Home / Who is 3123804059 and why are they calling me?

Who is 3123804059 and why are they calling me?

  • Phone number 3123804059 is likely a debt collector called:' Harris & Harris, Ltd.'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
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Main phone number related with this page is: 3123804079

If you’re getting calls from 312-380-4059, Harris & Harris, Ltd., a debt collection agency, is likely behind them. Don't panic or pay up immediately. Instead, request written verification of the debt they claim you owe. Never share personal details over the phone to protect yourself from scams or identity theft.

These calls can disrupt your day, so handle them quickly. Keep a detailed record of every interaction—dates, times, and anything they say. Block the number using your phone settings or call-blocking apps like RoboKiller. If the harassment continues, report the number to the FCC, FTC, and CFPB. Know your rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from any abusive tactics.

For a hassle-free solution, call The Credit Pros at 312-380-4059. We will review your entire 3-bureau credit report and guide you through the best steps based on your unique situation. Our expertise ensures you handle any debt collections accurately and work towards improving your credit score. Don’t delay—let us help you navigate this critical issue today.

Who Is 3123804059: Scam Or Legitimate

When you receive a call from 3123804059, it's likely Harris & Harris, Ltd., a legitimate debt collection agency based in Chicago. However, you should still be cautious. Here's what you need to know:

You don't have to engage with the caller immediately. Even if it's legitimate, you're not obligated to pay right away. Instead, you should ask for written verification of the debt. This is your right, and you should exercise it.

Be careful about sharing personal details over the phone. Scammers can use this information for identity theft. If something feels off during the call, trust your instincts. Legitimate collectors should already have basic information about you.

Watch out for these red flags:
• Pushy tactics or threats
• Refusal to provide written verification
• Requests for immediate payment
• Asking for sensitive personal information

We recommend you take these steps:
1. Pull your free credit report
2. Check for any suspicious negative items
3. Let us help analyze your report - it's free!

At The Credit Pros, we've helped many people in your situation. Whether this is a real collector or not, we can help you:
• Verify if the debt is actually yours
• Dispute any suspicious negative marks
• Improve your overall financial outlook

To wrap things up, remember you have options and rights. Don't stress - give us a call, and we'll guide you through this process together.

How Do I Stop 3123804059 From Harassing Me (How To Report Them)

If you're being harassed by 3123804059, here's what we advise you to do:

First, you should document everything. Keep a detailed log of each interaction, including dates, times, and any abusive language. This will help you if you need to take legal action later.

Next, register your number at DoNotCall.gov. It only takes 2 minutes. You should also block the number using your phone's blocking feature or by contacting your service provider.

We recommend using call-blocking apps to further protect yourself:
• For Android: Try 'Call Blocker - Stop spam calls'
• For Apple: Use 'Robokiller: Spam Call Blocker'

If the harassment continues, you might need to take more serious steps:
• Consider getting a restraining order if the calls persist or escalate to threats
• Hire a harassment lawyer, as harassment is against both Federal and State laws
• Send a cease and desist letter using the template at eforms.com/cease-and-desist

It's crucial that you report the number to the proper authorities:
• File a complaint with the FCC at consumercomplaints.fcc.gov if it was an illegal robocall or spoofed call
• Report telemarketing or Do Not Call Registry violations to the FTC at ReportFraud.ftc.gov
• Submit a complaint to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372

Don't forget to contact your phone carrier. Ask them about their call-blocking tools and options. You should also check with your local or state consumer protection offices for additional resources.

To finish up, remember that you have the power to stop this harassment. By documenting, blocking, reporting, and seeking help when needed, you can put an end to these unwanted calls and regain your peace of mind.

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 3123804059

You should block and ignore 3123804059. We understand this can be stressful, but you have options. Blocking won't hurt your credit score - any existing collection has already impacted it. Your best move is to work with a reputable credit repair company like us at The Credit Pros. We'll help you tackle any inaccuracies on your report and guide you through the process.

Here's what we advise you to do:

• Don't pay without verifying the debt first
• Block the number to stop unwanted calls and reduce stress
• Let a credit repair company dispute potential errors for you

By taking these steps, you're protecting yourself and working towards a clearer financial future. We're here to support you every step of the way.

To wrap things up, remember that you have the power to control this situation. Block the number, verify any debts, and consider professional help to clean up your credit report. You've got this!

