Home / Who Is 3145130122 (+ How Are They Hurting My Credit Score)

Who Is 3145130122 (+ How Are They Hurting My Credit Score)

  • Phone number 3145130122 is likely a debt collector called:' Consumer Collection Management'.
  • 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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That call from 3145130122 probably comes from Consumer Collection Management or might be a scam. They’re trying to collect an outstanding debt you owe. Ignoring or blocking the call only provides temporary relief.

Debt collectors likely purchased your debt and want their money back, or a company might be acting on their behalf. Blocking the number won’t solve the underlying problem. You need to take action.

The best step is to call The Credit Pros. We can have a no-pressure chat to review your credit report from all three bureaus. We’ll help verify if it’s a legitimate debt collector and identify any other inaccuracies affecting your score. We’ve helped countless people remove inaccurate negative items, improve their credit scores, and stop those annoying calls. Give us a call to start fixing your financial situation today.

Who Is 3145130122: Scam Or Legitimate

The phone number 314-513-0122 belongs to a debt collection agency, Consumer Collection Management. However, it could also be a scam. It's important that you don't engage directly with the caller. You aren’t obligated to pay any debt immediately if you have doubts. Instead, get your free 3-bureau credit report evaluation from us to check for any potentially inaccurate or negative items that might hurt your score.

To take action:
• Block the number.
• Review your credit report for inaccuracies.
• Contact The Credit Pros for help.

To sum up - stay cautious, check your credit report, and block the number to protect yourself. We can assist you in verifying any debt, disputing inaccuracies, and improving your financial outlook.

How Do I Stop 3145130122 From Harassing Me (How To Report Them)

To stop 314-513-0122 from harassing you and report them, follow these steps:

First, document every unwanted interaction. Keep a log with dates, times, and any abusive language used.

Next, register your number at DoNotCall.gov and block the number through your phone’s call-blocking feature or by contacting your service provider for assistance.

If the harassment continues, consider additional measures:
• Seek a restraining order if threats escalate.
• Hire a harassment lawyer to enforce federal and state laws.
• Send a cease and desist letter using a template from eforms.com.

You should also use call-blocking apps:
• For Android, try 'Call Blocker - Stop spam calls.'
• For Apple, use 'Robokiller: Spam Call Blocker.'

You can file a complaint with the Federal Communications Commission (FCC) at fcc.gov/complaints or report unwanted calls to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or DoNotCall.gov.

For financial harassment, contact the Consumer Financial Protection Bureau (CFPB):
• Gather all interaction records.
• Submit a complaint online at consumerfinance.gov/complaint, by phone at (855) 411-2372, or by mail to CFPB at 1700 G Street, NW, Washington, DC 20552.

Lastly, check with your phone carrier for call-blocking tools and report robocalls if you use Nomorobo. Your local or state consumer protection office may have additional resources or complaint mechanisms.

To wrap things up, document every interaction, block the number, and use appropriate legal and reporting avenues to stop 314-513-0122 from harassing you.

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

Should I Block Or Ignore 3145130122

You should block 3145130122. If you ignore them, you might receive continuous calls that disrupt your day. Blocking the number prevents further harassment, especially if it's a debt collector like Consumer Collection Management.

Blocking this number won't hurt your credit score. Instead, work with a reputable credit repair company to address any inaccuracies on your report. This proactive step reduces stress and ensures professional help to fix your credit issues.

• Blocking stops harassment.
• Your credit score remains unaffected.
• Seek a credit repair company's assistance.

In the end, you should block the number to avoid harassment and consult a credit repair company for any report inaccuracies, ensuring peace of mind and a clear action plan.

Can A Debt Collector Like 3145130122 Sue Me

Yes, a debt collector like 3145130122 can sue you, but it's uncommon. They usually resort to lawsuits only as a last option, generally for debts over $5,000. They need to prove the debt, the amount, and their right to sue, which is challenging if the debt has changed hands.

Suing is costly and time-consuming, so most collectors use calls and letters. Each state has a statute of limitations, which might prevent a lawsuit for older debts.

If sued, you'll get a court summons and complaint. You must respond within the deadline to avoid a default judgment that can lead to wage garnishment or bank account levies. These outcomes are rare.

You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive or deceptive tactics. Consider consulting an attorney if you're sued.

As a final point, remember to keep records of all communications, and if your rights are violated, you can sue the collector for damages.

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

3145130122 Might Have Your Personal Information

If you've been called by 314-513-0122, it's likely because Consumer Collection Management might have your personal information. Here’s what you should do:

- Don’t provide any information when they call. Debt collectors can use anything you say against you.
- Don’t pick up the phone if you see their number. Interacting with them can sometimes make things worse.
- Obtain your 3-bureau credit report to understand your current standing and check for accuracy. This is crucial for building a comprehensive credit repair plan.
- Consider working with a reputable credit repair company. They specialize in dealing with debt collectors and can help you dispute any inaccuracies on your credit report. Companies like Credit Sage can be particularly helpful because they can negotiate on your behalf and potentially improve your credit score without you having to pay the debt.

Bringing it all together, if 3145130122 Might Have Your Personal Information, avoid sharing details, get your credit report, and consult a credit repair company to manage any issues effectively.

