Who Is 3465096019 (+ How Are They Hurting My Credit Score)

The phone number 346-509-6019 belongs to a debt collection agency but might also be a scam. You should avoid engaging with the caller directly. Don't pay any debt immediately if you're unsure about its legitimacy.

To protect yourself, you should:
- Pull your credit report to check for any inaccurate negative items.
- Call us for a free 3-bureau credit report evaluation.
- Block the number to avoid further calls.

We at The Credit Pros have assisted many people facing similar spam calls. If this debt appears as a collection item on your report, it could be legitimate. Regardless, we can help you verify any debt from this collector, dispute inaccurate items, and improve your financial situation.

To sum up, block the number, pull your credit report, and let us assist you with verifying the debt and disputing inaccuracies.

To stop 3465096019 from harassing you, begin by documenting every interaction. Note the dates, times, and any abusive language. Register your number on the DoNotCall.gov to add it to the Do Not Call list. Block the number through your phone’s call-blocking feature or contact your service provider for help.

If harassment continues, here’s what we advise you to do:
- Seek a restraining order if the calls persist or escalate into threats.
- Consider hiring a harassment lawyer to navigate specific Federal and State laws.
- Send a cease and desist letter using the template at eforms.com.

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

Report the harassment to the Federal Communications Commission (FCC) if the calls are illegal robocalls or spoofed via fcc.gov/complaints. Specify 'unwanted calls' and provide necessary details.

For Federal Trade Commission (FTC) reports, especially if the Do Not Call list is ignored, use ReportFraud.ftc.gov or DoNotCall.gov.

Consider reporting to the Consumer Financial Protection Bureau (CFPB):
- Document all interactions.
- Submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.
- Include all relevant details and documents in your complaint.

If you use Nomorobo, report unwanted robocalls as well.

Lastly, contact your phone carrier to inquire about call-blocking tools and options, and explore additional resources at your local or state consumer protection office.

To wrap things up, register on the Do Not Call list, document interactions, block the number, report to FCC and FTC, and seek legal advice if necessary. We hope these steps help you effectively report and stop harassment from 3465096019.

You should block the number 3465096019. Blocking them stops further harassment and prevents stress. If you ignore them, you might still receive calls and messages, which can be disruptive.

Blocking won't affect your credit score. If this number is related to a debt collector, blocking them is a wise move. If you feel harassed, contact a reputable credit repair company to resolve any issues on your credit report. This can help fix inaccuracies without stress.

Here’s what we advise you to do:
• Block the number to stop the calls and messages.
• Ignore any further attempts to contact you.
• Contact a credit repair company for help with inaccuracies.

In the end, block the number and seek professional help to reduce stress and handle any credit report issues.

Yes, a debt collector like the one from number 3465096019 can sue you, though it’s generally unlikely. They often prefer phone calls or letters over legal action because lawsuits are expensive and time-consuming. Usually, legal action is reserved for debts over $5,000, where the cost might be justified.

For a lawsuit, they must prove:
• You owe the debt.
• The amount is accurate.
• They have the right to sue you.

It’s important to know:
• There’s a statute of limitations in each state that limits the time within which they can sue you.
• If they do proceed, you’ll receive a court summons. Respond on time to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices. If you receive a lawsuit, consulting an attorney is a good idea.

As a final point, while a debt collector like 3465096019 can sue you, it’s uncommon. They must prove their case, and state laws limit their time to act. Respond to any summons promptly and seek legal advice if needed.

3465096019 might have your personal information. You should avoid providing any info to debt collectors from this number. It's best not to pick up when they call because these calls could be scams trying to steal more of your personal information.

We advise you to get your 3-bureau credit report and build a comprehensive plan to improve your credit. Working with a reputable credit repair company can help you handle inaccuracies and disputes effectively.

Remember to block this number and use call-blocking apps or services to avoid future nuisance calls.

Bringing it all together - block the number, get your credit report, and work with a credit repair company to protect your personal information and improve your credit.

State Collection Service collects various types of debt you might encounter, including credit card accounts, medical bills, loans, and unpaid utility bills. They typically acquire debt from creditors once it remains unpaid for a certain period, usually between three to six months of default. After the purchase, they work to recover as much of the debt as possible.

Here are some types of debt they handle:
• Credit card debt
• Medical bills
• Loans (e.g., personal or auto loans)
• Unpaid utility bills

Remember, these collection efforts are regulated, so it's important that you know your rights and confirm that the debt is valid.

All things considered, it’s crucial to understand the types of debt collected by 3465096019 to manage your finances better and protect your rights.

First, gather your records to check for any final bills, account statements, or receipts from State Collection Service. Don't contact them directly. Instead, check your credit report for any listings from them. If you see something, request debt validation from the collection agency. This means they have to prove the debt is yours.

