917-391-5961

What Company Is Calling Me From 917-391-5961? Are They A Scam And Why Are They Calling Me?

The phone number 917-391-5961 is located within the 917 area code, serving parts of New York City and surrounding areas. It is difficult to determine if the caller is a scam without more information about the specific call. Potential callers could be telemarketers, political campaigns, or scammers. To protect your personal information, allow unknown calls to go to voicemail for further identification. If the call is from a debt collector, block the number, send a cease and desist letter, and report any violations to the Consumer Financial Protection Bureau. Consult a consumer protection attorney for guidance on your rights and options. If the debt is legitimate, negotiate a payment plan or settlement to avoid legal action. To potentially remove the number from your credit report, negotiate a pay-for-delete agreement or hire a credit repair service.

How Can I Block Or Stop Calls From 917-391-5961?

First, let the unknown calls go to voicemail to determine if the caller is a debt collector. If it is, contact your phone carrier to block the number or use call blocking apps. Next, send a cease and desist letter to formalize your request for no further contact, and keep detailed records of calls. Address any underlying debt by consulting a non-profit credit counselor or speaking to a consumer protection attorney. If the debt is legitimate, negotiate a payment plan or settlement to avoid legal action. Finally, you may be able to remove the number from your credit report by negotiating a pay-for-delete agreement or hiring a credit repair service.

Is 917-391-5961 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’ve been receiving calls from 917-391-5961, you should know that the Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive and harassing debt collection practices. Document the details of the call, such as the date, time, frequency, and any violations of the FDCPA. Report any violations to the Consumer Financial Protection Bureau or your state Attorney General’s office.

To understand your rights and options under the FDCPA, consult a consumer protection attorney. They can help you comprehend the specific protections you have during debt collection calls. Moreover, a credit counselor can provide guidance on managing and addressing the debt without further collection calls.

If you believe the debt is legitimate, negotiate a payment plan or settlement to avoid legal action. In some cases, you may be able to remove the number from your credit report by negotiating a pay-for-delete agreement or hiring a credit repair service. However, always prioritize your financial well-being and avoid engaging with scammers or unethical debt collectors.

If 917-391-5961 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 917-391-5961 is a debt collector, your first step is to validate the debt by requesting written validation from them. Carefully review the information for any errors and dispute anything that seems incorrect. If the debt is legitimate, explore options such as negotiating a settlement or setting up a payment plan to prevent legal action. Remember to assert your rights under the Fair Debt Collection Practices Act (FDCPA) and consider seeking guidance from a credit counselor. If you need legal advice, consult an attorney. Maintain records of all correspondence and calls, and make sure you only allow contact within the guidelines of the FDCPA.

Can 917-391-5961 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector with the phone number 917-391-5961 is attempting to collect a legitimate debt, they have the legal right to sue you to recover the amount owed. If they obtain a court judgment, they could potentially garnish your wages or bank accounts. To avoid legal action, consider the following steps:

1. Negotiate affordable payments: Work with the collector to establish a payment plan that fits your budget.
2. Assert inability to pay: If you genuinely cannot afford the payments, inform the collector and provide documentation to support your claim.
3. Seek guidance from a non-profit credit counselor: They can help you create a debt management plan and negotiate with collectors on your behalf.
4. Hire a consumer law attorney: They can advise you on your rights and help you navigate the debt collection process.
5. Consider bankruptcy: This may be an option if your debts are overwhelming and you have no other options for repayment.
6. Thoroughly document calls and efforts to address the debt: Keep records of all communication with the collector and any actions taken to resolve the debt.

Before agreeing to settle the debt, ensure the payment plan is affordable, get the terms in writing, and be aware that the collector can still sue if you default on the settlement. To protect yourself from potential scams, let unknown calls go to voicemail and report any suspicious calls to the appropriate authorities.

If 917-391-5961 Is A Collection Company, How Can I Remove It From My Credit Report?

If 917-391-5961 is a collection company, first verify if it’s a legitimate debt collector. If the debt is not accurate, dispute it under the Fair Credit Reporting Act. To potentially remove it, negotiate a pay-for-delete agreement, offer a good faith settlement, or hire a credit repair service. Alternatively, wait for the 7-year limit or file a complaint with the Consumer Financial Protection Bureau. If legal assistance is needed, consult a consumer law attorney. Keep detailed records of your efforts to resolve the issue.

What Feedback And Comments Do People Leave About 917-391-5961?

People generally leave no specific feedback or comments about the phone number 917-391-5961. However, similar numbers from area codes 202 and 916/917 are often linked to telemarketing or spam calls. This might indicate that the number could receive complaints or requests to be removed from calling lists. More information is needed to give a complete analysis of this number.

To protect personal information, allow unknown calls to go to voicemail for identification purposes. If it’s a debt collector, block the number and send a cease and desist letter. Report any violations to the Consumer Financial Protection Bureau. If the debt is legitimate, negotiate a payment plan or settlement to avoid legal action. To potentially remove the number from your credit report, consider a pay-for-delete agreement or hire a credit repair service.