913-677-8394

What Company Is Calling Me From 913-677-8394? Are They A Scam And Why Are They Calling Me?

The phone number 913-677-8394 is associated with Community Bank and Comenity Bank, and it is typically used for customer calls regarding financial matters. However, this number has been reported as a spam call, so it is essential to be cautious when receiving calls from this number. The voicemail messages often relate to these banks, but other sources indicate that it could be a scam or telemarketing call. To protect your personal information, always verify the caller’s identity and intent before providing any information. If the call is from a debt collector, it is crucial to identify and validate the debt and explore options such as cease and desist letters, negotiation, or seeking professional help. If the debt is legitimate, you may face legal consequences, so it is important to avoid legal action through negotiation, credit counseling, hiring an attorney, or considering bankruptcy. Make sure to validate the debt authenticity with written confirmation, dispute inaccurate information, and negotiate pay-for-delete or goodwill deletion. Seek credit repair services for legal dispute assistance and maintain detailed records of all interactions and efforts.

How Can I Block Or Stop Calls From 913-677-8394?

To block or stop calls from 913-677-8394, first determine if the call is from a debt collector. If it is, follow these steps:

1. Contact your phone carrier to permanently block the number. Most major carriers offer call blocking through customer support or your online account.
2. Use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.
3. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

If the call is from a debt collector, you can also:

1. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.
2. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights.
3. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Remember, blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 913-677-8394 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 913-677-8394, it’s important to verify the caller’s identity and intent before sharing any personal information. The number is linked to Community Bank and Comenity Bank, which are used for customer calls related to financial matters. If the call is from a debt collector, make sure they are following the Fair Debt Collection Practices Act (FDCPA).

To protect your rights as a consumer, document the date, time, frequency, phone number, and details of all calls. This will help create a record of potential harassment or violations. You can also revoke any prior consent given to call outside normal hours, request the collector to cease contact at your workplace, and send a cease and desist letter via certified mail.

If necessary, contact your state Attorney General’s office or consult with a consumer protection attorney to explore your options, which may include suing for damages. Remember, the FDCPA is a crucial law that debt collectors must adhere to, and maintaining detailed records and asserting your rights can help prevent further harassment from debt collectors.

If 913-677-8394 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 913-677-8394 is a debt collector, the first step is to validate the debt. To do this, formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have validated the debt, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report.
3. Formally assert your rights under the FDCPA if they violate regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. 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 913-677-8394 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector at 913-677-8394 is a legitimate one, they have the legal right to sue you to recover the debt. In the case of a court judgment, they could potentially garnish your wages or bank accounts. To avoid such actions, you should negotiate a reasonable lump-sum or installment payment in writing, assert your inability to pay and request them to stop contacting you, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before deciding to settle, it’s important to ensure the proposed payment plan is genuinely affordable based on your budget, have any settlement terms or agreements in writing before making payments, be aware that the collector can still sue if you default on a settlement, and avoid agreeing to payments you can’t maintain. It’s essential to seek assistance to fully understand your options and rights in order to make well-informed decisions about settling a debt.

If 913-677-8394 Is A Collection Company, How Can I Remove It From My Credit Report?

If 913-677-8394 is a debt collection company, you can take several steps to potentially remove it from your credit report. First, validate the debt by requesting written confirmation and reviewing the details carefully. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf can also be helpful.

Another option is to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau, or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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 913-677-8394?

People who have encountered 913-677-8394 have left negative feedback, claiming that the number is associated with spam calls, robocalls, and debt collection attempts. The majority of these comments point to Comenity Bank as the source of these calls. However, it is suspected that the number could be a scammer or collection agency. The comments often mention New York and Company, Community Bank, and Comenity Bank. Due to the number’s reputation, it has been blocked by robocall blocking services. To ensure your safety, always verify the identity and intent of the caller before providing any personal information.