial to first verify the debt’s legitimacy. Request written confirmation from the collection agency and review it thoroughly for any inaccuracies. If there are discrepancies, dispute them immediately. To remove the collection from your credit report, consider these options:

1. Negotiate a pay-for-delete agreement: Offer to pay the debt in exchange for the removal of the collection from your credit report.

2. Propose a partial settlement: If you cannot pay the full amount, offer a settlement for a lesser amount, which may lead to the removal of the collection.

3. Hire a credit repair service: Consult with a professional credit repair service to assist in disputing and negotiating the removal of the collection from your credit report.

4. Wait for approval: The collection will automatically be removed from your credit report after seven years, regardless of whether you pay or dispute it.

5. File a complaint: If you feel the collection agency has violated your rights under the Fair Debt Collection Practices Act (FDCPA), file a complaint with the Consumer Financial Protection Bureau.

6. Consult an attorney: If the collection agency refuses to remove the debt from your credit report or you believe they have violated your rights, consult with an attorney to help resolve the issue.

Always keep detailed records of your communications and correspondence with the collection agency, and prioritize validating the debt first before attempting any other methods to remove it from your credit report.

What Feedback And Comments Do People Leave About 910-623-2040?

910-623-2040 is a phone number associated with Bull City Financial, a debt collection agency. People often leave feedback and comments about this number, reporting calls regarding payments or confirming personal details. Some users mention receiving silent calls or unknown caller IDs. The number has a negative reputation and is frequently reported to the Federal Trade Commission (FTC). Call activity is intermittent but tends to spike on weekdays.

To address concerns about 910-623-2040, it is essential to understand the purpose of debt collection agencies like Bull City Financial. These organizations are responsible for recovering outstanding debts on behalf of their clients. If you receive a call from an unknown number, it is recommended to let it go to voicemail and consider blocking the number. Additionally, you can send a cease and desist letter to request the calls stop.

It is crucial to remember your rights under the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive or harassing debt collection practices. If you believe your rights have been violated, report the incident to the Consumer Financial Protection Bureau.

To determine if the calls you are receiving are legitimate, try to verify the debt in question. If you acknowledge the debt, negotiate settlement terms with the debt collector and seek assistance from professionals if necessary. By following these steps and staying informed about your rights, you can better handle calls from debt collection agencies like Bull City Financial.