913-677-8379

What Company Is Calling Me From 913-677-8379? Are They A Scam And Why Are They Calling Me?

The company calling you from 913-677-8379 is Comenity Bank, which manages credit cards for various retail stores. While it’s not confirmed as a scam, it’s important to be cautious with unknown calls, especially if they request personal information. The calls are likely related to outstanding credit card payments or debt collection. If unsure, contact the company directly and report any suspected scams to the FTC or local law enforcement. Remember, it’s crucial to stay vigilant and cautious when receiving calls from unknown numbers, and to verify the legitimacy of the call by contacting the company directly.

How Can I Block Or Stop Calls From 913-677-8379?

If you receive unwanted calls from a number like 913-677-8379, it’s crucial to take action to prevent potential harassment. First, identify if it’s a debt collector by letting the call go to voicemail and checking for messages. If it is, follow these steps:

1. Contact your phone carrier to block the number through customer support or your online account.
2. Use call blocking apps like Nomorobo or Hiya to automatically block and filter the number at the network level.
3. 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 that they stop calling. If your state has specific laws about collection calls without written notice, use those laws in your letter. Keep records of all calls to demonstrate a pattern of harassment if considering legal action.

To handle any outstanding debt, consult a non-profit credit counselor to help negotiate a resolution. If needed, speak to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations.

Blocking calls doesn’t eliminate any owed debts, but taking proactive steps can stop harassment while addressing any outstanding debts. Always be cautious and protect your personal information when dealing with unknown calls.

Is 913-677-8379 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the number 913-677-8379 and suspect it’s a debt collector violating the Fair Debt Collection Practices Act (FDCPA), remember that you have rights as a consumer. Document the details of all calls, including date, time, frequency, phone number, and any inappropriate language used. Revoke any consent given for calls outside the allowed hours, request they stop calling your workplace, and send a cease and desist letter via certified mail.

To address potential FDCPA violations, report the issue to the Consumer Financial Protection Bureau and consult a consumer protection attorney. You can also contact your state Attorney General’s office for guidance. In addition, reach out to a credit counselor for advice on managing your debt without further collection calls. Make sure to assert your rights under the FDCPA to prevent harassment from debt collectors.

If 913-677-8379 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 913-677-8379 is a debt collector and validate the debt, you should first request written validation of the debt by mailing a debt validation letter to the collector. This is a legal requirement under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, verifying your personal details, the creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable, requesting deletion from your credit report in exchange. Formally assert your rights under the FDCPA if the collector violates regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is never ignoring a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 913-677-8379 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 913-677-8379 is a debt collector, they can potentially sue you or garnish your wages if the debt is legitimate. To avoid legal action, try negotiating affordable payments in writing, asserting your inability to pay and requesting they cease contact, or seeking guidance from a non-profit credit counselor. If you face a lawsuit, consider hiring a consumer law attorney to understand your rights and protections under the FDCPA and state law. If debts are overwhelming, consider bankruptcy as an option after consulting with an attorney. Document all calls, letters, and your efforts to address the debt to have a clear record.

Before settling, ensure the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing, and be aware that 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 913-677-8379 Is A Collection Company, How Can I Remove It From My Credit Report?

If 913-677-8379 is a debt collection company, first ensure the debt is legitimate by requesting written confirmation. If any information is incorrect, send a dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment, or hiring a credit repair service to dispute the debt on your behalf. Alternatively, wait for the 7-year credit reporting time limit to pass, or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws. Consult a consumer law attorney to review your case and potentially sue for removal and damages. Keep detailed records of your efforts to resolve the disputed collection account.

What Feedback And Comments Do People Leave About 913-677-8379?

People often leave feedback and comments about the phone number 913-677-8379, mentioning that they receive numerous calls from this number, which they suspect is related to Comenity Bank. These calls typically appear to be debt collection attempts, with callers not leaving messages and having an Indian accent. To ensure safety and protect personal information, users are advised to exercise caution when receiving calls from this number.

To handle such calls effectively, users can take various steps, such as blocking the number, sending cease and desist letters, or seeking guidance from credit counselors or attorneys. It is important to understand their rights under the Fair Debt Collection Practices Act (FDCPA) and document any potential violations.

Additionally, users can verify the legitimacy of the debt, dispute inaccuracies, and negotiate pay-for-delete agreements to resolve any outstanding issues. However, it is crucial to be cautious and consider calls from 913-677-8379 as potential scam calls, as users have reported multiple calls from this number and its association with Comenity Bank.