978-332-5480

What Company Is Calling Me From 978-332-5480? Are They A Scam And Why Are They Calling Me?

The phone number 978-332-5480 is associated with the debt collection agency Valentine Kebartas, LLC. They may be calling to collect debts, but they have been accused of harassment and scamming. To determine if they are a scam and why they are calling, you can research their reputation online, check if they are a licensed debt collection agency, and see if they are registered with the Better Business Bureau. If you have been harassed by them, you can file a complaint with the Federal Trade Commission (FTC), the Federal Communications Commission (FCC), and the Do Not Call Registry. Additionally, you can take legal action against them for potential restitution. To prevent further calls, block the number by contacting your phone carrier or using call blocking apps, and send a cease and desist letter. Consult a credit counselor or consumer protection attorney to address any underlying debt and ensure your rights are protected.

How Can I Block Or Stop Calls From 978-332-5480?

First, let the call go to voicemail and identify if it’s a debt collector. Avoid answering unknown calls directly. Next, block the number by contacting your phone carrier or using call blocking apps. To formalize your request, send a cease and desist letter. Keep records of calls for potential legal action. Consult a credit counselor or consumer protection attorney to address any underlying debt. Blocking calls won’t eliminate debts, but it stops harassment and helps address outstanding debts.

Is 978-332-5480 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is in place to safeguard consumers from harassment and mistreatment during debt collection calls. If you think the number 978-332-5480 is breaching the FDCPA, it’s crucial to document the details of the calls, including date, time, frequency, and any inappropriate language or actions from the collectors.

As a consumer, you have the right to deny calls outside of regular hours and request that the collectors stop contacting you. If they keep harassing you, send a cease and desist letter and report the violations to the Consumer Financial Protection Bureau. Furthermore, consider consulting a consumer protection attorney for advice on your specific situation.

In conclusion, it is vital to protect your rights as a consumer and take action against any potential harassment or FDCPA violations.

If 978-332-5480 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 978-332-5480 and suspect it’s a debt collector, follow these steps to validate the debt and explore your options. First, send a debt validation letter to the collector, as required by the Fair Debt Collection Practices Act (FDCPA). The collector must provide the debt information within 5 days.

Review the validation carefully and dispute any incorrect information. If the debt is valid, consider negotiating a settlement or payment plan while asserting your rights under the FDCPA. Seek help from a credit counselor or consult an attorney for potential bankruptcy or legal action.

Maintain detailed records of all communications and never ignore collectors. If the calls continue despite your requests to stop, file complaints with the Federal Trade Commission (FTC), Federal Communications Commission (FCC), and Do Not Call Registry. Contact your phone carrier to block the number or use call blocking apps.

In cases of harassment or scamming, consider taking legal action for potential restitution. Additionally, consult a consumer protection attorney to address any underlying debt issues.

Can 978-332-5480 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 978-332-5480 is a debt collector, they have the legal right to sue you for the outstanding amount if you don’t pay. If they win a court judgment, your wages or bank accounts could be garnished. To avoid legal action, try negotiating affordable payments, asserting your inability to pay, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy.

Before settling, make sure terms are in writing and the payment plan is affordable. Settling can help avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights.

In the end, if the debt collector is aggressive or violating your rights, consider taking legal action for potential restitution. File complaints with the FTC, FCC, and Do Not Call Registry, and block the number by contacting your phone carrier or using call blocking apps. Send a cease and desist letter, and consult a credit counselor or consumer protection attorney to address any underlying debt.

If 978-332-5480 Is A Collection Company, How Can I Remove It From My Credit Report?

If you find that 978-332-5480 is a collection company on your credit report, it’s crucial to first verify the debt’s legitimacy by requesting written confirmation from the agency. If any details are incorrect, dispute the information in writing. To remove the collection from your report, consider negotiating a pay-for-delete agreement, offering a good faith settlement, hiring a credit repair service, waiting for the debt to expire, filing a complaint, or consulting an attorney if necessary. Remember to maintain detailed records and focus on validating the debt first. By following these steps and seeking professional help when needed, you can work towards resolving the issue and removing 978-332-5480 from your credit report.

What Feedback And Comments Do People Leave About 978-332-5480?

People who receive calls from the phone number 978-332-5480 often leave feedback and comments about their experiences with the debt collection agency, Valentine Kebartas. They report feeling harassed by persistent and sometimes rude callers who question their finances and make threats. Valentine Kebartas has faced lawsuits for consumer rights violations, suggesting a pattern of complaints about their collection practices. To address these issues, individuals should file complaints with authorities like the FTC, FCC, and Do Not Call Registry. Taking legal action against the agency may also be an option for some. Blocking the phone number and sending a cease and desist letter can help reduce harassment. Consulting a credit counselor or consumer protection attorney can aid in resolving debt issues while protecting rights during the collection process.