Can A Debt Collector Like 3123804059 Sue Me

Yes, a debt collector like 3123804059 can sue you, but it's unlikely. Here's what you need to know:

Debt collectors typically view lawsuits as a last resort, usually for debts over $5,000. If they decide to sue, they must prove you owe the debt, the amount is correct, and they have the legal right to take legal action.

You should be aware that lawsuits are expensive and time-consuming for collectors. That's why they prefer to contact you through calls and letters first. If you receive a court summons, you must respond to it.

It's important to understand that each state has a statute of limitations on debt collection. If your debt is old, it might be past this period, making a lawsuit less likely. You have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from unfair practices.

Here are some key points to remember:

• You should check if the debt is within the statute of limitations in your state.
• It's crucial that you respond to any court summons you receive.
• You have the right to request debt verification before paying.

If a debt collector does sue you, we recommend that you consult an attorney. They can help you understand your options and protect your rights.

To finish up, remember that while debt collectors can sue, it's not their preferred method. You have rights, and there are steps you can take to protect yourself. Stay informed and don't hesitate to seek legal advice if needed.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

3123804059 Might Have Your Personal Information

If you receive a call from 3123804059, it's likely Harris & Harris, Ltd. trying to collect a debt or possibly running a scam. You should avoid giving any personal information and ideally not pick up their calls. Engaging with them can lead to more harassment or scams.

Instead, focus on what you can control. First, you should obtain your credit reports from all three bureaus to see if the debt is real and accurate. This step is crucial for you to identify any errors or outdated entries.

Next, we recommend that you start building a comprehensive plan to improve your credit. Working with a reputable credit repair company can be highly beneficial for you. They can help you dispute inaccuracies and provide strategies to boost your credit score. These companies are experienced in dealing with debts and can offer you legal aid if needed.

Here's what we advise you to do:
• Block the number 3123804059 on your phone
• Get your credit reports from all three bureaus
• Contact a reputable credit repair company for help

By not engaging with these calls and focusing on your credit health, you take control of the situation. If you suspect the call is a scam, you should report it to the relevant authorities. Always stay vigilant and proactive when managing your finances.

To wrap things up, remember that you have the power to protect your personal information and improve your credit. Don't let these calls stress you out – take action and seek professional help if needed.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 3123804059

When you receive calls from 3123804059, you're likely dealing with debt collection attempts for various types of unpaid bills. This agency typically pursues:

• Medical debts from healthcare providers
• Overdue utility bills
• Unpaid government fees or fines

You should know that 3123804059 purchases these debts from original creditors and then tries to collect the money owed. They work with a range of organizations, from hospitals to municipal entities.

If you're contacted by this number, it's important that you verify any debt they claim you owe before making payments. You have the right to request debt validation in writing.

We advise you to keep detailed records of all communications with 3123804059. This documentation can help protect your rights as a consumer if there are any disputes.

To finish up, remember that you're not alone in dealing with debt collectors. If you're unsure about a debt's validity or feel harassed, you can seek help from consumer protection agencies or consider speaking with a financial advisor for guidance on managing your situation.

How Do I Check If I Owe Money To 3123804059

Here's how you can check if you owe money to 3123804059:

You should start by reviewing your personal records. Go through your final bills, account statements, and equipment return receipts to identify any undisputed debts on your own.

Next, we recommend that you obtain copies of your credit reports. You'll want to check if this debt is listed there. If you see the debt on your report and it's inaccurate, you can dispute it with the credit bureau.

It's crucial that you send a written request to the debt collector to verify the debt. They must provide you with information like the amount owed and the name of the original creditor.

We strongly advise you not to call the number directly. If you contact them, you might restart the statute of limitations on old debts.

If you're facing harassment over disputed debts, you should consult a consumer protection lawyer. They can help protect your rights and guide you through the process.

You need to confirm the debt collector's legitimacy. Ask for their name, company name, street address, and callback number. Don't provide any personal financial information until you're sure they're legitimate.

• You can protect yourself from potential scams by gathering documentation.
• You should validate the debt through official channels to ensure accuracy.
• If necessary, you can take legal action to ensure your rights are respected.

To wrap things up, you've got several steps you can take to check if you owe money and protect yourself in the process. Remember, you're in control of this situation, and with these tools, you can handle it confidently.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 3123804059

When debt collectors like 3123804059 contact you, several laws protect you from abusive practices. The Fair Debt Collection Practices Act (FDCPA) is your main federal shield. It prevents collectors from using unfair methods and sets rules for when they can contact you. You're protected from harassment, threats, and false representations.

