937-249-0049

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What Company Is Calling Me From 937-249-0049? Are They A Scam And Why Are They Calling Me?

The phone number 937-249-0049 is likely from a scammer or telemarketer in Aberdeen, Ohio, using SBC Internet Services. They make unsolicited calls for telemarketing or potential scams, often selling unwanted products like mechanical breakdown insurance or medical device waste collection. Their goal is typically to sell unnecessary items or gather personal or financial information dishonestly.

To identify if it’s a debt collector, ask the caller to provide their name, company, and reason for the call. If it’s a debt collector, make sure they follow the Fair Debt Collection Practices Act (FDCPA). If you suspect a scam, hang up and report the call to the Federal Trade Commission (FTC).

To protect yourself, block the number and request no further contact. Keep records of the calls, including date, time, and details. Consult with professionals, such as a lawyer or credit counselor, to help you understand your rights and options.

If the debt is legitimate, negotiate a payment plan or settlement with the debt collector. Consider credit repair services to remove the collection from your credit report. Be cautious of scammers posing as debt collectors or offering credit repair services. Always verify the legitimacy of any company or individual before providing personal or financial information.

How Can I Block Or Stop Calls From 937-249-0049?

If you’re receiving unwanted calls from 937-249-0049, there are steps you can take to block or stop these calls. First, let the calls go to voicemail and don’t answer directly to identify if it’s a debt collector. Once you’ve identified the number, block it using your phone carrier’s settings, call blocking apps, or your smartphone’s built-in call blocking feature.

Next, formally request no further contact by sending a cease and desist letter, and keep detailed records of the calls. If the calls persist, consult a non-profit credit counselor or a consumer protection attorney for guidance on addressing the underlying debt. Remember to adhere to the Fair Debt Collection Practices Act (FDCPA) throughout the process. If the debt is legitimate, negotiate a payment plan or settlement, and consider credit repair services to remove the collection from your credit report.

Is 937-249-0049 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re questioning whether 937-249-0049 is breaching the Fair Debt Collection Practices Act (FDCPA), it’s important to understand your rights as a consumer. The FDCPA shields you from abusive or unjust debt collection practices, including harassment, false threats, or misleading information.

To determine if the caller is adhering to the FDCPA, note the date, time, frequency, phone number, and details of all calls. Take particular notice of whether they call outside the permitted hours or use abusive language. If you believe they are violating the FDCPA, you have the right to revoke consent, request no further contact, and seek assistance from the Consumer Financial Protection Bureau, a consumer protection attorney, or your state Attorney General’s office.

If the phone number 937-249-0049 is indeed a debt collector, make sure they are following the FDCPA guidelines. If they continue to violate your rights, you can take legal action. Remember, it’s vital to adhere to the FDCPA to protect yourself from unscrupulous debt collectors or scammers.

If 937-249-0049 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 937-249-0049 is a debt collector, it is essential to validate the debt and understand your options. First, request written validation from the debt collector to confirm the debt’s legitimacy. Carefully review the details for accuracy and dispute any errors. If the debt is not yours, inform the collector and request no further contact. Remember to adhere to the Fair Debt Collection Practices Act (FDCPA), which protects your rights.

To validate the debt, gather information such as your name, address, account number, and the debt amount. Keep records of all communication with the debt collector, including dates, times, and details discussed. Consult a professional, such as a consumer protection attorney or credit counselor, to help you navigate the process.

If the debt is legitimate, negotiate a settlement or payment plan that works for your financial situation. Be cautious of scammers posing as debt collectors; if you suspect fraud, report it to the Federal Trade Commission (FTC) and your state attorney general’s office. Additionally, consider credit repair services to remove the collection from your credit report if it is legitimate and paid.

Can 937-249-0049 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 937-249-0049 is a debt collector, they have the legal right to sue you or garnish your wages to collect the debt. It’s essential to address the debt to prevent potential legal actions. Negotiate affordable payment plans, assert your inability to pay, seek help from credit counselors or attorneys, and consider bankruptcy if necessary. Document all interactions with the collector. Settling the debt can help avoid lawsuits, but ensure the terms are realistic and affordable for your budget. If the debt is not legitimate, report it to the authorities.

If 937-249-0049 Is A Collection Company, How Can I Remove It From My Credit Report?

If 937-249-0049 is a collection company, first verify its legitimacy by researching the number and the company it represents. If the debt is legitimate, request written confirmation and review it for accuracy. Dispute any inaccuracies in writing and demand their removal.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service to help remove the collection from your credit report. Alternatively, wait for the 7-year time limit, after which the collection will automatically drop from your report.

Additionally, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office. Consulting an attorney may be necessary if the situation becomes complicated or if you need legal advice. Maintain detailed records of all communication, including dates, times, and details of the conversation, to protect your rights and ensure a smoother resolution.

What Feedback And Comments Do People Leave About 937-249-0049?

People have left various feedback and comments about the phone number 937-249-0049, primarily expressing concerns over potential telemarketing or scam calls. Users report receiving calls from unknown callers offering products or services without clear identification. In some cases, these calls are considered unsolicited spam. Even when users place their number on the “Do Not Call List,” they still receive calls from this number. The general consensus online is that 937-249-0049 is an unknown or potentially fraudulent caller.

You must check your credit report

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