913-312-9503

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What Company Is Calling Me From 913-312-9503? Are They A Scam And Why Are They Calling Me?

The phone number 913-312-9503 is associated with calls from Comenity Bank, a debt collection agency. Be cautious as these calls have been reported as scams, with callers pretending to be from the bank to mislead recipients about debts or accounts they do not have. Protect yourself by letting the call go to voicemail, blocking the number, and reporting violations to the appropriate authorities. Consult a credit counselor or attorney to address the underlying debt and understand your rights under the Fair Debt Collection Practices Act (FDCPA). Validate the debt by requesting written validation from the debt collector, negotiate a payment plan or settlement, and maintain detailed records.

How Can I Block Or Stop Calls From 913-312-9503?

To stop or block calls from a debt collector like 913-312-9503, first identify if the call is from a debt collector by letting it go to voicemail and checking the messages. Once confirmed, contact your phone carrier to block the number or use call blocking apps. Additionally, send a cease and desist letter to the debt collector, demanding they stop calling. Keep records of all correspondence and follow up on the letter. Check your state’s laws on calling without notice and consult a credit counselor or attorney for assistance. Remember, blocking the calls doesn’t eliminate the debt, so understand your rights under the Fair Debt Collection Practices Act (FDCPA) and validate the debt by requesting written validation. If the debt is valid, negotiate a payment plan or settlement while maintaining detailed records of all communication.

Is 913-312-9503 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you from unfair debt collection practices. If you’re receiving calls from a number like 913-312-9503, document the details and report any violations. Revoke consent for calls outside normal hours, request no contact at work, and send a cease and desist letter. Report violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for help. Be cautious with unknown callers and protect yourself from potential scams or violations. Know your rights and take action to ensure your financial well-being.

If 913-312-9503 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 913-312-9503 and suspect it is a debt collector, it’s important to validate the debt and protect your rights. First, request written validation from the collector, which will provide information about the debt, such as the amount owed, the creditor, and any other relevant details. Carefully review this information and dispute any inaccuracies.

Next, consider negotiating a settlement or payment plan with the collector, while asserting your rights under the Fair Debt Collection Practices Act (FDCPA). This act protects consumers from abusive or deceptive practices by debt collectors. You can also consult a credit counselor or attorney for guidance on handling debt collectors and managing your finances.

If the debt collector has violated the FDCPA, report the violation to the appropriate authorities, such as the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office. Keep records of all correspondence and calls with the debt collector, and revoke any permission given to contact you outside of regulations.

In conclusion, it is crucial to take action when dealing with debt collectors like 913-312-9503. By understanding your rights, requesting validation, disputing inaccuracies, negotiating settlements, and consulting professionals, you can effectively address the situation and protect your financial well-being.

Can 913-312-9503 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a creditor’s call from 913-312-9503, remember that you have rights. You can ask if the collector is indeed a debt collector and request written verification of the debt. If they are a debt collector, you have the right to dispute the debt, demand validation, and cease communication if you provide a written request.

If the debt is legitimate, consider negotiating a payment plan or proposing a lower settlement amount. Keep in mind that if you agree to pay, ensure the terms are in writing and the payments are affordable. Be aware that if you fail to meet the agreed terms, the collector may take legal action, including wage garnishment.

To protect yourself from such consequences, seek professional help from a credit counselor or attorney. They can guide you through the process and help you make informed decisions. If the debt becomes unbearable, consider filing for bankruptcy as a last resort. Always document all communications with the debt collector and maintain a clear understanding of your rights under the contract and the FDCPA.

If 913-312-9503 Is A Collection Company, How Can I Remove It From My Credit Report?

To remove 913-312-9503 from your credit report, first verify if the debt is legitimate by requesting written confirmation from the collection agency. Review the validation carefully for accuracy and make sure it is correct. If the debt is not valid, send a dispute to the collection agency to have it removed.

If the debt is valid, consider the following steps:

1. Negotiate a pay-for-delete agreement: Request the collection agency to remove the debt from your credit report in exchange for full payment.
2. Offer a good faith partial settlement: If you cannot afford to pay the full amount, try negotiating a partial settlement that both parties agree upon.
3. Hire a credit repair service: Consult a professional credit repair service to help handle the debt and remove it from your credit report.
4. Wait for the 7-year limit: Understand that the debt will be removed from your credit report automatically after 7 years from the date of the first delinquency.
5. File a complaint: Report the collection agency to the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office for any violations of the Fair Debt Collection Practices Act (FDCPA).
6. Consult an attorney: Seek legal advice from a professional who can help you address the debt and protect your rights.
7. Maintain detailed records: Keep track of all communication with the collection agency, including letters, emails, and phone calls, to support your case.

Ultimately, addressing the debt from 913-312-9503 may require a combination of these strategies to ensure the debt is removed from your credit report and your credit score is not negatively impacted.

What Feedback And Comments Do People Leave About 913-312-9503?

People often leave comments and feedback about calls from 913-312-9503, with many reporting debt collection attempts for others. This has led to suspicions of fraud or scams, or debtors providing incorrect contact information. The main issue is unwanted calls, categorized as debt collectors or nuisance calls. To address this, be cautious when receiving calls from this number and identify if it is a debt collector by letting the call go to voicemail and checking messages. Block the number, report violations, and consult a credit counselor or attorney to address the underlying debt. Be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) and validate the debt by requesting written validation. If the debt is valid, negotiate a payment plan or settlement, and maintain detailed records.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE