970-399-1382

What Company Is Calling Me From 970-399-1382? Are They A Scam And Why Are They Calling Me?

The company calling from 970-399-1382 is Bankard Relief, a debt relief company that often uses this number for telemarketing purposes. They typically call about reducing interest rates on loans. While there isn’t definitive evidence of a scam, many recipients do not have loans with Bankard Relief, raising suspicions. To avoid unwanted calls, hang up and report the call to the FTC or a consumer protection agency. Additionally, add your number to the National Do Not Call Registry for further protection.

How Can I Block Or Stop Calls From 970-399-1382?

First, determine if the calls are from a debt collector by letting unknown calls go to voicemail and checking for messages. Once identified, you can take action to block the number. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya.

To stop further calls, formally request no further contact by sending a cease and desist letter via certified mail. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Get help addressing the underlying debt by consulting a non-profit credit counselor or speaking to a consumer protection attorney.

Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 970-399-1382 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you suspect that the phone number 970-399-1382 is violating the Fair Debt Collection Practices Act (FDCPA), it’s essential to know your rights as a consumer. Under the FDCPA, you have the right to be treated fairly and respectfully by debt collectors.

First, document any potential violations. Keep track of the dates, times, frequency, and details of their calls. Note if they call outside of the allowed hours (8 am – 9 pm in your time zone), call too often in a short period, or use abusive language.

Next, assert your rights. Revoke any prior consent given for calls outside normal hours, request them to stop calling your workplace if it’s prohibited, send a cease and desist letter via certified mail, and verbally ask them to stop calling during any conversation.

Lastly, seek assistance on the next steps. Report any violations with documentation to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, contact your state Attorney General’s office, or ask a credit counselor for guidance on addressing the debt without further collection calls.

By adhering to the FDCPA, collectors are required to treat you fairly and respectfully. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 970-399-1382 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, identify if the caller is attempting to collect a debt. If so, request written validation of the debt, as required by the Fair Debt Collection Practices Act (FDCPA). Review the validation for accuracy, disputing any incorrect information and requesting removal from your credit report.

Consider negotiating a settlement or payment plan, offering partial payment if affordable, and seeking guidance from professionals such as credit counseling agencies or attorneys. If the collector violates FDCPA regulations, assert your rights and consider legal action. Keep detailed records of all correspondence and calls, and revoke any prior permission given to contact you outside FDCPA guidelines. Ultimately, confirm the debt’s validity and exercise your consumer rights under federal and state law to determine the best path to resolution.

Can 970-399-1382 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is calling you about a legitimate debt, they have the legal right to sue you and potentially garnish your wages to recover the amount owed. To avoid legal action, you can negotiate a payment plan, assert your inability to pay and request they cease contact, seek credit counseling, or consider bankruptcy if debts are overwhelming. Document all communication and efforts to address the debt.

Before deciding to settle, carefully evaluate the affordability of the proposed payment plan, get any settlement terms in writing, and be aware that the collector can still sue if you default on the agreement. Make sure to understand your options and rights before settling on a lump sum you can’t afford, as it may cause more long-term financial harm.

If 970-399-1382 Is A Collection Company, How Can I Remove It From My Credit Report?

If 970-399-1382 is a debt collection company, follow these steps to potentially remove it from your credit report:

1. First, validate if the debt is legitimate by requesting written confirmation from the collection agency. Carefully review the validation to ensure your personal details and the debt information are accurate.

2. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

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

a. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
b. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
c. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
d. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
e. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
f. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

4. Keep detailed written records showing your efforts to resolve the disputed collection account.

5. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation.

6. But first, focus on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 970-399-1382?

When people receive calls from 970-399-1382, they often associate it with telemarketing calls from “Bankard Relief” or “Bank Card Relief,” offering to reduce credit card interest rates. Feedback and comments about this number are mostly negative, as callers often receive multiple calls per week and face difficulties being removed from the call list. Some individuals have reported the number to the Better Business Bureau and considered legal action due to the constant nuisance.

To address the issue of unwanted calls, request written validation of the debt and dispute any inaccuracies. Negotiating a settlement or payment plan with the debt collector can be beneficial, and seeking professional guidance can help navigate the process. Understanding potential legal consequences, including lawsuits and wage garnishment, is essential.

To remove the debt from credit reports, validate the debt’s authenticity and work towards having it removed. Researching feedback on the number and filing complaints with the Better Business Bureau can help raise awareness about the issue and potentially lead to improvements in the telemarketing industry.