In Illinois, you have additional safeguards. The Illinois Collection Agency Act (ICAA) protects you against harassment and deception from third-party collectors. The Illinois Consumer Fraud and Deceptive Business Practices Act (ICFDBPA) gives you broader protection against unfair practices.

You have specific rights under these laws. You can request collectors to stop contacting you, and they must comply with certain exceptions. If you have an attorney, collectors must only communicate with them. You also have the right to dispute debts, which pauses collection until verification.

If a collector violates your rights, you can take action. You have one year to sue for FDCPA violations and recover damages. We recommend you report any violations to the FTC or CFPB, as they can enforce these laws.

• You can request collectors to stop contacting you
• You have the right to dispute debts
• Collectors must only communicate with your attorney if you have one

To wrap things up, remember that you have strong legal protections against abusive debt collection practices. Don't hesitate to assert your rights if you feel a collector is overstepping. Your peace of mind matters, and these laws are here to help you maintain it.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 3123804059/Harris & Harris, Ltd. Have Any Lawsuits Against Them

Yes, Harris & Harris, Ltd. has faced lawsuits. You should be aware of two notable cases:

• KASALO v. HARRIS & HARRIS, LTD. (August 26, 2011) - The United States Court of Appeals for the Seventh Circuit reviewed this case under No. 10-2755.

• A March 2016 lawsuit - The firm allegedly called an Illinois consumer to collect a debt owed by someone with the same last name.

You should also know that consumers have reported issues to the Consumer Financial Protection Bureau (CFPB). These complaints often indicate aggressive or harassing collection tactics. For example, one consumer received calls about an unpaid speeding ticket in Shelby County, but the agency couldn't provide specific details.

If you're dealing with Harris & Harris, Ltd., you might want to consider seeking legal advice. We recommend that you get a free case evaluation to understand your options better. To finish up, remember that you have rights as a consumer, and it's crucial that you know how to protect yourself from potentially unfair practices.

What Do People Online Say About 3123804059

You're likely receiving calls from 3123804059 because it's associated with Harris & Harris, a debt collection agency. Many people online report similar experiences with this number:

• You might hear dead air when answering
• You could face requests for personal information
• You may receive multiple calls daily without voicemails

It's crucial that you approach these calls cautiously. Don't provide personal details over the phone. Instead, we recommend you take these steps:

1. Block the number to stop the constant interruptions.
2. If they claim you owe a debt, ask for written verification.
3. Check your credit report for any inaccuracies.

Remember, you have rights under the Fair Debt Collection Practices Act. This means you can request that they stop contacting you.

If you're unsure about the legitimacy of the debt, consider working with a credit repair company. They can help you navigate this situation and protect your rights.

To wrap things up, you should prioritize your peace of mind. Block the number, verify any claims, and don't hesitate to seek professional help if needed. You've got this!

Do I Really Need To Remove 3123804059 From My Credit Report

You absolutely need to remove 3123804059 from your credit report if it's potentially inaccurate. Don't waste your time with typical credit repair companies - most are scammy and ineffective. When you try disputing on your own, you'll find it time-consuming and draining. Instead, you can save yourself hours of effort by reaching out to a reputable company for help. A top-notch credit repair firm like The Credit Pros can make a huge difference for you. They'll handle the heavy lifting to maximize your chances of removing this potentially inaccurate negative item.

We recommend you take these steps:

• Check your report to verify the debt is actually there and seems inaccurate
• Avoid shady credit repair services that overpromise you results
• Don't try to dispute it alone - you'll find it's a major hassle
• Reach out to a respected company like The Credit Pros for assistance
• Let the pros work to remove it and boost your score

Remember, you're not stuck with potentially inaccurate items on your report. With the right help, you can clean up your credit and move forward. We're here to guide you through the process and get your credit back on track. To wrap things up, you should act quickly to address this potential inaccuracy - your financial future depends on it.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

Here are other formats 3123804059 can be written

- +1 312-380-4059
- +1 (312) 380-4059
- +1 312 380 4059
- (312) 380-4059
- 312-380-4059
- 312.380.4059
- 312 380 4059
- +13123804059
- (312) 380-4059
- 312.380.4059
- 3123804059

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

List of every other phone number that Harris & Harris, Ltd. uses:

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.

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