Who is 2819754240 and why are they calling me?

The number 281-975-4240 is linked to FMA Alliance, Ltd., a debt collection agency. However, you need to verify the legitimacy of any debt collection call to avoid scams. Here's what we advise you to do:
- Don't engage directly. Avoid speaking to or calling back the number.
- Request a debt validation letter. This letter should outline the debt amount, the creditor's name, and your rights.
- Check your credit report at AnnualCreditReport.com for any discrepancies or unfamiliar debts.
- Contact the original creditor to verify if they have assigned your debt to a collection agency.
- Report suspected scams to the FTC and your state attorney general if you think it's a scam.

If you need help understanding your credit report or suspect inaccuracies, call us at The Credit Pros for a free, thorough 3-bureau credit report analysis.

To sum up, ensure you don't engage directly, verify the debt with a validation letter, and check your credit report. Contact the original creditor and report any suspected scams to protect yourself.

To stop 2819754240 from harassing you, follow these steps:

First, document every unwanted interaction. Keep a detailed log of each call, including dates, times, and any abusive language.

Next, you should send a cease and desist letter. You can find a sample letter on the Consumer Financial Protection Bureau's website. This forces them to stop calling you.

Then, file complaints:
- Submit a complaint to the CFPB online or call (855) 411-2372.
- Report unwanted calls to the FCC at fcc.gov/complaints.
- Notify the FTC of any Do Not Call Registry violations at ReportFraud.ftc.gov.

You can also block the number using your phone’s call-blocking feature. Apps like 'Call Blocker - Stop spam calls' for Android and 'Robokiller: Spam Call Blocker' for Apple can help with this.

Finally, register your number on the Do Not Call Registry at DoNotCall.gov.

To wrap things up, by documenting calls, sending a cease and desist letter, filing complaints, blocking the number, and registering on the Do Not Call Registry, you can effectively stop harassment from 2819754240 and report their actions.

When you get calls from 2819754240, you should block the number, especially if it's harassing you. Blocking it won't hurt your credit score and can reduce the stress of dealing with persistent calls. If you've confirmed it’s FMA Alliance, Ltd., a debt collector, blocking their calls can help you manage your situation better.

Ignoring these calls won't stop them and can be quite stressful. You should work with a reputable credit repair company to handle any disputes or inaccuracies on your credit report. This is crucial to prevent any negative impact on your credit score due to frequent calls.

Blocking these calls won’t worsen your credit score. If the collection is already on your report, blocking or ignoring them won't change that. Make sure to take action to resolve any outstanding issues through a trusted credit repair service.

In the end, block 2819754240 to reduce stress and seek professional help to handle any credit issues.

Yes, a debt collector like 2819754240 can sue you, but it's generally unlikely. Debt collectors usually try other methods like calls and letters first, as suing is expensive and time-consuming.

You should know that they only resort to lawsuits when the amount owed is significant, often over $5,000. They also need to prove that you owe the debt, the amount is accurate, and they have the legal right to sue you. In Texas, the statute of limitations for debt collection is typically four years from the last payment date, limiting the time they have to file a lawsuit.

If you receive a court summons, it’s crucial that you respond promptly. Ignoring it can lead to a default judgment, which might result in wage garnishments or bank account levies. Make sure you know your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive or deceptive practices by debt collectors. Consulting with an attorney can help you understand your options and defenses.

As a final point, remember that while a debt collector like 2819754240 can sue you, it's rare. Always respond to court summons, understand your rights, and consult an attorney for guidance.

If you receive calls from 281-975-4240, it might mean that the caller has some of your personal information. It's best not to answer these calls, especially because they are likely from a debt collector. Answering and providing any personal details could lead to more issues.

Here’s why you should avoid picking up:
- Identity Theft Risk: Providing personal information can expose you to identity theft.
- Privacy Concerns: These calls can be used to gather more sensitive information about you.

Instead, you should:
- Ignore the Calls: Let them go to voicemail.
- Verify Credibility: If you must engage, call back using a number you know is valid.
- Check Your Credit Report: Obtain your 3-bureau credit report to see what’s affecting your credit. This helps you understand any issues.

Working with a reputable credit repair company, like The Credit Pros, can also be very helpful because:
- Expertise: They can guide you on disputing inaccuracies.
- Support: They provide support in improving your credit score.

Remember, protecting your information is crucial, and opting for professional help ensures you handle your credit health securely. Let's take action to secure your personal information and improve your financial health today!

If you receive a call from 281-975-4240, you are likely dealing with debt collection from FMA Alliance, Ltd. They manage various types of debt:

- Credit Card Debt: You might be contacted for overdue credit card balances.
- Medical Bills: They often collect unpaid medical bills.
- Utility Bills: They help utility companies recover delinquent payments.
- Auto Loans: If you default on your car loan, they may step in.
- Retail and Catalog Orders: They collect on unpaid purchases from store credit or catalogs.

FMA Alliance buys these debts from numerous creditors, including banks, hospitals, and utility companies. They aim to collect as much of the outstanding balance as possible, abiding by the Fair Debt Collection Practices Act (FDCPA).