Send a written request to dispute any debt you think isn't yours. Consulting a consumer protection lawyer may be useful if you face harassment or can't resolve disputes.

Don't share personal financial information like bank account numbers unless you're sure they're legitimate. Use your records and credit reports first to avoid any issues with inaccurate collections. If you're feeling overwhelmed, consider working with a reputable credit repair company.

Lastly, gather all necessary documentation before reaching out to any debt collectors, ensuring you stay proactive and in control of your financial situation.

To answer your question, 'Which Debt Collection Laws and Regulations Protect Me from 3465096019,' several laws and regulations provide protection for you.

Fair Debt Collection Practices Act (FDCPA)
- This is the main federal law that protects you.
- It prohibits abusive, deceptive, or unfair practices by debt collectors.
- It covers personal, family, and household debts like credit cards, auto loans, medical bills, and mortgages.

State Debt Collection Laws
- Some states offer additional protections beyond the FDCPA.
- For example, New York has strict licensing requirements for debt collectors.

Prohibited Conduct by Debt Collectors
- Debt collectors cannot contact you before 8 AM or after 9 PM.
- They can’t contact you at work if your employer prohibits it.
- They cannot use obscene, profane, or abusive language.
- They are banned from threatening violence or criminal actions.
- They must not harass you with repeated calls.
- They cannot falsely represent themselves as attorneys or government officials.
- They must not disclose your debt to third parties like friends, neighbors, or co-workers.
- They aren’t allowed to demand larger payments than what’s legally permitted.

Required Disclosures by Collectors
- Collectors must provide a written validation notice detailing the debt, the creditor's name, and your rights to dispute the debt.
- If you dispute the debt within 30 days, the collector must provide verification or documentation.
- They must state that the communication is an attempt to collect a debt.

Your Rights
- You can demand in writing that the collector stops contacting you.
- If you have an attorney, the collector must communicate only with your attorney.
- You can sue for FDCPA violations within a year and recover damages plus attorney fees.
- You can report violations to the FTC, CFPB, or your state attorney general.

Finally, remember to use these protections to prevent unfair practices by debt collectors like State Collection Service.

Yes, State Collection Service has faced several lawsuits and official complaints.

Lawsuits:
- Case Title: 2:18-cv-00262 – This class action lawsuit accuses them of violating the Fair Debt Collection Practices Act (FDCPA) by not clearly disclosing the debt amount. Debt collection letters showed inconsistent amounts owed, hinting at added interest without clear notification.
- Spuhler v. State Collection Service, Inc., No. 19-2630 – This case involves misleading dunning letters that failed to state accruing interest on debts. The Seventh Circuit vacated the summary judgment, emphasizing the need for plaintiffs to show concrete injury specific to the alleged FDCPA violation.

Official Complaints:
- Consumer Financial Protection Bureau (CFPB) – There have been 547 complaints in the past ten years about various issues such as improper debt collection practices.
- Better Business Bureau (BBB) – There are 72 complaints in the past three years, including attempts to collect already paid debts, suggesting possible violations of debt collection regulations.

In closing, these legal actions and complaints suggest that State Collection Service has exhibited problematic behavior in its debt collection practices. Knowing your rights under the FDCPA can help you deal with them more effectively.

People online have shared various comments about the number 346-509-6019, and here's what they say:

- u/techguy42: 'Got a call from 346-509-6019. They said I owed money, but it felt like a scam. I hung up.'
- u/daniel23: 'This number called me multiple times a day. Super annoying. Added it to my block list!'
- u/yogagirl90: '3465096019 kept calling me about a debt I don’t recognize. Be careful, seems like a scam.'
- u/healthcarepro: 'I received a call from (346) 509-6019 about a medical bill. It’s actually legit but always verify!'

People mostly view this number as suspicious, with many suspecting a scam. You should verify any such calls before sharing your personal information. If these calls persist, you might want to use apps like RealCall or your phone's built-in call-blocking features.

Overall, be cautious about interactions with 346-509-6019 and always confirm authenticity before proceeding to stay safe.

Yes, you should remove 3465096019 from your credit report if it is present and potentially inaccurate. Tackling this on your own can be a hassle, so consider a reputable credit repair company like The Credit Pros for efficient and effective results.

Here’s what you should do:
- Confirm the collection's presence and its potential inaccuracy.
- Avoid typical credit repair companies with poor track records.
- Consider professional help from a reputable credit repair company.

As a final point, confirm the collection's inaccuracy, avoid unreliable credit repair companies, and seek help from experts like The Credit Pros to efficiently manage and improve your credit report.

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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.

• 8037693961
• 3093295483
• 6052505885
• 8662678447
• 3465096019
• 5205244096
• 5137253190
• 5139649344