Home / Who is 4123322464 and why are they calling me?

Who is 4123322464 and why are they calling me?

  • Phone number 4123322464 is likely a debt collector called:' State Collection Service, Inc.'.
  • 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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If you received a call from 4123322464, it's likely from State Collection Service, Inc., a debt collector. They might be trying to collect a legitimate debt, but don't share personal information over the phone. Harassing calls from this number can stress you out, but don't worry—there are clear steps to tackle this issue.

First, block the number to stop future calls. This action won't affect your credit score and will help you relax. Next, get your free 3-bureau credit report to check any debts they say you owe. If you find errors, call The Credit Pros using the number above. We can review your reports, dispute mistakes, and give you advice tailored to your situation.

Debt collectors must follow strict laws, including the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive practices. If State Collection Service, Inc. violates your rights, report them to the FCC, FTC, and CFPB. Document every interaction and consider legal actions if the harassment continues. Contact The Credit Pros for professional help and regain control over your credit and peace of mind.

Who Is 4123322464: Scam Or Legitimate

The number 4123322464 likely belongs to State Collection Service, Inc., a debt collector. While it may be legitimate, you should exercise caution. We advise you not to engage directly with them. Remember, you're not obligated to pay without proper verification. Here's what we recommend you do:

• Block the number to reduce your stress
• Pull your free credit report to review
• Check for any inaccurate negative items on your report
• Let us help you verify any debts and dispute errors

We understand this situation is stressful for you. The Credit Pros have helped thousands of people just like you. Whether this is a legitimate debt or not, your next steps remain the same. We can analyze your credit report, challenge any questionable items, and work to improve your financial outlook.

You should give us a call for a free evaluation of your three-bureau report. We'll work with you to boost your credit score and handle any collection issues you're facing.

To finish up, remember that you're not alone in this. By taking these steps - blocking the number, reviewing your credit report, and reaching out for professional help - you're already on the right path to resolving this issue and improving your financial health.

How Do I Stop 4123322464 From Harassing Me (How To Report Them)

To stop 4123322464 from harassing you and report them, you should follow these steps:

First, you need to document every interaction. Keep a detailed log of each call, noting the date, time, and what was said. This will help you if you need to take legal action later.

Next, register your number at DoNotCall.gov. It only takes a few minutes and can help reduce unwanted calls.

You should block the number using your phone's call-blocking feature or get help from your service provider. Additionally, you can use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

If the harassment continues, we recommend you consider escalating measures. You might need to get a restraining order or hire a harassment lawyer. You can also send a cease and desist letter using the template at eforms.com/cease-and-desist/.

It's crucial that you report this harassment to the authorities. Here's how you can do that:

• File a complaint with the FCC at fcc.gov/complaints for illegal robocalls or spoofing. Select 'unwanted calls' and provide detailed information.
• Report telemarketing violations or general unwanted calls to the FTC at ReportFraud.ftc.gov and DoNotCall.gov/report.html.
• Submit a complaint to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

You should also contact your phone carrier to explore more call-blocking options. They might have additional tools to help you.

To finish up, remember that you have the power to stop this harassment. By documenting calls, blocking the number, and reporting to authorities, you're taking strong steps to protect yourself. If you need more help, don't hesitate to reach out to The Credit Pros. We're here to assist you with verifying debts and improving your financial situation.

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

Should I Block Or Ignore 4123322464

You should block 4123322464 to stop unwanted calls and messages from State Collection Service, Inc. Here's why:

Blocking the number doesn't harm your credit score - that damage is already done if there's a collection. You're not obligated to communicate with debt collectors. By blocking, you give yourself peace of mind and control over the situation.

We advise you to:

• Block the number immediately
• Don't engage with them directly
• Work with a reputable credit repair company (like us) to handle any disputes

If you ignore them, you might receive continuous calls that disrupt your day. However, it's crucial that you address any inaccuracies on your credit report. We can help you remove inaccurate negative items, improving your credit situation.

Remember, ignoring won't make the issue disappear. You need to take action now to protect yourself and address any legitimate debts properly. To finish up, you should block the number right away, avoid direct contact, and let us help you navigate this tricky situation - we're here to support you every step of the way.

