Home / Who is 4256432613 and why are they calling me?

Who is 4256432613 and why are they calling me?

  • Phone number 4256432613 is likely a debt collector called:' Merchants Credit Corporation'.
  • 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: 8009556600

If you're receiving calls from 425-643-2613, it’s likely from Merchants Credit Corporation, a debt collection agency. This could mean they bought an unpaid debt of yours and are now trying to collect it. Or, it might be a scam. Either way, ignoring or blocking the call won't solve the problem-it just stops the harassment temporarily.

If this is a debt collector, they can have a serious impact on your credit score if left unaddressed. They might even resort to legal action, especially if the debt is substantial. It’s crucial to confirm whether the debt is valid and ensure it's not a potential scam. So, the best move you can make is to get in touch with The Credit Pros. We'll have a straightforward, no-pressure chat to review your entire credit report and verify if this is indeed a legitimate debt.

We’ve helped countless people like you remove potentially inaccurate negative items from their credit reports, which can lead to a significant boost in their credit score and overall financial security. Plus, no more harassing calls! Don’t let this issue jeopardize your financial well-being; give us a call and take the first step towards resolving this situation effectively.

Who Is 4256432613: Scam Or Legitimate?

If you're getting calls from 425-643-2613, it’s likely from Merchants Credit Corporation, a debt collection agency. Here's how you can handle it:

1. Don’t Engange Directly: Avoid talking to the caller, calling back, or any form of contact.
2. Verify the Debt: You should ask for a debt validation letter, which includes the debt amount, the creditor's name, and your rights under the Fair Debt Collection Practices Act (FDCPA).
3. Check Your Credit Report: Make sure you verify there are no discrepancies or unfamiliar debts. You can get a free report from AnnualCreditReport.com.
4. Confirm with the Original Creditor: Contact them to check if they assigned the debt to a collection agency.
5. Report Scams: If you think this call might be a scam, report it to the Federal Trade Commission (FTC) and your state attorney general's office.
6. Get Professional Help: Call us for a free, thorough 3-bureau credit report analysis. We’ve helped many customers remove such negative items from their credit reports.

To sum up, if you receive calls from 425-643-2613, avoid immediate engagement, verify the debt, check your credit report, confirm with the original creditor, report possible scams, and consider professional help to tackle any credit issues. Stay informed and protect yourself from potential scams.

How Do I Stop 4256432613 From Harassing Me (How To Report Them)?

To stop 4256432613 from harassing you, you can take the following steps:

First, document everything. Keep a detailed log of all the calls, including dates, times, and what was said. This will be your evidence if needed.

Next, send a cease and desist letter. Write to the collector demanding that they stop contacting you. Use a template from eforms.com/cease-and-desist and keep a copy for your records.

Register on the Do Not Call Registry. Visit DoNotCall.gov to register your number and block the number on your phone.

Report to authorities:
- File a complaint with the FCC at fcc.gov/complaints. Select “unwanted calls” and provide the details like the number, date, and time of the call.
- Report the unwanted calls to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.
- Submit a complaint to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

Use call-blocking tools like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple. You can also contact your phone carrier for more call-blocking options.

To wrap things up, make sure you document all interactions, send a cease and desist letter, register on the Do Not Call Registry, report to the appropriate authorities, and use call-blocking tools to stop the harassment from 4256432613.

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

Should I Block Or Ignore 4256432613?

You should block the number 425-643-2613 if it’s causing you stress or if the calls feel harassing. Blocking a debt collector stops them from calling you repeatedly, although the debt remains.

If you ignore the calls, they may continue to disrupt your day. Blocking the number won’t harm your credit score directly. It’s a smart move if the calls feel invasive.

You should consider working with a reputable credit repair company to address any inaccuracies on your credit report. This can help you remove the negative item without paying the debt.

In the end, block 425-643-2613 to reduce stress and work with a credit repair company to handle the debt correctly.

