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What Company Is Calling Me From 931-295-0038? Are They A Scam And Why Are They Calling Me?

Stoneleith Recovery Services is the company calling from 931-295-0038. They are attempting to collect a debt from someone who passed away in 2016, which is illegal. Stoneleith Recovery Services has faced numerous complaints, indicating they might be involved in unethical debt collection practices. It is highly probable that this call is a scam.

If you receive a call from this number, do not give any personal information or make any payments. Instead, keep an eye on your voicemails and consider blocking the number. To tackle the underlying debt issue and protect yourself from further scams, consult a non-profit credit counselor or attorney.

How Can I Block Or Stop Calls From 931-295-0038?

First, determine if the calls are from a debt collector by letting it go to voicemail and checking the messages. If it is, contact your phone carrier to block the number or use a call blocking app on your device. Next, send a cease and desist letter to request no further contact from the collector, ensuring it is drafted by a non-profit credit counselor or attorney. Keep monitoring your voicemails for any messages from the identified collectors. If you face persistent calls or complicated situations, consult a non-profit credit counselor or attorney to handle the underlying debt and any potential legal actions. By following these steps, you can effectively stop calls from 931-295-0038 and protect yourself from debt collectors.

Is 931-295-0038 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re questioning if the phone number 931-295-0038 is breaching the Fair Debt Collection Practices Act (FDCPA), it’s crucial to comprehend your rights as a consumer. Under the FDCPA, you have the right to be treated fairly during debt collection calls.

Initially, keep track of all calls by documenting the date, time, frequency, phone number, and details. Remember that debt collectors cannot call outside of specific hours or use abusive language. If this occurs, revoke your consent for calls outside normal hours and request no contact at work.

Secondly, send a cease and desist letter to the debt collector if you no longer wish to receive calls. This will legally require them to stop contacting you.

Lastly, report any violations to the Consumer Financial Protection Bureau (CFPB) and consult a consumer protection attorney or credit counselor for guidance. By following these steps, you can protect yourself and ensure your rights are being respected during debt collection calls.

If 931-295-0038 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 931-295-0038 and it is a debt collector, the first step to validate the debt is to request written validation from the collector. Review the written validation for accuracy and dispute any inaccuracies. Keep in mind that you have the right to do this under the Fair Debt Collection Practices Act (FDCPA).

If the debt is accurate, consider negotiating a settlement or payment plan. You can also assert your FDCPA rights, such as asking the collector to stop calling you or only contacting you through written correspondence.

Another option is to consult a credit counselor for guidance on managing your debt. If the situation becomes complicated or you believe the collector is violating your rights, consider contacting an attorney for legal advice.

It is essential to keep records of all correspondence and calls, and revoke any permission given for contact outside FDCPA guidelines. If you suspect the debt collector is a scam, monitor your voicemails, block the number, and report the incident to the appropriate authorities.

Can 931-295-0038 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 931-295-0038, it may be a debt collector attempting to recover a debt. If the debt is legitimate, they could sue you, leading to wage or bank account garnishment. To avoid legal action, negotiate affordable payments, assert inability to pay, seek credit counseling, hire an attorney, or consider bankruptcy. Always document calls and efforts to address the debt. Be cautious when settling, as it may do long-term financial harm if you can’t maintain payments.

If 931-295-0038 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if the debt is legitimate by requesting written confirmation from the collection agency. Ensure the information is accurate by disputing any incorrect details according to the Fair Credit Reporting Act. If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement, or hiring a credit repair service to help remove the collection. Another option is to wait for the 7-year time limit, during which the collection will naturally fall off your credit report. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB) or consult a consumer law attorney for further assistance in removing the collection from your credit report. Remember to maintain detailed records of your efforts and focus on validating the debt first.

What Feedback And Comments Do People Leave About 931-295-0038?

Stoneleith Recovery Associates is a debt collection agency based in Clarksville, Tennessee, and is associated with the phone number 931-295-0038. Users have left various feedback and comments about this number, mostly expressing concerns regarding the agency’s practices. Stoneleith has been reported to call about debt collection, and in some cases, they have attempted to collect debts from individuals who passed away in 2016. This is illegal and indicates that the company may be involved in scams.

Stoneleith Recovery Services has a history of complaints, leading users to be wary of their intentions. To protect themselves, users are advised not to provide any personal information or make payments over the phone. It is essential to monitor voicemails and block the number to avoid any further contact. In case of any debt-related issues, it is recommended to consult a non-profit credit counselor or attorney for assistance.

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