Can A Debt Collector Like 4123322464 Sue Me

Yes, a debt collector like 4123322464 can sue you, but it's unlikely. Here's what you need to know:

Debt collectors usually sue as a last resort, typically for debts over $5,000. They must prove you owe the debt, the amount is correct, and they have the right to sue. Suing is expensive and time-consuming, so many collectors prefer to settle out of court.

You should be aware that each state has a statute of limitations for debt collection lawsuits. If your debt is old, it might be past this period, making a lawsuit less likely. Before suing, collectors typically try other methods like calls and letters to collect the debt.

If you're sued, you'll receive a court summons and complaint. It's crucial that you respond within the specified deadline to avoid a default judgment. This judgment could lead to wage garnishment or bank account levies, but again, this is very unlikely.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). This law protects you from abusive or deceptive practices by debt collectors. If you receive a lawsuit, we strongly advise you to consult with an attorney to understand your options.

To finish up, here's what you should do: Stay calm, know your rights, respond to any legal documents promptly, and don't hesitate to seek legal advice if you're unsure. We're here to help you navigate this challenging 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

4123322464 Might Have Your Personal Information

If you've received a call from 412-332-2464, you should know it's from State Collection Service, Inc., a debt collector. We strongly advise you not to provide any personal information. It's best if you don't pick up the call at all, as engaging with them can lead to unnecessary stress and confusion.

Instead, we recommend that you focus on obtaining your 3-bureau credit report. This will help you see your complete credit situation. From there, you can start building a comprehensive plan to improve your credit. We believe working with a reputable credit repair company is likely your best option. They can help you handle any inaccuracies or disputes on your credit report and guide you through the process step by step.

Here's what we advise you to do:

• Get your 3-bureau credit report
• Review it carefully for any errors
• Contact a reputable credit repair company for assistance
• Let them guide you through the dispute process

Remember, your top priority is to protect your personal information and work towards improving your credit. You should block these calls to avoid further stress. To finish up, we want to reassure you that you're not alone in this. By taking these steps, you're actively working towards a better financial future. Stay positive and focused on your goals!

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

Types Of Debt Collected By 4123322464

When you receive calls from 4123322464, they're typically collecting personal, family, or household debts. This agency often buys delinquent debt from various creditors and attempts to collect it. You might face collection efforts for credit card balances, personal loans, or other consumer debts.

If you're dealing with calls from this number, here's what you need to know:

• You have rights under federal and state debt collection laws.
• It's crucial that you verify any debt they claim you owe before making payments.
• You can request written validation of the debt within 30 days of their first contact.

Remember, debt collectors must follow specific rules when contacting you. They can't harass you or use unfair practices. If you believe they've violated your rights, you can file a complaint with the Consumer Financial Protection Bureau.

We understand dealing with debt collectors can be stressful. Here are some steps you can take:

1. Ask for debt validation in writing.
2. Review your credit report for accuracy.
3. Consider negotiating a settlement if the debt is valid.

To finish up, you should always protect your rights and handle debt collection calls carefully. By staying informed and taking proactive steps, you can navigate this situation more confidently and work towards resolving any legitimate debts.

How Do I Check If I Owe Money To 4123322464

To check if you owe money to 412-332-2464, you should start by reviewing your personal records. Look through your bills, statements, and receipts for any unpaid balances linked to this number.

Next, you should obtain your credit report from Equifax, Experian, and TransUnion. Scan these reports for any entries associated with State Collection Service, Inc.

If you find a debt listed from State Collection Service, Inc., we advise you to request a debt validation. This is your right under the Fair Debt Collection Practices Act. They must prove the debt is yours and the amount is correct.

You should gather all relevant documentation. Keep detailed records of any calls, emails, or letters you've received, including dates and content of communications.

We strongly recommend that you avoid directly contacting the number. Doing so could restart the statute of limitations on old debts.

If you're being harassed over disputed debts, you might want to consult a consumer protection lawyer. They can provide legal advice and help protect your rights.

• You should review your personal financial records thoroughly.
• You need to obtain and carefully examine your credit reports.
• You must request debt validation if you find a listed debt.

To finish up, remember that you're in control of this situation. By taking these proactive steps, you can effectively manage any potential debts and protect your financial well-being.

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

Which Debt Collection Laws And Regulations Protect Me From 4123322464

The Fair Debt Collection Practices Act (FDCPA) is the main federal law that protects you from abusive debt collection practices, including calls from 412-332-2464. This law prohibits third-party debt collectors like State Collection Service Inc. from using abusive, deceptive, or unfair practices against you.