Can A Debt Collector Like 4256432613 Sue Me?

Yes, a debt collector like 425-643-2613 can sue you, but it’s usually a last resort.

Debt collectors prefer to call and send letters first because legal action is expensive and time-consuming. They typically sue only if the debt amount is substantial, usually over $5,000. They also need to prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be tough, especially for older debts. Additionally, each state has a statute of limitations that might protect you if the debt is old.

If a lawsuit is initiated, you will receive a court summons. Make sure you respond to avoid a default judgment, which can lead to wage garnishment or bank account levies, though this is rare.

You have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive threats of a lawsuit, consider consulting with an attorney to understand your options and defenses.

As a final point - if a debt collector like 425-643-2613 threatens to sue, remember they often avoid it due to cost and effort. The statute of limitations might protect you from old debts. Always respond to court summons, and know your FDCPA 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

Call (888) 488-5855

4256432613 Might Have Your Personal Information

If you think 425-643-2613 might have your personal information, you need to act quickly to protect yourself. Here’s what we advise you to do:

1. Hang up immediately. Do not engage with the caller.
2. Don't share any personal info. Never give out your Social Security number, account numbers, or passwords over the phone.
3. Place a fraud alert. Contact one of the major credit bureaus (Equifax, Experian, or TransUnion) to place a fraud alert on your credit report. This will make it harder for identity thieves to open accounts in your name.
4. Consider a credit freeze. A credit freeze restricts access to your credit report, making it difficult for identity thieves to open new accounts in your name. You can lift the freeze temporarily when needed.
5. Sign up for identity theft protection. Some companies offer free credit monitoring and identity theft protection services after a breach. Take advantage of these services to get alerts about any suspicious activity on your accounts.

Bringing it all together-protect yourself by hanging up, not sharing personal info, placing a fraud alert, considering a credit freeze, and signing up for identity theft protection. Stay vigilant and take these steps to safeguard your personal information.

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

Types Of Debt Collected By 4256432613

425-643-2613, associated with Merchants Credit Corporation, is a phone number used by a debt collection agency. Here are the types of debt they typically collect:

- Personal loans: If you've missed payments on a personal loan, this debt may be sent to collections.
- Credit card debt: Unpaid credit card balances often get transferred to collection agencies after several missed payments.
- Medical debt: Overdue medical bills can be sent to debt collectors if not paid on time.
- Utility bills: Unpaid electricity, water, or other utility bills can also end up in collections.

Merchants Credit Corporation collects these debts on behalf of various creditors, though specific brands aren't mentioned.

All things considered, it's crucial that you address any outstanding debts promptly to avoid further credit damage.

How Do I Check If I Owe Money To 4256432613?

To check if you owe money to 425-643-2613, follow these steps:

1. Check Your Credit Reports: Look at your credit reports from Equifax, Experian, and TransUnion. This will help you see if Merchants Credit Corporation has reported a debt in your name.
2. Review Your Records: Go through any final bills, account statements, or equipment return receipts you might have. This can help you match any owed amounts.
3. Debt Validation: If a debt appears on your credit report, ask Merchants Credit Corporation for a debt validation letter. They must prove the debt is yours.
4. Dispute Inaccuracies: If you find any errors on your credit report, you can dispute them directly with the credit bureaus. This can be time-consuming but is worth it to ensure accuracy.
5. Consult a Professional: Consider talking to a consumer protection lawyer if you experience harassment over disputed debts or need more help.

Lastly, remember to document everything and avoid initiating direct contact until you are fully prepared.

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

Which Debt Collection Laws And Regulations Protect Me From 4256432613

If you're dealing with calls from 4256432613, it's essential to know your rights. The Fair Debt Collection Practices Act (FDCPA) is the primary federal law protecting you against abusive, deceptive, or unfair debt collection practices. Here’s what you need to know:

Debt collectors cannot contact you before 8 AM or after 9 PM. They also cannot call you at work if you’ve informed them your employer does not allow such calls. They cannot use obscene language, threaten you, or call you repeatedly to harass you. Collectors must send a written notice detailing the amount owed, the creditor's name, and your right to dispute the debt within 30 days. You can demand in writing that a debt collector stops contacting you, except to inform you of specific actions they might take.

