916-800-9168

What Company Is Calling Me From 916-800-9168? Are They A Scam And Why Are They Calling Me?

The company calling you from 916-800-9168 is Fingerhut, a catalog and online merchant. They sell furniture, electronics, and other household items. Users have reported multiple voicemails from this number, urging them to contact “Fetty” about an urgent business matter. Although it’s not a traditional scam, the aggressive and persistent nature of the calls may be considered a nuisance or privacy violation. If you do not wish to be contacted, consider blocking the number or reaching out to Fingerhut directly.

How Can I Block Or Stop Calls From 916-800-9168?

To block or stop calls from 916-800-9168, first determine if the unknown number is a debt collector. If it is, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya. Additionally, 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. Seek assistance from a non-profit credit counselor to negotiate debt resolution or consult a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Keep in mind that blocking calls does not eliminate any legitimate debts owed. By taking proactive steps, you can stop harassment while addressing any outstanding debts.

Is 916-800-9168 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. If the number 916-800-9168 is violating the FDCPA, you have certain rights as a consumer to protect yourself.

First, document any potential FDCPA violations by noting the date, time, frequency, phone number, and details of all calls. Keep track of any calls outside of the allowed hours of 8 am-9 pm in your time zone, multiple calls within a short period, or any abusive, threatening, or obscene language used.

Next, assert your rights by revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter, or verbally requesting them to stop calling during any conversation.

If violations persist, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Lastly, ask an experienced credit counselor how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 916-800-9168 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 916-800-9168 is a debt collector, you can validate the debt by requesting written validation of the debt through a debt validation letter. This is a legal requirement under the FDCPA. Carefully review the validation for accuracy, checking for personal details, creditor name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider negotiating 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 and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or 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 916-800-9168 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 916-800-9168 is a debt collector, they can potentially sue you for the amount owed and garnish your wages or bank accounts if they obtain a court judgment. To avoid legal action, negotiate a payment plan in writing, assert inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before settling, make sure the proposed payment plan is affordable based on your budget, get any settlement terms or agreements in writing, be aware a collector can still sue if you default on a settlement, and don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

In a nutshell, it’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA) and report any violations. Verify the identity of the caller and report any suspected scams to authorities.

If 916-800-9168 Is A Collection Company, How Can I Remove It From My Credit Report?

If 916-800-9168 is a debt collection company, the first step to remove it from your credit report is to validate if the debt is legitimate. Request written confirmation from the collection agency and review the validation carefully to ensure the personal details and debt information are accurate. If there are any inaccuracies, send a written dispute stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing, offering a good faith partial settlement payment and requesting deletion, or hiring a credit repair service to dispute the debt on your behalf. Another option is to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

In case of collector violations, 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. Keep detailed written records showing your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 916-800-9168?

When you receive a call from 916-800-9168, be aware that it might be associated with a person or entity called “Fetty” or “Fingerhut Fetti.” These calls may involve urgent business matters and have raised scam suspicions among some recipients. To ensure your safety and security, always verify the identity of the caller and the purpose of their call before disclosing any personal information. If you suspect a scam, report it to the Federal Trade Commission (FTC) or local law enforcement. Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and take the necessary steps to protect yourself from potential legal repercussions related to unpaid debt.