Who Is 5205244096 (+ How Are They Hurting My Credit Score)

If you receive a call from 5205244096, it might be State Collection Service, a debt collection agency. However, this number could also be a scam. It's important that you don't engage directly with the caller, whether legitimate or a scammer. Do not pay any debt immediately if you're unsure about its details.

Here's what we advise you to do instead:

- Check your credit report for any potentially inaccurate negative items.
- Block the number to stop further calls.
- Contact The Credit Pros for a free 3-bureau credit report evaluation.

We have helped hundreds of thousands of people with similar spam calls. Our team can help verify any debt from this collector, dispute potentially incorrect negative items, and improve your financial future.

To sum up, block the number, check your credit report for inaccuracies, and reach out to The Credit Pros for help. You have options and support available to manage this situation effectively.

To stop 520-524-4096 from harassing you, follow these steps:

First, document each interaction meticulously. Keep a log of every harassing call, noting the date, time, and any offensive language used. Register your number on the National Do Not Call Registry as a preliminary measure. While this won't stop calls immediately, it's a crucial first step.

Next, block the number using your phone’s call-blocking feature or contact your service provider for assistance. Consider using apps like 'Robokiller: Spam Call Blocker' for Apple or 'Call Blocker - Stop spam calls' for Android to manage unwanted calls effectively.

You should also report the harassment to relevant authorities:
• File a complaint at FCC Complaints with specific details about the calls.
• Report telemarketing or unwanted calls at ReportFraud.ftc.gov or directly at DoNotCall.gov.
• Submit a complaint to the CFPB’s complaint page with comprehensive details about the harassment.

If the calls continue, escalate the matter by sending a Cease and Desist Letter from eforms.com, consider a restraining order if necessary, or consult a harassment lawyer for further advice. Additionally, if you use Nomorobo, report the unwanted calls through their platform.

To wrap things up, if you document the calls, block the number, report to authorities, and seek further help if needed, you'll take significant steps to stop 520-524-4096 from harassing you.

You should block the number 5205244096. If you ignore the calls, you might face ongoing harassment, especially if it's a debt collector like State Collection Service. Blocking the number stops the repeated annoyance and won't impact your credit score further.

If this debt is already on your credit report, it's crucial that you address any inaccuracies. Consider working with a reputable credit repair company to handle disputes and improve your credit situation efficiently.

In the end, blocking the number and partnering with a credit repair company helps you manage your finances without unnecessary stress from constant calls.

Yes, a debt collector like 5205244096 can sue you, but it's quite unlikely. Lawsuits are usually a last resort for debt collectors, typically when the debt amount exceeds $5,000. They need to prove that you owe the debt, the amount is correct, and they have the legal right to sue, which is challenging, especially if the debt has been sold multiple times.

You should know that suing is expensive and time-consuming. So, debt collectors prefer to settle out of court. Additionally, each state has a statute of limitations, meaning if your debt is old, they can't sue you. Usually, debt collectors will start with calls and letters and only consider lawsuits as a last resort.

If they do decide to sue, you will receive a court summons and complaint. It’s crucial that you respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. Remember, you have rights under the Fair Debt Collection Practices Act. It's a good idea to consult an attorney if you get sued to understand your options better.

As a final point, remember that while a debt collector like 5205244096 can technically sue you, it's rare. If you ever face this situation, responding promptly and knowing your rights will put you in a better position.

If you've been called by the number 5205244096, it might be from a debt collector called State Collection Service, and they could have your personal information. Here’s what we advise you to do:

1. Don't provide any information: When such collectors call, avoid giving them any personal details. This prevents potential misuse of your information.

2. Don't pick up the call: It's best to avoid answering. Engaging with them can lead to more frequent and aggressive calls. Plus, answering can sometimes validate your number, leading to more calls.

3. Get your 3-bureau report: Regardless of the situation, obtain your credit reports from the three major bureaus (Equifax, Experian, and TransUnion). This helps you spot any inconsistencies or issues in your credit history.

4. Build a credit improvement plan: Start planning how to improve your credit, whether it's paying off debts systematically, disputing inaccuracies, or adopting better financial habits.

5. Work with reputable credit repair companies: These companies have the expertise to help you correct your credit report, dispute errors, and manage communication with debt collectors. This can save you time and hassle, and ensure that your credit is managed properly.

Bringing it all together - protect yourself by not providing any personal information, ignore the calls, check your credit reports, and work with a reputable credit repair company.

5205244096 collects various types of debt, including credit card debt, auto loans, cell phone bills, and other personal loans. Your debt may come from these creditors when accounts become past due. They may either be hired to collect this debt or purchase it from the original creditor.

Here's what you need to know:

• Credit card debt often comes from overdue balances on your accounts.
• Auto loans turn into debt when you miss your car payments.
• Unpaid cell phone bills can also be collected.
• Other personal loans, such as payday loans or medical debts, may be included.

