936-298-7020

What Company Is Calling Me From 936-298-7020? Are They A Scam And Why Are They Calling Me?

The phone number 936-298-7020 is suspected to be a scam or charity scam, possibly related to law enforcement. It is a landline or mobile phone in Texas, USA. Users have reported receiving robocalls or recorded messages from this number, but no specific company is mentioned. Be cautious when receiving calls from this number and do not provide personal information. If you suspect it is a scam, report it to the appropriate authorities.

In a nutshell, the number 936-298-7020 is often associated with potential scams and robocalls. It is essential to be cautious and not provide any personal information when receiving calls from this number. If you think the call is illegitimate, report it to the proper authorities to protect yourself and others from potential scams.

How Can I Block Or Stop Calls From 936-298-7020?

To block or stop calls from 936-298-7020, follow these steps:

1. Determine if it’s a debt collector: Let unknown calls go to voicemail and check messages for any indication that it’s a debt collector.

2. Block the number: Contact your phone carrier to permanently block the number, or use call blocking apps like Nomorobo or Hiya. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

3. Request no further contact: 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.

4. Get help addressing 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.

5. Monitor voicemail messages: Check voicemails to monitor any messages from the identified collector.

Blocking calls does not eliminate any legitimate debts owed. By taking proactive steps to stop harassment, you can address any outstanding debts while protecting yourself from potential scams and harassment.

Is 936-298-7020 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from 936-298-7020 and suspect it’s violating the Fair Debt Collection Practices Act (FDCPA), you have rights as a consumer. Document any potential violations, such as calls outside allowed hours, excessive frequency, or abusive language. To protect yourself, revoke consent for calls outside normal hours, request no further contact at your workplace, and send a cease and desist letter.

You can also verbally request them to stop calling during a conversation. Report any violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. If the debt is legitimate, follow steps to validate the debt, negotiate a settlement or payment plan, and adhere to your rights under the FDCPA. If the debt is not legitimate, dispute any inaccuracies and consider hiring a credit repair service to remove it from your credit report.

If 936-298-7020 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 936-298-7020 is a debt collector and validate the debt, follow these steps:

1. Request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA.
2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, 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. Request deletion from your credit report in exchange.
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 936-298-7020 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 936-298-7020 is a debt collector, they have the legal right to sue you for the amount owed and potentially garnish your wages if they obtain a court judgment. To avoid legal action, you can negotiate affordable payments, assert your inability to pay, seek help from a credit counselor or attorney, or consider bankruptcy. Before settling, ensure the payment plan is realistic, get any agreements in writing, and understand the potential consequences of defaulting on a settlement. Always seek professional guidance to understand your rights and options.

If 936-298-7020 Is A Collection Company, How Can I Remove It From My Credit Report?

If 936-298-7020 is a debt collection company, it’s crucial to first verify if the debt is legitimate by requesting written confirmation. Carefully review the validation to ensure the debt information and your personal details are accurate. If there are any inaccuracies, dispute the debt in writing as per the Fair Credit Reporting Act.

If the collector verifies the debt is valid, consider these steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal. This may require a lump-sum settlement.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, they are not obligated to remove it without a formal agreement.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to help in getting it removed.
4. Wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. 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 potentially remove collections from your credit report through persistence and proper documentation. But always remember to first focus on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 936-298-7020?

936-298-7020 has received a significant amount of negative feedback, with users reporting robocalls or recorded messages. Users have associated the phone number with potential scams or illegitimate charity solicitations. To address this issue, users should identify if the calls are from a debt collector, block the number, and report any suspected scams. Monitoring voicemail messages and being prepared to deal with potential legal action is crucial if the debt is legitimate.

To validate the debt, request written validation of the debt, review the validation for accuracy, negotiate a settlement or payment plan, and assert rights under the Fair Debt Collection Practices Act (FDCPA). To remove the debt from your credit report, first validate the debt’s legitimacy, dispute any inaccuracies, negotiate a pay-for-delete agreement, and consider hiring a credit repair service if necessary.

In conclusion, 936-298-7020 has received mostly negative feedback and comments, with users reporting robocalls or recorded messages. It is essential to identify the nature of the calls, block the number, report suspected scams, and take appropriate steps to deal with potential debt collection or credit report issues.