9793166059

What Company Is Calling Me From 9793166059 And Why Are They Calling? Are They A Debt Collector?

You received a call from the number 979-316-6059, which has been associated with scam or telemarketing calls. The FCC has received numerous reports about scammers/spammers using this number for unsolicited calls. These calls often involve suspicious offers like free home security systems. It’s important to note that these calls are unlikely to be from a legitimate debt collector. Genuine debt collectors must provide written validation of alleged debts by law.

To protect yourself, never give personal or financial information over the phone, especially when dealing with unknown callers. Scammers often pretend to be real companies in an attempt to obtain sensitive information. If you’re on the Do Not Call registry and still receive calls from this number, file a complaint with the FTC.

Always be cautious when a caller claims money is owed without providing proper documentation. Verify debts before making any payments to ensure their legitimacy. If you’re unsure about a call’s authenticity, hang up and avoid further interaction.

As a proactive measure, consider pulling your three-bureau credit report from IdentityIQ. This helps you monitor your credit and stay informed about potential fraud or unauthorized accounts. Remember not to share personal information with unknown callers and remain vigilant in safeguarding your financial well-being.

How Can I Block Or Stop Calls From 9793166059?

If you want to block or stop calls from the number 9793166059, there are several actions you can take. Firstly, let unknown calls go to voicemail and do not directly answer them to avoid engaging with potential debt collectors. Once identified as a collector, contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya to filter out the calls. You can also set contacts not in your address book on smartphones to go straight to voicemail or be blocked.

To formally request no further contact, send a cease and desist letter via certified mail demanding that the collector stops calling you. Additionally, check if your state has laws beyond the FDCPA (Fair Debt Collection Practices Act) that prohibit collection calls without written notice, and invoke those rights in your cease and desist letter. Keep detailed records of all calls to demonstrate a pattern of harassment if legal action becomes necessary.

Finally, seek help addressing the underlying debt by consulting a non-profit credit counselor who can assist in negotiating debt resolution. Consider speaking to a consumer protection attorney if the collector violates regulations, as they can advise you on your rights and potential lawsuits. Remember to check your voicemails regularly to monitor any messages from identified collectors, as blocking calls does not eliminate any legitimate debts owed.

What Are My Rights As A Consumer Regarding Calls From 9793166059 And Are They Violating The Fair Debt Collection Practices Act?

As a consumer, you have certain rights under the Fair Debt Collection Practices Act (FDCPA) when it comes to calls from the number 9793166059. If you believe this number is violating the FDCPA, here’s what you can do:

1. Keep a record: It’s important to document potential violations. Make note of the date, time, frequency, phone number, and any details of the calls. Be especially vigilant if they call outside the allowed hours of 8am – 9pm in your time zone or repeatedly call you over a short period.

2. Stand up for yourself: Take action by revoking any prior consent you may have given to call outside normal hours. Write a formal request to cease contact at your workplace, if it is prohibited by your employer. Send a cease and desist letter via certified mail, demanding that they stop contacting you by phone. You can also verbally request that they stop calling during any conversation.

3. Get help and guidance: If you encounter violations, it’s important to seek assistance on how to proceed. Report any documented violations to the Consumer Financial Protection Bureau. Consult with a consumer protection attorney who can provide you with legal guidance. Contact your state Attorney General’s office for further assistance. It may also be beneficial to reach out to an experienced credit counselor who can offer advice on addressing the debt without incurring further collection calls.

Remember, it’s crucial to keep detailed records and assert your rights as a consumer in order to prevent further harassment from debt collectors.

If Company From 9793166059 Is A Debt Collector, How Can I Validate The Debt And What Are My Options For Dealing With It?

If a company from 9793166059 is a debt collector, it’s essential to validate the debt. To do this, you must formally request written validation by sending a debt validation letter to the collector. The Fair Debt Collection Practices Act (FDCPA) mandates that they provide this information. Carefully review the validation, confirming the accuracy of your personal details, creditor name, account number, and amount owed. If you spot any incorrect or unfamiliar information, dispute it in writing and request removal from your credit report.

Once the debt has been validated, you have several options for addressing it. You can negotiate a lump-sum settlement or a payment installment plan in writing before making any payments. Another possibility is offering a partial payment of 30-50% of the balance if it’s affordable, while requesting deletion from your credit report in return. If the debt collector violates regulations during the collection process, you can assert your rights under the FDCPA. Consulting a non-profit credit counseling agency can provide guidance on negotiating debt resolution. Additionally, contacting an attorney can help you explore bankruptcy or legal action against the collector. Keep detailed records of all correspondence and calls for potential complaints and, if necessary, revoke any prior permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Take the necessary steps to validate the debt and exercise your consumer rights under federal and state law. Seeking assistance from professionals can ensure a fair outcome when resolving the debt.

Can The Company From 9793166059 Sue Me Or Garnish My Wages If They Are A Debt Collector? Should I Just Settle?

If you owe a debt to the company from 9793166059 and they are a legitimate debt collector, it is possible for them to take legal action against you, including suing you or garnishing your wages. To avoid this, there are steps you can take. First, try negotiating affordable payment arrangements with the collector in writing. This shows your willingness to pay and may prevent legal action. You can also assert your inability to pay and request that they stop contacting you, but this may not guarantee they won’t sue you. Seeking help from a non-profit credit counselor or a consumer law attorney can provide additional guidance and protection.

Before agreeing to settle the debt, consider important factors. Make sure the proposed payment plan is realistic for your budget. Get any settlement terms in writing before making any payments. It’s important to know that even after settling, the collector can still sue you if you don’t fulfill the agreement. Settling for a lump sum that you can’t afford may have long-term negative consequences on your finances.

While settling with the debt collector often makes sense to avoid legal action, it’s crucial to only agree to payment terms that you can realistically maintain. Seek assistance to fully understand your options and rights before making any decisions.

If 9793166059 Is A Collection Company, How Can I Get It Removed From My Credit Report?

If 9793166059 is a collection company, the first step to get it removed from your credit report is to validate the debt’s legitimacy. Request written confirmation and carefully review the validation to ensure accuracy. If any information is incorrect, send a written dispute stating that the debt is inaccurate according to the Fair Credit Reporting Act. Demand the removal of the collection tradeline from your credit file.

If the debt is verified as valid, you have several options to potentially remove it. One option is to negotiate a pay-for-delete agreement in writing, settling the debt in exchange for its removal. Another option is to offer a good faith partial settlement payment and request deletion as an act of goodwill. However, they are not obligated to remove it without a formal agreement. Hiring a credit repair service can assist in formally disputing the debt on your behalf and provide legal resources to help with its removal.

Alternatively, you can wait out the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws or refuses to remove inaccurate information, you can file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney can also help determine if the collector broke laws, potentially enabling you to sue for removal and damages. Throughout the process, keep detailed written records of your efforts to resolve the disputed collection account.

By taking proactive steps to validate debts, negotiate with collectors, and assert your rights, you can ultimately help remove collections from your credit report. However, it is crucial to first determine the legitimacy of the debt before taking any action.