Home / Who is 3124603948 and why are they calling me?

Who is 3124603948 and why are they calling me?

  • Phone number 3124603948 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

Receiving calls from 312-460-3948? It could be a legitimate debt collector like Harris & Harris, Ltd., or a pesky scam trying to mess with your credit score. If this number keeps bugging you, don't just ignore or block it-that’s not a long-term fix.

Likely, this debt collector has purchased an outstanding debt of yours and is now trying to collect it. They might call persistently or even through an intermediary. While blocking the number will give you peace temporarily, it won't solve the root problem. Ignoring these calls can lead to bigger issues, potentially hurting your financial well-being.

Your best bet? Call The Credit Pros using the number above. We’ll have a quick, zero-pressure chat to review your credit report from all three bureaus. We'll identify if it’s indeed a debt collector and spot any other possible negative items dragging down your score. By addressing this potentially inaccurate item, you could boost your credit score and improve your overall financial security, all while saying goodbye to those annoying calls.

Who Is 3124603948: Scam Or Legitimate?

To answer your question, 312-460-3948 is associated with Harris & Harris, Ltd., a legitimate debt collection agency. However, if you receive a call from this number, you should be cautious.

First, do not engage directly or provide personal information. Ask for a debt validation letter to verify the debt. Check your credit report for discrepancies using AnnualCreditReport.com.

Second, don't feel pressured to pay immediately if you question the debt's validity. Contact your original creditor to confirm if they assigned the debt to a collection agency. If something feels off, report it to the Federal Trade Commission (FTC) and your state attorney general.

To sum up, if you get a call from 312-460-3948, don't engage or share personal details. Verify the debt with a validation letter, cross-check with your credit report, and contact your original creditor. For extra help, consider calling us, The Credit Pros, for a free credit report analysis.

How Do I Stop 3124603948 From Harassing Me (How To Report Them)?

To stop 3124603948 from harassing you, you should start by keeping detailed records of all interactions. Write down the dates, times, and anything abusive that’s said. This documentation will be essential if you need to escalate the issue.

Next, add your number to the Do Not Call Registry and block the number on your phone. Contact your service provider for additional help with blocking.

If the harassment continues, follow these steps:
- Send a Cease and Desist Letter: Use a template from eforms.com.
- File Complaints:
- FCC: Report illegal robocalls or spoofed numbers at fcc.gov/complaints.
- FTC: Report disregarded calls or telemarketing at ReportFraud.ftc.gov or DoNotCall.gov.
- CFPB: Submit complaints online at consumerfinance.gov/complaint, by phone at (855) 411-2372, or by mail to 1700 G Street, NW, Washington, DC 20552, Attention: Chief Privacy Officer.

You can also use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple.

For persistent issues, consider hiring a harassment lawyer or exploring a restraining order.

To wrap things up, keep detailed records, block the number, file complaints with relevant authorities, use call-blocking apps, and consider legal assistance to stop the harassment.

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

Should I Block Or Ignore 3124603948?

You should block or ignore calls from 312-460-3948 if they are causing you stress or seem harassing. Blocking these calls won't impact your credit score just because you stop answering, although it won't make a legitimate debt go away.

Here's what we advise you to do:
- Determine if it's a debt collector. If Harris & Harris, Ltd. is calling, they must provide verification of the debt.
- Block the number. If you feel harassed, blocking the call is a smart idea.
- Work with a credit repair company. A reputable company can help address inaccuracies on your credit report and mitigate potential negative impacts.

Blocking the calls reduces stress and helps you manage the situation better. If the debt is legitimate, ignoring the calls won't affect your credit score any more than it already has, but you won't miss crucial information either.

In the end, block the number to reduce stress, verify the caller's legitimacy, and work with a reputable credit repair company to clear up any inaccuracies on your credit report.

Can A Debt Collector Like 3124603948 Sue Me?

Yes, a debt collector like 3124603948 can sue you, but it’s quite unlikely. Suing is usually a last resort for collectors, generally when you owe a substantial amount, often over $5,000.

Here’s what you need to know:
- Proof of Debt: They must prove you owe the debt, the amount is accurate, and they have the legal right to sue. This can be tough, especially if the debt has been sold multiple times.
- Cost and Effort: Suing is expensive and time-consuming. Collectors often prefer settling out of court to avoid these costs.
- Statute of Limitations: Each state has a time limit within which they can sue you. If the debt is old, it might be beyond this period, making a lawsuit less likely.

You typically receive calls and letters before any lawsuit happens. If they do decide to sue, you’ll get a court summons and complaint. It’s crucial that you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is rare.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). Consider consulting with an attorney if you receive a lawsuit to understand your options.

As a final point, a debt collector like 3124603948 can sue you, but it’s uncommon. Ensure they can prove the debt, recognize the costs they face, check the statute of limitations, and always respond to any legal summons to protect your rights.

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

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3124603948 Might Have Your Personal Information

3124603948 might have your personal information. This number is tied to Harris & Harris, a debt collection agency known for requesting sensitive details. It's crucial that you do not provide them with any information or answer their calls. Engaging with them can lead to more persistent and aggressive tactics.

Instead, here's what we advise you to do:
- Block the Number: Prevent stress and avoid accidentally giving away personal details.
- Check Your Credit Report: Get a three-bureau credit report to understand your financial standing and spot inaccuracies.
- Work with Professionals: A reputable credit repair company can help handle disputes and inaccuracies on your credit report.

By following these steps, you protect your personal information and improve your financial health. Remember, we are here to guide you through every step.

Take Control Today: Block unwelcome calls, check your credit, and let’s work together to secure a better financial future. You’ve got this!

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

Types Of Debt Collected By 3124603948

If you've received a call from 312-460-3948, Harris & Harris, Ltd. is likely contacting you about specific types of debt. They specialize in collecting debts related to healthcare, utilities, and government agencies. You might owe money to hospitals, clinics, utility companies, or governmental bodies.

Here’s a breakdown of the debts they might be contacting you about:
- Medical debts from healthcare providers.
- Utility payments you may owe to utility companies.
- Debts owed to government agencies.

If Harris & Harris, Ltd. has reached out, it's crucial to identify the debt in question so you can handle it appropriately.

All things considered, understanding the types of debt collected by 3124603948 helps you address them with confidence and clarity.

How Do I Check If I Owe Money To 3124603948?

To check if you owe money to 312-460-3948, follow these steps:

First, review your records. Look through your final bills, account statements, and equipment return receipts. These documents will help you verify if you owe any money and to whom.

Next, check your credit reports. Visit AnnualCreditReport.com to get your reports from Experian, Equifax, and TransUnion for free. These reports will list any active debts or accounts in collections, including any associated with Harris & Harris, Ltd.

Request debt validation. If you find a debt related to 312-460-3948 on your credit report, ask the collector for validation. This ensures they provide proof that the debt is legitimate and belongs to you.

Stay cautious and avoid contacting Harris & Harris directly without validating the debt first, as this may restart the statute of limitations on old debts.

Lastly, if you face harassment or have issues with disputed debts, consider consulting a consumer protection lawyer for guidance. Make sure to gather as much documentation from your records and credit reports before reaching out to any collectors.

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

Which Debt Collection Laws And Regulations Protect Me From 3124603948

Various laws protect you from unfair debt collection practices related to calls from numbers like 3124603948. Here's what you need to know:

Federal Protections:
- Fair Debt Collection Practices Act (FDCPA): This law prohibits third-party debt collectors from using abusive, deceptive, or unfair practices. They can't contact you before 8 AM or after 9 PM, use obscene language, make threats, or misrepresent themselves.
State Protections in Illinois:
- Illinois Collection Agency Act (ICAA): If you live in Illinois, this law offers extra protections. Collectors must be licensed, avoid calling at inconvenient times, and adhere to strict communication rules.
Your Rights:
- Stop Communication: You can write to a collector asking them to stop contacting you.
- Attorney Representation: If you have an attorney, collectors must talk to them instead of you.
- Validation Notice: Collectors must provide a written notice about the debt, including the amount owed and your rights to dispute it.

Prohibited Conduct:
- They can't disclose your debt to third parties.
- They can't use abusive or profane language.
- They can't threaten legal action they don't intend to take.

Knowing these laws helps you understand your rights and protect yourself from unfair practices. If a debt collector violates these laws, you can report them to the FTC, CFPB, or your state attorney general. You can also file a lawsuit and may be entitled to damages.

Finally, understanding which debt collection laws and regulations protect you from 3124603948 empowers you to take action and safeguard your rights.

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 3124603948/Harris & Harris, Ltd. Have Any Lawsuits Against Them?

Yes, Harris & Harris, Ltd. has faced several lawsuits and complaints. Here's what you need to know:

The firm has been involved in notable legal actions such as the KASALO v. HARRIS & HARRIS, LTD. case heard by the United States Court of Appeals for the Seventh Circuit on August 26, 2011. Furthermore, in 2024, they agreed to pay $1 million in a settlement over a lawsuit in Washington State. The lawsuit claimed they collected medical payments from more than 160,000 patients without providing essential disclosures about their rights.

There have also been numerous complaints against Harris & Harris. Since 2015, 95 complaints have been filed with the Better Business Bureau (BBB). These include allegations of FDCPA violations, such as refusing to provide debt validation information, reporting false credit information, and making harassing phone calls. Additionally, 192 complaints have been filed with the Consumer Financial Protection Bureau (CFPB), citing repeated calls, refusal to listen to consumers, and attempts to collect on paid debts.

If you feel Harris & Harris is using unfair practices, it is crucial that you contact a legal professional for assistance.

In closing, Harris & Harris, Ltd. has faced several lawsuits and numerous complaints about their debt collection practices. We advise you to seek legal help if you believe they are acting unfairly.

What Do People Online Say About 3124603948?

Online reviews about the phone number 312-460-3948 are mostly negative. Users across different platforms report various issues that you should be aware of:

- "It was a recording claiming to be a collection agency, but I don’t owe any money (to anyone!). I tried calling, but no answer." - User from Robokiller
- "Block this number because it's a scam caller." - Another user on Robokiller
- On Reddit, one user mentioned: "I received a voicemail recently about an unpaid speeding ticket for $209 that went to collections. The person on the phone couldn’t tell me any information about this speeding ticket other than it was issued in Shelby County."

You will find that common complaints include relentless calling, inability to verify debts, and robocalls. This number appears to cause a lot of frustration and distrust.

Overall, if you're getting calls from 312-460-3948, you should block the number and report it to avoid further nuisance.

Do I Really Need To Remove 3124603948 From My Credit Report?

You should consider removing 3124603948 from your credit report if the collection is inaccurate. Collections, especially those managed by debt collectors like Harris & Harris, can hurt your credit score, affecting your ability to get loans or credit products. Here's how you can handle the situation:

- Check for accuracy by obtaining your credit report from annualcreditreport.com. Verify that the collection is listed and correct.
- Dispute inaccuracies yourself, but be prepared for a time-consuming and meticulous process.
- Consider hiring a reputable credit repair company like The Credit Pros to navigate the credit bureau processes and improve your chances of removing inaccuracies.

Only inaccurate collections can be removed, so if the information is correct, you will need other credit repair strategies. Avoid credit repair scams as they waste time and money. If you suspect inaccuracies, removing the collection can help boost your financial freedom.

As a final point, you should verify the accuracy of 3124603948, dispute any inaccuracies, and get professional help if needed to restore your credit score effectively.

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

Here are other formats 3124603948 can be written

- +1 312-460-3948
- +1 (312) 460-3948
- +1 312 460 3948
- (312) 460-3948
- 312-460-3948
- 312.460.3948
- 312 460 3948
- +13124603948
- (312) 460-3948
- 312.460.3948
- 3124603948

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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