Under the FDCPA, you have several rights that protect you from harassment:

• Debt collectors can't contact you before 8 AM or after 9 PM.
• They can't call you at work if your employer doesn't allow such calls.
• They're forbidden from using obscene or abusive language.
• They can't threaten you with violence or criminal action.

You should know that debt collectors must provide you with a written validation notice about your debt. This notice should include the amount you owe and your rights to dispute it. If you dispute the debt within 30 days, the collector must verify it before they can continue their collection efforts.

We advise you to demand in writing that the debt collector stops contacting you if you feel harassed. Remember, if you have an attorney, the collector must communicate with them instead of you.

If you believe State Collection Service Inc. is violating these rules when calling from 412-332-2464, you have the right to take action. You can sue them within one year to recover damages and report them to the FTC, CFPB, or your state attorney general.

It's important to note that many states have their own laws that provide extra protections beyond the FDCPA. For example, in New York, debt collectors must be licensed.

To finish up, if you're feeling overwhelmed by calls from 412-332-2464, remember that you have rights. Document everything, know that the law is on your side, and don't hesitate to seek help if you need it. You've got this!

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 4123322464/State Collection Service, Inc. Have Any Lawsuits Against Them

State Collection Service, Inc. doesn't currently have any reported lawsuits against them. However, you should be aware of past official complaints about their debt collection practices.

You might be interested in two notable cases:

1. Bernard v. State Collection Service, Inc. (July 12, 2010): The United States District Court assessed allegations of improper debt collection practices.

2. Spuhler v. State Collection Service, Inc.: Plaintiffs claimed that omitting interest accrual information in dunning letters was misleading. The Seventh Circuit vacated the summary judgment for plaintiffs, citing a lack of concrete injury.

If you've experienced issues with State Collection Service, Inc., we advise you to take action. You should document all calls and communications. It's crucial that you reach out to relevant authorities or legal professionals for guidance.

To wrap things up, while there aren't current lawsuits, you should stay informed about past complaints. Remember, you have rights as a consumer, and we're here to help you navigate any debt collection concerns you might have.

What Do People Online Say About 4123322464

Here's what you should know about the phone number 4123322464:

You've likely received unwanted calls from this number. Many Reddit users report it's associated with a debt collection agency. When you answer, you might hear silence or be asked for personal information.

We understand these calls can be frustrating. Here's what we advise you to do:

• Don't give out any personal details over the phone.
• Block the number to stop future calls.
• If they claim you owe a debt, ask for written verification.

You should be aware that some users report this number as not a scam. However, it's best to be cautious. If you're concerned about potential debts, check your credit report for any issues.

To finish up, remember you have the power to control these calls. Block the number, demand written proof of any debts, and don't hesitate to seek help from a credit repair company if needed. You've got this!

Do I Really Need To Remove 4123322464 From My Credit Report

You should remove 4123322464 from your credit report if it's potentially inaccurate. Don't waste your time trying to dispute it yourself - it's a tedious and time-consuming process. We recommend that you reach out to a reputable credit repair company like The Credit Pros. We can help you efficiently tackle this issue.

You need to be cautious because most credit repair companies are scams. However, a good one can make a huge difference in your situation. They'll save you hours of effort and maximize your chances of removing negative items from your report.

Here's what we advise you to do:

• Confirm that the collection is actually on your report
• Check if it seems potentially inaccurate
• Avoid falling for typical credit repair scams
• Let professionals handle the complex dispute process for you
• Focus your energy on improving other aspects of your credit

Remember, you're not obligated to keep inaccurate information on your credit report. We're here to help you clean up your credit and boost your score. With the right approach, you can resolve this issue and move forward financially.

To finish up, you should take action if you suspect 4123322464 is inaccurately reported. We're here to guide you through the process and help you improve your credit situation.

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

Here are other formats 4123322464 can be written

- +1 412-332-2464
- +1 (412) 332-2464
- +1 412 332 2464
- (412) 332-2464
- 412-332-2464
- 412.332.2464
- 412 332 2464
- +14123322464
- (412) 332-2464
- 412.332.2464
- 4123322464

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 State Collection Service, Inc. 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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