All things considered, if 281-975-4240 rings you, it’s probably one of these debts they’re chasing.

To check if you owe money to 2819754240, you should start by gathering all your financial records. Look through your past bills, account statements, and receipts for any related information. This helps you determine if you might owe money to the company contacting you.

Next, request debt validation. Ask the debt collector for a letter verifying the debt details. A legitimate collector will provide this information without hesitation.

Here’s what you should do:

- Gather Your Records: Review your bills, statements, and receipts.
- Request Debt Validation: Ask the collector for written confirmation of the debt.
- Verify the Information: Compare the provided details with your records.

Be cautious about restarting the statute of limitations on old debts. Don’t make direct contact or payments without fully verifying the debt. If you face harassment, consult a consumer protection lawyer for advice. Never give out personal financial information unless you are sure the collector is legitimate.

Lastly, follow these steps to verify the debt and avoid scams or erroneous collection efforts.

Debt collection laws protect you from unfair practices. The main law you need to know is the Fair Debt Collection Practices Act (FDCPA). This federal law stops debt collectors from using abusive, unfair, or deceptive tactics to collect debts.

Here are some key protections under the FDCPA:

- Collectors cannot call you before 8 AM or after 9 PM, or at work if your employer does not allow it.
- They cannot use obscene language, threaten violence, or repeatedly call you to harass you.
- They cannot lie about who they are, like pretending to be lawyers or government officials.

Debt collectors must provide you with a validation notice, which includes the amount of debt, the creditor’s name, and your rights to dispute the debt within 30 days. If you dispute it, they must verify the debt before continuing collection.

Many states also have their own debt collection laws that provide extra protections. For example, some states require debt collectors to have special licenses.

Finally, if you want to stop a debt collector from contacting you, send a written request. They must then cease all communication except to inform you of their next steps.

Yes, FMA Alliance, Ltd. has faced several lawsuits and complaints. Here are some key details:

1. Hassan Shabbir Lawsuit (2021): Hassan Shabbir from Illinois filed a lawsuit against FMA Alliance, Ltd. He claimed that they violated the Fair Debt Collection Practices Act (FDCPA) by unlawfully disclosing personal information to a third-party vendor to mail collection letters. Shabbir represents a class of over 40 members who received similar communications.
2. Paul Jones Lawsuit (2013): Paul Jones sued FMA Alliance, Ltd. in Boston Municipal Court for alleged violations of the Telephone Consumer Protection Act (TCPA) and Massachusetts General Laws. The court ultimately dismissed the complaint, ruling in favor of FMA Alliance.
3. New York Man FDCPA Suit (2017): A New York resident filed a lawsuit against FMA Alliance, accusing them of violating his rights under the FDCPA due to unfair debt collection practices.
4. False Settlement Deadline Lawsuit (2017): Another lawsuit was filed alleging that FMA Alliance set false settlement deadlines, which were misleading and unlawful.
5. Consumer Complaints: FMA Alliance has received numerous complaints. The Better Business Bureau (BBB) reported 11 complaints over the past three years, while the Consumer Financial Protection Bureau (CFPB) reported 135 complaints in the same period. Common issues include unauthorized payments from bank accounts and inadequate validation of debts.

In closing, FMA Alliance, Ltd. has been involved in multiple lawsuits and numerous complaints, primarily related to alleged violations of debt collection laws and practices.

People online have various opinions about the phone number 281-975-4240. Many users on Reddit have noted it is often linked to robocalls and debt collection. For example, one user, u/ScaredyCat123, shared, "I keep getting calls from 281-975-4240, always a recorded message about some debt I owe." Another user, u/NomoroboFan, mentioned, "Nomorobo flagged 281-975-4240 as a robocaller, definitely blocking it now." Similarly, u/FrustratedHomeowner remarked, "So tired of 281-975-4240 spamming my phone, it's non-stop!"

From these comments, it is clear that you are not alone if you are receiving such calls. People generally find calls from this number bothersome and often associate them with robocalls and debt collection efforts. Most find relief by using call-blocking services like Nomorobo.

Overall, calls from 281-975-4240 seem to frustrate many people due to their association with robocalls and debt collection. If these calls are bothering you, blocking the number through services like Nomorobo might help alleviate the annoyance.

Yes, you really need to remove 2819754240 from your credit report if it's inaccurate. Incorrect debts can seriously tank your credit score and make it tough for you to get approved for new credit.

The process of removing collections isn't easy and can be time-consuming if you do it on your own. You can dispute inaccuracies directly with the credit bureaus, but usually, it takes a lot of effort. Instead, consider reaching out to a reputable credit repair company like The Credit Pros. We're different from the average credit repair company and can help you navigate the process efficiently, saving you time and stress.

Here's what we advise you to do:
- Confirm the collection is on your report and identify if it is potentially inaccurate.
- Avoid typical, poorly-rated credit repair companies; they can be deceptive and ineffective.
- Consider working with a trustworthy credit repair firm to maximize your chances of removing negative items.

As a final point, don’t let this drag down your credit score. Confirm the collection, avoid poorly-rated repair companies, and consider using a reputable firm to fix your report today!

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.

• 2819754240
• 2816701575