Home / Who is 3123804079 and why are they calling me?

Who is 3123804079 and why are they calling me?

  • Phone number 3123804079 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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The call from 3123804079 could be a debt collector, potentially Harris & Harris, Ltd., or even a spam or scam attempt. If it’s a debt collector, it means they might've bought an old debt of yours and are attempting to collect it. Ignoring or blocking this number might give you temporary relief, but it won't make the problem disappear permanently.

When a debt collector is involved, they may pester you until they get your attention. It’s not enough to simply avoid these calls; you need to address the root cause to protect your financial well-being. The absolute best thing you can do is to reach out to The Credit Pros. We can have a simple, no-pressure chat to assess your full 3-bureau credit report, determine if it's indeed a debt collector, and identify any other negative items that might be dragging your score down.

We've successfully helped countless individuals remove potentially inaccurate negative items from their credit reports. By addressing this issue, you’re likely to see a boost in your credit score and a significant improvement in your financial situation. Plus, you'll say goodbye to those harassing calls for good. Let's take this proactive step towards securing your financial future.

Who Is 3123804079: Scam Or Legitimate?

3123804079 is associated with Harris & Harris, Ltd., a debt collection agency. However, many people have reported suspicious or harassing calls from this number.

Here’s what you should do if you receive a call from 3123804079:

- Do not engage directly. Avoid answering or calling back to prevent more calls.
- Verify the debt by requesting a debt validation letter detailing the amount, the creditor’s name, and your rights under the FDCPA.
- Check your credit report for unfamiliar debts at AnnualCreditReport.com.
- Contact your original creditor to confirm if they assigned the debt to a collection agency.
- Report potential scams to the FTC and your state attorney general's office.

If you need assistance, call us for a free, thorough 3-bureau credit report analysis. We're here to help you navigate these issues.

To sum up - avoid engaging directly with 3123804079, verify any claimed debts, check your credit report, confirm with your creditor, and report potential scams. We're here to support you.

How Do I Stop 3123804079 From Harassing Me (How To Report Them)?

To stop 3123804079 from harassing you, start by documenting every unwanted interaction. Write down dates, times, and any details like language used.

First, register your number on the Do Not Call Registry.

Next, block the number using your phone’s call-blocking feature, or get help from your service provider.

Send a cease and desist letter (find a template at eforms.com). Keep a copy for your records.

Consider using call-blocking apps:
- For Android: "Call Blocker - Stop spam calls"
- For Apple: "Robokiller: Spam Call Blocker"

You should also report the calls to the authorities:
- FCC: Report at fcc.gov/complaints, selecting the "unwanted calls" form.
- FTC: Report at ReportFraud.ftc.gov or DoNotCall.gov.
- CFPB: Submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

If the harassment continues, consult a lawyer who specializes in harassment cases. They can help you understand your rights and take legal action if necessary.

To wrap things up, you should register your number on the Do Not Call Registry, block the harassing number, send a cease and desist letter, use call-blocking apps, report the harassment to the appropriate authorities, and consider consulting a lawyer if needed.

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

Should I Block Or Ignore 3123804079?

Yes, you should block or ignore calls from 312-380-4079. Blocking or ignoring these calls won't hurt your credit score. Here's what you need to know:
- No Direct Consequences: Blocking or ignoring the number won't have any immediate negative effects. Just ensure you're not missing calls about any legitimate debt you owe.
- Addressing Harassment: If these calls are relentless, blocking is smart. Remember, legitimate debt collectors must verify your debt if you request it.
- Seek Professional Help: Instead of dealing with potential harassment, consider working with a reputable credit repair company. They can help manage and possibly remove inaccuracies from your credit report.

In the end, you should block or ignore 312-380-4079, protect your peace, and seek professional help if necessary.

Can A Debt Collector Like 3123804079 Sue Me?

Yes, a debt collector like 3123804079 can sue you, but it's usually a last resort. Lawsuits are costly and time-consuming, and collectors prefer using calls and letters first.

Here’s what you need to know:
- Proof of Debt: They must prove you owe the debt, the amount is correct, and they have the right to sue. This can be tough, especially if the debt has changed hands.
- Cost and Effort: Suing is expensive, and collectors often won't proceed unless the debt is substantial, typically over $5,000.
- Statute of Limitations: Each state has a limited time frame for suing. If your debt is old, it might be beyond this period.
- Legal Documents: If they do sue, you will get a court summons. You must 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 (FDCPA), protecting you from abusive or deceptive practices. If you get sued, consider consulting an attorney to understand your options.

As a final point, a debt collector like 3123804079 can sue you, but they must prove the debt, and suing is usually a costly last resort. Each state has specific limitations, and if sued, you must respond promptly. Understanding your FDCPA rights and consulting an attorney can help you navigate this situation.

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

3123804079 Might Have Your Personal Information

Yes, the phone number 3123804079 might have your personal information, so you need to be cautious. If you get calls from this number, it’s best not to pick up. Here's why:
- People report that Harris & Harris use this number for debt collection calls. They often ask for personal information but may not provide proof of debt.
- If you answer, do not give out personal details such as your social security number or credit card information as it could be a scam.
- Even if the call seems legitimate, get your 3-bureau credit report and start working on a plan to improve your credit.

You should consider working with a reputable credit repair company for several reasons:
- They help you understand and dispute inaccuracies on your credit report.
- They assist in protecting your identity from potential fraud.
- They provide a comprehensive plan to improve and maintain your credit score.

Let’s protect your personal information together. Block these calls and take charge of your financial safety today!

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

Types Of Debt Collected By 3123804079

If you're wondering about the types of debt collected by Harris & Harris, Ltd., you might get calls about unpaid medical bills, utilities, government fees, or other services. They primarily work with healthcare providers, utility companies, and government agencies.

