913-298-6199

What Company Is Calling Me From 913-298-6199? Are They A Scam And Why Are They Calling Me?

The company calling from 913-298-6199 is likely a scam, with many users identifying the callers as “Travel Rewards.” However, there is no clear information about the actual company or organization behind these calls. Scammers often use fake or misleading caller ID information to hide their true identity, so the callers could be located elsewhere. It is recommended not to answer the call and do not provide any personal or financial information if you suspect it’s a scam. To protect yourself from unwanted calls, use a call-blocking service or app, and report suspicious calls to the FTC or state Attorney General’s office.

Ultimately, it is crucial to be cautious and vigilant when receiving unknown calls, as scammers can cause significant financial harm. Always verify the legitimacy of the call and the company before providing any sensitive information.

How Can I Block Or Stop Calls From 913-298-6199?

First, let the unknown calls go to voicemail and don’t answer directly. If you confirm it’s a debt collector, contact your phone carrier to block the number or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. Next, send a cease and desist letter via certified mail, demanding no further calls. Check your state laws for any additional regulations beyond the FDCPA. Keep detailed records of calls to show a pattern of harassment if considering legal action. Consult a non-profit credit counselor to negotiate debt resolution or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Monitor reports of 913-298-6199 being associated with spam or scam calls and avoid answering them.

Is 913-298-6199 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 913-298-6199, it is crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). To determine if they are violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Keep track of any abusive language, calls outside of allowed hours, or repeated calls over a short period.

To protect your rights, revoke any prior consent given to call outside normal hours, request they cease contact at your workplace, send a cease and desist letter, and verbally request they stop calling during any conversation. If you believe there are violations, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

Remember, debt collectors must adhere to the FDCPA when contacting you. By keeping detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 913-298-6199 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 913-298-6199 and suspect it’s a debt collector, first validate the debt by requesting written validation from the collector. They must provide this under the Fair Debt Collection Practices Act (FDCPA). Once you confirm the debt, consider negotiating a settlement or installment plan in writing. Offering a partial payment of 30-50% if affordable and requesting deletion from your credit report may be options.

If the debt collector violates FDCPA rules, assert your rights under the act. Consult a non-profit credit counseling agency for guidance on debt resolution. In some cases, contacting an attorney to discuss bankruptcy or legal action against the collector may be necessary. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid, exercise your consumer rights under federal and state law, and seek help from professionals to ensure a fair outcome.

Can 913-298-6199 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 913-298-6199 is a debt collector, they have the legal right to sue you for the outstanding debt and potentially garnish your wages if they obtain a court judgment. To avoid legal action, consider negotiating affordable payment terms, asserting your inability to pay, seeking help from a credit counselor or attorney, or even exploring bankruptcy. Before settling, ensure the payment plan is realistic and get any agreements in writing. Keep in mind that debt collectors can still sue if you default on a settlement, so it’s essential to understand your rights and options under the Fair Debt Collection Practices Act (FDCPA).

If 913-298-6199 Is A Collection Company, How Can I Remove It From My Credit Report?

First, verify if the calls from 913-298-6199 are from a debt collection company by requesting written confirmation. Review the details carefully to ensure they are accurate. If any information is incorrect, dispute the debt in writing, citing the Fair Credit Reporting Act.

If the debt is valid, consider the following options to potentially remove it from your credit report:

1. Negotiate a pay-for-delete agreement in writing, where you settle the debt in exchange for removal from your credit file.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to help remove it.
4. Wait for 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.

Throughout the process, keep detailed written records of your efforts to resolve the disputed collection account. By validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 913-298-6199?

Many people have left comments and feedback about the phone number 913-298-6199, with most stating it is related to spam or scam calls. Some have mentioned receiving calls about “Travel Rewards,” while others report Medicare-related spam calls. To protect yourself, identify if the unknown call is from a debt collector and block the number. If you suspect a call is suspicious, report it to the FTC or your state attorney general’s office. Know your rights under the FDCPA and assert them with debt collectors. Consider seeking advice from professionals like credit counselors or attorneys for help with debt resolution. Be aware of potential legal action, wage garnishment, and credit reporting consequences. Verify the debt’s legitimacy, dispute inaccuracies, and negotiate pay-for-delete agreements. Keep thorough records of all communication and correspondence throughout the process. Stay informed about reports of 913-298-6199 being associated with spam or scam calls and avoid answering them.