In addition to the FDCPA, many states have their own laws that provide additional protections. You have the right to report violations to the Consumer Financial Protection Bureau (CFPB) or your state attorney general.

Finally, knowing and exercising these rights can help you manage and handle debt collection more effectively.

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 4256432613/Merchants Credit Corporation Have Any Lawsuits Against Them?

Yes, Merchants Credit Corporation has faced lawsuits. Here are a few examples:

•Malcolm et al v. Merchants Credit Corporation (Case No. 2:2018cv00832): This case involved allegations of harassment, oppression, and abuse in their debt collection practices.
•Thomas v. Merchants Credit Association (Case No. 2:2019cv01173): This lawsuit included claims of false and misleading methods in debt collection.

You should also be aware of numerous consumer complaints against Merchants Credit Corporation. These complaints often involve issues like misrepresentation, improper information sharing, and attempts to collect on invalid debts. The Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB) have recorded several complaints related to their billing and collection practices.

If you are dealing with Merchants Credit Corporation, it's crucial that you know your rights and consider seeking legal advice if you believe they have violated debt collection laws.

In closing, if you find yourself facing issues with Merchants Credit Corporation, it's essential to stay informed about your rights and possibly seek legal advice to protect yourself.

What Do People Online Say About 4256432613?

People online have strong feelings about 425-643-2613, mostly negative. Here are some specific comments:

•Reddit user tinyearthling shared, "Message left on my phone, 'This is a message from a debt collector. Please call us back at 425-643-2613 to discuss this.' Trouble is, I don't have, haven't had, don't intend to have ANY debt. This is a scam trying to get your credit card number-Don't fall for this nonsense." (source: Document 4)
•From user thosecreds on Reddit, "They called me out of the blue saying I owed almost $1500 from an ambulance ride over 2 years ago. Requested a Debt Validation Letter, never received it. They sent a 'Verification of Balance' letter instead, which isn't the same." (source: Document 11)
•User creditnightmare commented, "I let it go to voicemail and it was from Portfolio Recovery Associates... definitely a spam number, didn't call back." (source: Document 9)

If you receive a call from 425-643-2613, we advise you to be cautious. Follow these steps:

•Request a detailed debt validation letter.
•Do not share any personal information until you verify the caller's legitimacy.
•Consider blocking the number if the call seems suspicious.

Overall, people online often believe 425-643-2613 is linked to scam calls and fraudulent debt collection attempts. You should always verify any claims and handle your information securely.

Do I Really Need To Remove 4256432613 From My Credit Report?

Yes, you really need to remove 4256432613 from your credit report, especially if it’s potentially inaccurate or linked to Merchants Credit Corporation. Here's how you can tackle it:

- Verify Accuracy: Ensure the collection account is genuinely on your report and double-check all details for any inaccuracies.
- Avoid Pitfalls: Stay away from most credit repair companies; many are ineffective and deceptive.
- Manage the Hassle: Disputing on your own can be time-consuming and stressful.
- Seek Professional Help: Contact a reputable credit repair service like The Credit Pros to simplify and expedite the process.

Addressing this proactively is key to improving and protecting your credit score.

As a final point, it’s essential that you check the accuracy, avoid common pitfalls, and consider professional help to handle the dispute efficiently.

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

Here are other formats 4256432613 can be written

- +1 425-643-2613
- +1 (425) 643-2613
- +1 425 643 2613
- (425) 643-2613
- 425-643-2613
- 425.643.2613
- 425 643 2613
- +14256432613
- (425) 643-2613
- 425.643.2613
- 4256432613

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 Merchants Credit Corporation 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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