Here are some key types of debt they handle:
- Medical debt from hospitals or clinics
- Utility bills like water and electricity
- Government fees and taxes

If you need help managing your debt, we're here to assist you at The Credit Pros.

All things considered, if you're contacted by Harris & Harris, Ltd. at 3123804079, it's likely because they are collecting on medical, utility, or government-related debts. Reach out to us at The Credit Pros if you need guidance on handling your debts effectively.

How Do I Check If I Owe Money To 3123804079?

To check if you owe money to 3123804079 (Harris & Harris, Ltd.), follow these steps:

First, go through your own records. Look for any final bills, account statements, or receipts that could indicate an outstanding debt. This can help you determine if you owe money.

Next, review your credit report. You can get a free credit report from sites like AnnualCreditReport.com. Check if Harris & Harris is listed as a creditor on your report.

You should then request debt validation. If you find a debt linked to Harris & Harris on your credit report, ask the agency to provide documentation proving you owe the debt.

Don't contact the debt collector directly at first. Doing so might restart the statute of limitations on old debts. Instead, gather all necessary information beforehand.

Lastly, consider consulting a consumer protection lawyer. They can offer legal advice if you’re dealing with harassment over disputed debts.

Lastly, make sure you review your records and credit report, request debt validation, avoid direct contact initially, and consult a lawyer if necessary to clarify any debts with 3123804079.

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

Which Debt Collection Laws And Regulations Protect Me From 3123804079

Debt collection laws and regulations protect you from harassment and unfair practices. The Fair Debt Collection Practices Act (FDCPA) is the main federal law that safeguards your rights against abusive, deceptive, or unfair practices by third-party debt collectors. This includes rules on when and how they can contact you, such as not calling before 8 AM or after 9 PM and not contacting you at work if your employer forbids it.

In Illinois, you have additional protections under state laws like the Illinois Collection Agency Act (ICAA) and the Illinois Consumer Fraud and Deceptive Business Practices Act (ICFDBPA). These laws ensure that debt collectors must be licensed and cannot use false or abusive practices. They also must provide full and clear information about the debt they are trying to collect.

If a debt collector violates these rules, you can take action by:
- Demanding they stop all communication with you.
- Filing a lawsuit against them for any violations of the FDCPA or state laws.
- Reporting them to authorities like the Federal Trade Commission (FTC) or your state Attorney General.

Finally, understanding these protections helps you stand up against unfair debt collection practices. If you need help, we at The Credit Pros can provide guidance and support through this process.

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 3123804079/Harris & Harris, Ltd. Have Any Lawsuits Against Them?

Yes, Harris & Harris, Ltd. has faced numerous lawsuits and complaints against them. Here are some key details:
- KASALO v. HARRIS & HARRIS, LTD.: This case, heard by the United States Court of Appeals for the Seventh Circuit on August 26, 2011, involved allegations about their debt collection practices.
- Washington State Lawsuit: In March 2024, Harris & Harris agreed to pay $1 million to settle a lawsuit that accused them of collecting medical payments from over 160,000 patients without disclosing their rights properly. This lawsuit was part of a broader action by Attorney General Bob Ferguson against Providence Health & Services and its debt collectors.

Additionally, there have been numerous consumer complaints against Harris & Harris, Ltd.:
- Better Business Bureau (BBB) Complaints: There are nearly 300 complaints filed with the BBB and the Consumer Financial Protection Bureau (CFPB). These complaints typically involve allegations of harassment, robocalls, and violations of the Fair Debt Collection Practices Act (FDCPA).
- Consumer Complaints: Many consumers have reported issues such as receiving robocalls, being harassed for debts they do not owe, and not receiving clear information about the debts.

If you are dealing with Harris & Harris, Ltd. and experiencing issues, you may want to file a complaint with the BBB or CFPB, or seek legal advice to understand your rights and options.

In closing, Harris & Harris, Ltd. has faced multiple lawsuits and complaints for their debt collection practices. If you experience issues, consider filing a complaint or seeking legal advice to protect your rights.

What Do People Online Say About 3123804079?

People online have mixed opinions about the phone number 312-380-4079. Discussions on platforms like Reddit show users like "johnsmith88" saying, "I keep getting calls from 312-380-4079, it's annoying." Similarly, "amyjones19" shared, "312-380-4079 called me about a debt that I paid off years ago. Super frustrating!"

On Nomorobo's site, it's noted as a spam call, with user "Angela Adams" commenting, "This is Angela Adams calling from Harris and Harris Limited. Please contact me or any of our representatives at 312-604-7176."

Overall, people generally find the number linked to persistent calls and unresolved debt issues, leading to widespread frustration.

Do I Really Need To Remove 3123804079 From My Credit Report?

Yes, you really should consider removing 3123804079 from your credit report if it's potentially inaccurate. Cleaning up your credit history can improve your score, especially if unfairly impacted. However, disputing inaccuracies on your own can be time-consuming and stressful. Instead, reach out to a reputable credit repair company like us, The Credit Pros, to handle the process for you.

Here's what we advise you to do:
- Check all three credit reports (Experian, Equifax, and TransUnion) to confirm the collection appears.
- Gather evidence that the debt is inaccurate or already paid off.
- Be cautious and avoid typical credit repair companies that may not be trustworthy.
- Contact a reputable company to dispute any potentially inaccurate items.

As a final point, it's crucial you take these steps to clean up your credit report with minimal stress. Proper assistance can really ease the load.

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

Here are other formats 3123804079 can be written

- +1 312-380-4079
- +1 (312) 380-4079
- +1 312 380 4079
- (312) 380-4079
- 312-380-4079
- 312.380.4079
- 312 380 4079
- +13123804079
- (312) 380-4079
- 312.380.4079
- 3123804079

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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