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

Types Of Debt Collected By 3145130122

Consumer Collection Management, known by the number 314-513-0122, handles various types of debt. You might deal with debts like credit card balances, medical bills, auto loans, and personal loans. They gather these debts from creditors who have struggled to get you to pay.

To contact you, they use your address, phone numbers, and sometimes even reach out to your relatives. If you're contacted, it’s crucial that you understand your rights and the regulations that protect you from unfair practices.

All things considered, knowing the types of debt collected by 314-513-0122 helps you stay informed and assert your rights effectively.

How Do I Check If I Owe Money To 3145130122

To check if you owe money to 3145130122, follow these steps:

First, visit annualcreditreport.com to get your free credit reports. Look for any collection accounts listed and note the contact information for the collection agencies. This will help you see if there are any debts tied to the number 3145130122.

Next, go through your financial records. Search for unpaid bills, past due notices, and any final bills or account statements. This helps you identify any debts you might have missed.

If you find a collection account from 3145130122, request debt validation from the collection agency. They should provide you with the name of the original creditor and the amount owed.

You can also type 3145130122 into a search engine. This may reveal information from others who have been contacted by this number.

Lastly, do not initiate direct contact with the debt collector until you have all the necessary documentation. This protects you from restarting the statute of limitations on old debts. By following these steps, you gather accurate details and protect your credit.

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

Which Debt Collection Laws And Regulations Protect Me From 3145130122

If you're dealing with debt collection issues, including from numbers like 3145130122, the Fair Debt Collection Practices Act (FDCPA) is there to protect you. This federal law ensures debt collectors can't use abusive, deceptive, or unfair tactics against you. Here's what the FDCPA covers to safeguard your rights:

• No Contact at Inconvenient Times: Debt collectors can't contact you before 8 AM or after 9 PM.
• No Contact at Work: If your employer disapproves, debt collectors can't call you at work.
• No Abusive Language: Debt collectors must avoid using obscene or abusive language.
• No Threats: They can't threaten you with violence or criminal action.
• No Harassment: They can't make repeated or continuous calls to harass you.
• No False Representation: Debt collectors can't pretend to be attorneys or government officials.
• No Disclosure to Third Parties: Debt collectors can't discuss your debt with anyone other than you, your spouse, or your attorney.
• No Illegal Demands: Debt collectors can't demand payments larger than what’s legally owed.

Debt collectors must give you a written notice that includes the amount owed, the creditor’s name, and your right to dispute the debt. If you dispute it in writing within 30 days, they must provide verification before continuing collection efforts.

You have the right to write to the collector demanding they stop contacting you. If you have legal representation, they must only communicate with your attorney. You can sue for FDCPA violations within one year and possibly recover damages plus attorney fees. Report violations to the FTC, CFPB, or your state attorney general.

Additionally, your state laws might offer extra protections beyond the FDCPA. Some states require debt collectors to be licensed or adhere to stricter communication rules.

Finally, you can empower yourself by understanding these protections and standing firm against unfair practices from debt collectors.

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 3145130122/Consumer Collection Management Have Any Lawsuits Against Them

No lawsuits have been found against Consumer Collection Management.

However, they do have official complaints related to debt collections, which you should be aware of:

• Aggressive collection tactics
• Repeatedly contacting consumers despite requests to stop
• Incorrect reporting to credit bureaus

If you experience any issues, it is advisable to contact a professional for assistance.

In closing, while there are no lawsuits against Consumer Collection Management, you should stay informed about their complaints and consider seeking professional help if needed.

What Do People Online Say About 3145130122

People online have mixed reactions about the phone number 314-513-0122. Here's what they say:

- User CZJayG on Reddit mentions, 'I'm a transfer agent for a debt collection company... anyone who has worked this field knows we can't disclose the nature of the call unless it's the right party or a spouse.'

- Another anonymous user states, 'I don't think a scammer would care who they get. But simple fact is debt collectors absolutely cannot tell you what the call is about and they aren't gonna risk their job or worse to tell you.'

These reactions highlight that debt collectors' legal obligation to maintain secrecy often leads to frustration and confusion for those receiving the calls.

Overall, you should be aware that while these calls are a legal requirement for debt collectors, they can still be frustrating and lead to misunderstandings.

Do I Really Need To Remove 3145130122 From My Credit Report

Yes, you should remove 314-513-0122 from your credit report if the collection is potentially inaccurate. First, confirm the debt's validity to see if it's listed and identify any inaccuracies.

If you find inaccuracies, dispute them directly with the credit bureaus. Doing this on your own can be time-consuming and challenging. Instead, consider reaching out to a reputable company like The Credit Pros. They can handle these issues efficiently and effectively.

• Confirm the debt's validity first.
• Dispute inaccuracies directly with the credit bureaus if found.
• Save time and effort by getting help from a trusted credit repair company.

As a final point, confirming the debt's validity, disputing inaccuracies, and seeking help from a trustworthy credit repair company can greatly benefit your credit score.

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

Here are other formats 3145130122 can be written

- +1 314-513-0122
- +1 (314) 513-0122
- +1 314 513 0122
- (314) 513-0122
- 314-513-0122
- 314.513.0122
- 314 513 0122
- +13145130122
- (314) 513-0122
- 314.513.0122
- 3145130122

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 Consumer Collection Management 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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