All things considered, whether it’s credit card debt, auto loans, cell phone bills, or personal loans, knowing the types of debt collected by 5205244096 can help you stay informed and take appropriate action.

To find out if you owe money to 5205244096, you should start by checking your records. This includes final bills, account statements, and equipment return receipts. Avoid directly contacting the number to prevent resetting the statute of limitations on any old debts.

Next, get your credit reports from Experian, TransUnion, and Equifax for free at AnnualCreditReport.com or by calling 877-322-8228. Look for debts listed and note the owners. Some debts might not be reported, so also check any collection notices you've received.

If you find a debt from State Collection Service on your credit report, ask the collections agency for debt validation. This will confirm the legitimacy of the debt. If you're dealing with harassment or disputes, a consumer protection lawyer can be helpful.

• Review your records, including final bills and account statements.
• Obtain your credit reports from Experian, TransUnion, and Equifax.
• Check for any debts listed and request debt validation if necessary.
• Consider consulting a consumer protection lawyer for harassment or disputes.

Lastly, by thoroughly checking your records, obtaining your credit reports, and validating any debts, you can manage and verify any money owed to 5205244096 effectively.

To protect yourself from debt collection practices related to the number 5205244096, several important laws and regulations are in place.

Fair Debt Collection Practices Act (FDCPA)
You have protections under the FDCPA, which includes:
• Prohibited Conduct: Debt collectors can't call before 8 AM or after 9 PM. They can't harass you with repeated calls or use abusive language.
• Disclosures: Collectors must provide a written notice detailing the debt, including your rights to dispute it. If you dispute in writing within 30 days, they must verify the debt first.
• Consumer Rights: You can ask collectors to stop contacting you. If you have an attorney, they must speak with them instead. You can also sue for violations and report them to the FTC or CFPB.

State Debt Collection Laws
Your state may offer extra protections. For example, New York requires debt collectors to have strict licenses, offering additional safeguards beyond the FDCPA.

Additional Protections
You should be aware of these extra FDCPA protections:
• Inconvenient Times: Calls should not come before 8 AM or after 9 PM.
• Workplace: Collectors can't call you at work if your employer prohibits it.
• Third-Party Disclosure: They can't share your debt details with friends, neighbors, or co-workers.
• Verification and Stopping Communication: You can demand debt verification and tell them to stop contacting you in writing.

For more information and help, you can contact agencies like the FTC or CFPB. Knowing your rights will help you handle debt collectors confidently.

Finally, by understanding the FDCPA and your state laws, you can ensure debt collectors respect your rights and manage debt collection practices more effectively.

State Collection Service does have several lawsuits against them. Here are a few examples:

1. ClassAction.Org - November 27, 2018: This lawsuit alleges that State Collection Service threatened to report three consumers' medical debts to credit bureaus before it was legally allowed. This involves violating the FDCPA regulations that require a 180-day waiting period for reporting medical debts.

2. ClassAction.Org - February 20, 2018: Another proposed class action claims that State Collection Service failed to clearly disclose the amount of a consumer's debt. The complaint notes discrepancies in the debt amounts listed in two different letters, causing confusion about the debt's accrual of interest and violating the FDCPA.

Regarding complaints, there are numerous grievances filed:

• The Better Business Bureau (BBB) has recorded 72 complaints against State Collection Service over the last three years.
• The Consumer Financial Protection Bureau (CFPB) received 547 complaints against the company within the last ten years.

These complaints generally involve issues like attempts to collect already paid debts, harassment, and failure to provide clear debt information.

In closing, you should know that State Collection Service has faced several lawsuits and many complaints, primarily involving debt reporting and communication issues. Be aware and proactive when dealing with them.

People talking about the number 5205244096 online generally describe it as spam or scam-related. Here are specific quotes from various sources:

- surveyzz on RoboKiller: 'Received a spam call from this number. Really annoying.'
- An anonymous user on 800notes.com: 'This number keeps calling me about some fake insurance offer. Block it if you can.'

You can see that people generally feel this number is associated with unwanted calls and scams.

Overall, it seems most people find 5205244096 to be a source of frustrating and unwanted calls, often linked to fake offers and scams.

Yes, you should definitely remove 5205244096 from your credit report if you've verified it's listed and potentially inaccurate. Inaccurate information can hurt your credit score, stay on your report for up to seven years, and make it hard to get loans or credit with good terms.

Addressing inaccuracies yourself can be time-consuming and frustrating. Instead, we recommend contacting a reputable credit repair company like The Credit Pros. They can make this process quicker and easier.

- Removing inaccuracies can improve your credit score.
- It helps you qualify for better loan and credit terms.
- You avoid the hassle of dealing with disputes yourself.

As a final point, remember to address any inaccuracies on your credit report to protect your financial future. Reaching out to credit repair professionals can save you time and improve your credit score efficiently.

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 8037693961
• 3093295483
• 6052505885
• 8662678447
• 3465096019
• 5205244096
• 5137253190
• 5139649344