951-813-2414

What Company Is Calling Me From 951-813-2414? Are They A Scam And Why Are They Calling Me?

The company calling you from 951-813-2414 is Pacific Mortgage Group. They are a legitimate mortgage lender, but they have been reported for making unsolicited calls to individuals who have recently applied for a mortgage with another company. This behavior has led to suspicions of scamming and telemarketing, as well as causing frustration due to the aggressive and intrusive nature of their calls. It is advised to be cautious when receiving calls from this number and consider using call-blocking services to manage unwanted calls.

Ultimately, if you receive a call from Pacific Mortgage Group, ensure you verify the legitimacy of the debt and avoid providing any personal information or making payments over the phone. To protect yourself from potential scams and aggressive calls, consider seeking help from non-profit credit counselors or consumer protection attorneys. Monitor your voicemail for messages from identified collectors and document any calls you receive. Report violations to the Consumer Financial Protection Bureau, consult with an attorney, or contact the state attorney general’s office. Request written validation of the debt via a debt validation letter and negotiate a settlement or payment plan to avoid legal action. Validate the debt’s legitimacy, dispute inaccuracies, and negotiate a pay-for-delete agreement or partial settlement.

How Can I Block Or Stop Calls From 951-813-2414?

To stop unwanted calls from 951-813-2414, first identify if it’s a debt collector. Don’t answer unknown calls and let them go to voicemail. If it’s a debt collector, contact your phone carrier to block the number or use call-blocking apps. Then, send a cease and desist letter via certified mail. Keep records of calls and consider legal action if needed. Consult a non-profit credit counselor or attorney for help with outstanding debts and monitor voicemails from collectors. By taking these steps, you can effectively stop harassment and address any outstanding debts.

Is 951-813-2414 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

First, you need to document all calls from the number 951-813-2414, noting the date, time, frequency, phone number, and details. If they call outside the allowed hours of 8 am – 9 pm in your time zone, repeatedly call over a short period, or use abusive language, this could be a violation of the Fair Debt Collection Practices Act (FDCPA).

To protect yourself, you can revoke any prior consent given to call outside normal hours, formally request them to cease contact at your workplace, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation.

If you suspect an FDCPA violation, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

It’s crucial to adhere to the FDCPA and assert your rights to prevent further harassment from debt collectors. Keep detailed records and don’t hesitate to take action if needed.

If 951-813-2414 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, if you receive a call from 951-813-2414, ask the caller to identify themselves and the purpose of the call. Next, research the company behind the number, Pacific Mortgage Group, to confirm if they are a legitimate debt collector. If the call is from a debt collector, request written validation of the debt by sending a debt validation letter. Carefully review the validation for accuracy, disputing any incorrect or unrecognized information. Negotiate a reasonable payment plan or settlement in writing before sending any payment. Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. Consult a non-profit credit counseling agency for guidance on debt resolution. If the collector violates regulations under the FDCPA, consult an attorney to understand if bankruptcy or legal action against the collector are viable options. Keep detailed records of all correspondence and calls for potential complaints. Finally, revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Can 951-813-2414 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is legitimate, they can potentially sue you to recover the owed amount. If they win a court judgment, your wages or bank accounts may be garnished. To avoid legal action, you can negotiate a lump-sum or installment payment plan, assert your inability to pay and request they stop contacting you, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy as an option. Before agreeing to settle, make sure the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing, and be aware that the collector can still sue if you default on a settlement. Settling may make sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 951-813-2414 Is A Collection Company, How Can I Remove It From My Credit Report?

If you suspect that 951-813-2414 is a collection company, first confirm if the debt is legitimate by requesting written confirmation from the collection agency. Review the details carefully and dispute any inaccuracies as per the Fair Credit Reporting Act. If the debt is valid, you can negotiate a pay-for-delete agreement, offer a good faith partial settlement payment, or hire a credit repair service to dispute the debt. Alternatively, wait for the 7-year credit reporting time limit or file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney may also be beneficial to review if the collector broke laws and sue for removal and damages. Maintain detailed written records of your efforts to resolve the disputed collection account, and through persistence and proper documentation, you can potentially remove collections from your credit report.

What Feedback And Comments Do People Leave About 951-813-2414?

Many people have left negative feedback and comments about the phone number 951-813-2414, associated with Pacific Mortgage Company. Users often report receiving unsolicited calls and telemarketing attempts, which may be due to an illegal autodialer. To avoid these issues, users advise not to answer these calls or engage with the company. To protect yourself, consider using call-blocking services, identifying unknown callers as debt collectors and blocking their numbers, seeking help from non-profit credit counselors or consumer protection attorneys, monitoring voicemail for messages from identified collectors and documenting calls, reporting violations to the Consumer Financial Protection Bureau, consulting with an attorney, or contacting the state attorney general’s office. In case of a debt collection issue, request written validation of the debt, dispute inaccuracies, and negotiate a pay-for-delete agreement or partial settlement to avoid legal action.