You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE

What Company Is Calling Me From 934-202-8351? Are They A Scam And Why Are They Calling Me?

Firstly, the number 934-202-8351 is linked to the National Police and Trooper Association, a charity organization. Many users have reported receiving spam calls from this number, likely as part of a robocall or telemarketing campaign. These robocalls deliver pre-recorded messages, often intending to sell products or services. They can be disruptive and sometimes fraudulent. The National Police and Trooper Association use this number to inform people about a “zero-interest, federally-designated settlement program” for credit card debt consolidation. The Federal Trade Commission advises against responding to such calls, particularly if they request personal information or payment. To counter such calls, use reverse phone lookup services like Nomorobo or Robokiller to identify callers and block unwanted calls. Furthermore, you can file a complaint with the FTC if you receive a suspicious call.

How Can I Block Or Stop Calls From 934-202-8351?

To block or stop calls from 934-202-8351, first identify if it is a debt collector by letting unknown calls go to voicemail and not answering directly. Then, contact your phone carrier to permanently block the number or use call blocking apps to automatically block the number at the network level. 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. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice and send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

To address the underlying debt, consult a non-profit credit counselor to help negotiate resolution of the debt or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember that blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 934-202-8351 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 934-202-8351, it is crucial to identify if the unknown call is from a debt collector and utilize tools to block the number. The Fair Debt Collection Practices Act (FDCPA) provides you with specific protections and rights as a consumer regarding debt collection calls.

To establish a case for potential FDCPA violations, such as calls outside allowed hours, excessive frequency, or abusive language, it is essential to document these occurrences. As a consumer, you have the right to revoke any prior consent given to call outside normal hours, request cessation of contact at your workplace, send a cease and desist letter, and verbally request the collector to stop calling during any conversation.

If violations persist, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance. By adhering to the FDCPA, debt collectors are required to respect your rights and prevent further harassment.

If 934-202-8351 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, identify if the unknown call is from a debt collector. If it is, request written validation of the debt by mailing a debt validation letter. The collector is legally required to provide this under the FDCPA. Once you receive the validation, review it for accuracy, and dispute any incorrect or unrecognized information.

If the debt is validated, consider negotiating a settlement or payment plan with the collector. Offer a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. If you can afford it, consider offering 30-50% of the balance and request deletion from your credit report.

Assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency or attorney for help. You can also seek professional assistance to ensure a fair outcome. Keep detailed records of all correspondence and calls for potential complaints.

If the collector contacted you outside FDCPA guidelines, revoke any prior verbal or written permission. Always confirm the legitimacy of any potential debt collector and exercise your consumer rights under federal and state law before determining the best path to resolution.

Can 934-202-8351 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector from 934-202-8351, it’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). If they violate these rights, you can take action. To avoid legal issues, try negotiating an affordable payment plan in writing, asserting your inability to pay, or requesting them to stop contacting you. You can also seek help from a non-profit credit counselor or consult a consumer law attorney for guidance on your protections under the FDCPA and state law. If your debts become overwhelming, bankruptcy might be an option.

Before settling, ensure the proposed payment plan is within your budget and get any settlement terms or agreements in writing before making payments. Remember, collectors can still sue if you default on a settlement. Settling may be a practical choice to avoid legal action, but don’t agree to payments you can’t maintain in the long run. Always seek assistance to understand your options and rights before making any decisions.

If 934-202-8351 Is A Collection Company, How Can I Remove It From My Credit Report?

If 934-202-8351 is a debt collection company, you can remove it from your credit report by first validating the debt. Request written confirmation from the collector and review the validation carefully to ensure your personal details and debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

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 and providing legal resources to assist in getting it removed is another option.

You can also wait for the 7-year credit reporting time limit for the collection to automatically fall off your report or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another route to explore.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 934-202-8351?

People often leave negative feedback and comments about 934-202-8351, stating that it is a spam number associated with robocalls and scams. The National Police and Trooper Association, a non-legitimate organization, uses this number to scam people. With 2,004 total calls and 24 user reports as of April 26, 2023, users complain about receiving unsolicited calls for credit relief, health plans, and loans. To protect yourself, be cautious when receiving calls from unknown numbers and do not provide personal information over the phone unless you have initiated the call and verified the recipient’s legitimacy.

To sum up, be cautious when receiving calls from unknown numbers like 934-202-8351, and do not provide personal information over the phone. Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA) and take action if violations occur. If you believe the call is from a debt collector, block the number and identify the debt collector. Request written validation of the debt, dispute any incorrect information, and be aware of potential legal action and consequences if unable to maintain payments. Lastly, validate the debt’s legitimacy, negotiate a pay-for-delete agreement, or file a complaint with the Consumer Financial Protection Bureau to remove the debt from your credit report.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE