Home / Who Is 3128934813 (+ How Are They Hurting My Credit Score)

Who Is 3128934813 (+ How Are They Hurting My Credit Score)

  • Phone number 3128934813 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.
List of company featuring our services

Main phone number related with this page is: 3123804079

Calls from 312-893-4813 might come from a debt collector or a scammer trying to harm your credit score. This number connects to Harris & Harris, Ltd., a debt collection agency. They might call to collect an outstanding debt they bought or to work as an intermediary for another debt collector. Ignoring or blocking their calls won’t solve the problem; it only provides a temporary fix.

If this is a debt collector, they’re probably trying to recover a debt you owe. Blocking them might stop the harassment for now, but it doesn't address the issue affecting your credit score. The best step is to get a full evaluation of your 3-bureau credit report. The Credit Pros can help with a straightforward, no-pressure conversation to see if this debt is accurate or if there are other negative items hurting your financial health.

We've helped countless people in your situation remove potentially inaccurate negative items from their credit reports. This often boosts their credit score and improves their overall financial health. Plus, no more harassing calls! Remember, dealing with this promptly ensures a better financial future. So, don’t hesitate to reach out for the support you need.

Who Is 3128934813: Scam Or Legitimate

The number 312-893-4813 is associated with Harris & Harris, Ltd., a debt collection agency. However, scammers might pretend to be legitimate debt collectors. Here's what we advise you to do:

• Don't engage with the caller directly.
• You shouldn't pay any debt immediately if you're unsure about the details.
• Pull your credit report to check for any negative items.
• If you find this company listed, it’s probably a legitimate call, but still, avoid responding directly.
• Contact The Credit Pros for a free 3-bureau credit report evaluation.
• We can help you verify any debt claimed by this collector, dispute inaccurate items, and improve your financial situation.

To sum up, protect your personal information by not engaging directly, check your credit report, and reach out to professionals like The Credit Pros for further assistance.

How Do I Stop 3128934813 From Harassing Me (How To Report Them)

To stop 312-893-4813 from harassing you, follow these steps:

First, document every unwanted call. Keep track of the dates, times, and any comments made during each interaction. Next, register your number on the Do Not Call Registry by visiting DoNotCall.gov; it only takes a few minutes.

You should block the number using your phone’s built-in call-blocking feature or contact your service provider for help. If the calls persist, consider sending a cease and desist letter. You can find a template at eforms.com. For severe cases, think about filing for a restraining order or hiring a harassment lawyer.

You might also want to use call-blocking apps. For Android, try 'Call Blocker - Stop spam calls,' and for iPhone, use 'Robokiller: Spam Call Blocker'.

Report the number to federal agencies. You can file a complaint with the FCC at fcc.gov/complaints for illegal robocalls or spoofed calls. Report to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.

Additionally, gather all information and submit a complaint to the CFPB by visiting consumerfinance.gov/complaint or calling (855) 411-2372. You should also contact your phone carrier for any extra call-blocking tools they may offer and check with local or state consumer protection offices for more resources.

To wrap things up, make sure you document all unwanted interactions, register on the Do Not Call Registry, block the number, use call-blocking apps, and report the harassment to the appropriate federal agencies. This approach should help you stop and report the harassment from 312-893-4813 effectively.

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

Should I Block Or Ignore 3128934813

You should block and ignore the number 3128934813, especially if it's a robocall or spam. If the call is from a debt collector like Harris & Harris, Ltd., blocking them is a smart idea if they're being harassing. Blocking or ignoring this number won't have any real consequences.

Here’s what we advise you to do:

• Block: Your credit score won’t drop from blocking or ignoring them.
• Use a Service: Services like Nomorobo can automatically block robocalls and unwanted calls.
• Credit Repair: Work with a reputable credit repair company to help with any negative items on your credit report.

If it's a collection already on your report, ignoring them won’t hurt it further. Blocking these calls will help reduce stress and give you peace of mind.

In the end, by blocking or ignoring 3128934813, using call-blocking services, and addressing any credit report errors, you can reduce stress and protect your peace of mind.

Can A Debt Collector Like 3128934813 Sue Me

Yes, a debt collector like 3128934813 can sue you, but it's unlikely. Here's what you need to know:

Debt collectors usually turn to lawsuits as a last resort, typically when the debt is substantial, often over $5,000. Suing costs money and time, so it's not their first choice.

They must prove you owe the debt, that the amount is correct, and they have the legal right to sue. This can be difficult, especially if the debt has been sold multiple times.

Each state has a statute of limitations that dictates the time frame within which a debt collector can sue you. If your debt is old, a lawsuit may be less likely.

Debt collectors prefer using calls and letters to collect the debt before considering a lawsuit.

If they decide to sue, you’ll 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. You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive or deceptive practices. We advise you to consult an attorney if you receive a lawsuit to understand your options and defenses.

As a final point, remember that lawsuits are rare, but if you find yourself served, act quickly to protect your rights and consult an attorney for advice.

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

3128934813 Might Have Your Personal Information

3128934813 might have your personal information. You shouldn't share any details with debt collectors like this. If they call, it's better if you don't pick up because they could ask for sensitive info before explaining why they're calling, which is risky. Instead, get your 3-bureau credit report and make a plan to better your credit.

Here’s what you can do:
• Ignore the calls to protect your personal info.
• Obtain and review your 3-bureau credit report.
• Work with a reputable credit repair company for professional help.

Bringing it all together - by ignoring the calls, checking your credit report, and working with a credible credit repair company, you safeguard your information and take proactive steps to improve your financial health.

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

Types Of Debt Collected By 3128934813

Harris & Harris, Ltd. collects various types of debt, primarily focusing on healthcare, government, and utility debt. They also offer skip tracing services to help locate individuals who owe these types of debts.

If you've been contacted by 312-893-4813, it's usually related to one of these debt categories. They don't exclusively purchase debt from specific creditors, so it's worth checking the details if you're contacted.

All things considered, you likely have a debt in healthcare, government, or utilities if Harris & Harris, Ltd. reaches out to you from 312-893-4813. Ensure you verify the debt details before taking any action.

How Do I Check If I Owe Money To 3128934813

To check if you owe money to 312-893-4813, start by reviewing your records. Look through your final bills, account statements, or any equipment return receipts. This will help you identify if you have an unpaid balance.

Next, check your credit report for any entries related to this debt. If you find a debt connected to 312-893-4813, make a note of the details. You should also request debt validation from the collections agency to verify the debt and ensure its accuracy.

If you feel harassed over a disputed debt, consult a consumer protection lawyer for advice. It's essential that you avoid contacting the number directly to prevent restarting the statute of limitations on old debts.

Lastly, make sure you gather documentation and verify the debt before taking any action to protect yourself.

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

Which Debt Collection Laws And Regulations Protect Me From 3128934813

To know which debt collection laws and regulations protect you from calls from 3128934813, you should be aware of key laws designed to shield you from improper practices.

Overview of Debt Collection Laws

1. Fair Debt Collection Practices Act (FDCPA)
- This governs debt collection practices across the U.S.
- It prohibits abusive, deceptive, or unfair practices.
- This act applies to personal debts such as credit cards, auto loans, medical bills, and mortgages.
- It does not cover business debts.

2. State Debt Collection Laws
- States may have additional laws offering extra protections.
- For instance, New York requires strict licensing for debt collectors.

Prohibited Conduct

Debt collectors, including Harris & Harris, Ltd., cannot:
- Contact you before 8 AM or after 9 PM.
- Call you at work if your employer does not allow it.
- Use obscene, profane, or abusive language.
- Threaten violence or criminal actions.
- Harass you with repeated calls.
- Falsely represent themselves as attorneys or government officials.
- Reveal your debt to third parties.
- Demand larger payments than allowed by law.

Required Disclosures

Debt collectors must:
- Provide a written validation notice with the amount owed, the creditor’s name, and your rights.
- Stop collection until they verify the debt if you dispute it within 30 days.
- Inform you that the communication is an attempt to collect a debt and any information gathered will be used for that purpose.

Your Rights

You have the right to:
- Demand in writing that a debt collector stops contacting you.
- Have any communication about the debt go through your attorney if you have one.
- Sue for violations of FDCPA within one year to recover actual damages, plus statutory damages up to $1,000 and attorney fees.
- Report violations to the FTC, CFPB, or your state attorney general.

Finally, by knowing which debt collection laws and regulations protect you from 3128934813, you can effectively handle calls and ensure any debt is accurately verified before making any payments.

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 3128934813/Harris & Harris, Ltd. Have Any Lawsuits Against Them

Yes, Harris & Harris, Ltd. has several lawsuits and complaints against them.

• KASALO v. HARRIS & HARRIS, LTD. (August 26, 2011) - This case was handled by the United States Court of Appeals for the Seventh Circuit and involved this debt collection firm.

• Better Business Bureau (BBB): You will find hundreds of complaints regarding their debt collection practices.
• Consumer Financial Protection Bureau (CFPB): Over 1,000 complaints exist, primarily for aggressive tactics, inaccurate debt reporting, and persistent contacting practices.

If you are dealing with them, you might want to consider disputing the debt or seeking legal advice.

In closing, it's clear that Harris & Harris, Ltd. faces multiple lawsuits and complaints. If you experience issues, consider disputing the debt or getting legal support.

What Do People Online Say About 3128934813

People have mixed feelings online about 312-893-4813. Here are some specific quotes from Reddit users:

- User 'grapefruit_galaxy' posted, 'Got a call from 3128934813 claiming to be Harris & Harris. They asked for personal information. Seemed shady, so I hung up.'
- User 'TacoFan12345' shared, 'This number keeps calling me about some debt I supposedly have with a medical provider. I've never heard of Harris & Harris before!'
- User 'DebtFreeDude' stated, 'Harris & Harris called me from 312-893-4813. They left a voicemail about settling a debt. I think it's legit but annoying.'

You can see a pattern in these comments:
- Calls are reported from 312-893-4813 claiming to represent Harris & Harris, a debt collection agency.
- There are common complaints about requests for personal information and relentless calls about debts.
- Users express concern and skepticism, questioning the legitimacy of these calls.

If you receive calls from this number, it's wise to verify the caller's legitimacy before sharing any personal information.

Overall, online discussions about 312-893-4813 reveal mixed experiences, with many finding the calls suspicious and annoying. Stay cautious and verify details before proceeding.

Do I Really Need To Remove 3128934813 From My Credit Report

Yes, you really need to remove 3128934813 from your credit report if it's inaccurate. This type of collection can hurt your credit score, making it harder for you to get loans or credit cards.

Instead of hiring a typical credit repair company, many of which have poor reputations, you can save time and frustration by reaching out to a reputable company like The Credit Pros. We can help you handle this efficiently and get back on track. Disputing on your own is very time-consuming, but using our services can make a world of difference.

As a final point, remember that addressing inaccuracies on your credit report is crucial. You have the option to handle this on your own or seek help from a trusted service like The Credit Pros to save time and ensure accuracy.

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

Here are other formats 3128934813 can be written

- +1 312-893-4813
- +1 (312) 893-4813
- +1 312 893 4813
- (312) 893-4813
- 312-893-4813
- 312.893.4813
- 312 893 4813
- +13128934813
- (312) 893-4813
- 312.893.4813
- 3128934813

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.

Privacy and Cookies
We use cookies on our website. Your interactions and personal data may be collected on our websites by us and our partners in accordance with our Privacy Policy and Terms & Conditions