Who Is 4408394659 (+ How Are They Hurting My Credit Score)

The number 4408394659 is associated with debt collection and is linked to Receivables Management Partners, LLC (RMP). However, whether it's a legitimate call or a scam is not entirely clear.

Here’s what you should do:

- Don't engage with the caller. It's best that you avoid direct interaction.
- Check your credit report. Pull your credit report from all three bureaus and look for any negative or inaccurate items.
- Verify the debt. If this number appears as a collection item, it might be legitimate. However, you shouldn't pay immediately.
- Contact The Credit Pros. We can help you dispute any inaccurate items and verify if the debt is genuine.

You are not obligated to pay anything without verification. We can assist you in evaluating your credit report for free.

Block the number and let us help you sort it out.

To sum up – do not engage with the caller, review your credit report, verify any debt, and contact The Credit Pros for help. Block the number and take control of your financial situation.

You can stop 4408394659 from harassing you by following these steps:

First, document every unwanted interaction. Keep a detailed log of each call, noting the dates, times, and any abusive language used. Register your number at DoNotCall.gov to prevent telemarketing calls. Then, block the number through your phone’s call-blocking feature or contact your service provider for help.

Next, escalate measures if necessary:
• If the harassment continues or involves threats, consider obtaining a restraining order.
• Hire a harassment lawyer as harassment is illegal under federal and state laws.
• Send a cease and desist letter. Find a template at eforms.com/cease-and-desist.

Use call-blocking apps to enhance your efforts:
• For Android, try 'Call Blocker - Stop spam calls.'
• For Apple, use 'Robokiller: Spam Call Blocker.'

File complaints with authorities:
• Report illegal robocalls or number spoofing to the Federal Communications Commission (FCC) at fcc.gov/complaints.
• Report telemarketing calls or Do Not Call Registry violations to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or DoNotCall.gov.
• Document all interactions and submit a complaint to the Consumer Financial Protection Bureau (CFPB) online at consumerfinance.gov/complaint, by phone at (855) 411-2372, or by mail to CFPB, 1700 G Street, NW, Washington, DC 20552.

Report unwanted robocalls through Nomorobo if you use their service. Contact your phone carrier to learn about call-blocking tools they offer. Additionally, check for extra resources or complaint mechanisms through local or state consumer protection offices.

To wrap things up – you can stop 4408394659 from harassing you by documenting interactions, blocking the number, escalating measures, using call-blocking apps, and filing complaints with relevant authorities.

You should block 440-839-4659. Ignoring is also an option, but blocking takes care of potential repeat calls and won’t negatively affect your credit score.

If the call is from a debt collector and you feel harassed, blocking them is a smart move. You should also work with a reputable credit repair company to address any inaccurate negative items on your credit report. Blocking and ignoring these calls will not further decrease your credit score if it’s already impacted by the collection.

• Block the number to avoid distractions and stress.
• Seek assistance from a reliable credit repair service to correct any inaccuracies on your credit report.
• Blocking helps maintain your peace and prevents further stress, while a credit repair company aids in managing and improving your financial standing effectively.

In the end, blocking 440-839-4659 can give you peace of mind, and addressing credit report inaccuracies can improve your financial health.

Yes, a debt collector like 4408394659 can sue you, but it's very unlikely. Suing is usually a last resort for debt collectors, often when the amount owed is substantial, typically over $5,000. They need to prove you owe the debt, the amount is correct, and they are legally allowed to sue. Suing is costly and time-consuming, so many collectors prefer to settle out of court.

Debt collectors cannot sue you for debts that are beyond the statute of limitations, which varies by state. They usually attempt to collect the debt through calls and letters first. If they decide to sue, you’ll receive a court summons which you must respond to in order to avoid a default judgment that could lead to wage garnishment or bank account levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive practices. If you receive a lawsuit, consider consulting an attorney to understand your options and defenses.

- Debt collectors prefer to avoid court due to costs.
- They must prove the debt is yours and valid.
- Suing is unlikely for small amounts or old debts.

If you believe the debt isn't yours, you can dispute it in writing and request more information. Never give out personal financial information unless you're sure it's a legitimate debt collector. Avoid interaction if the call comes at odd hours or seems suspicious.

As a final point, remember to protect yourself by understanding your rights, responding to court summons, and consulting with an attorney if needed.

If 4408394659 is contacting you, it might have your personal information. Here's what you need to do:

1. Don't Provide Information: You should not give any personal details to debt collectors like this one.
2. Don't Pick Up: Avoid answering calls from this number because engaging with them can make things more complicated.
3. Check Your Credit: Obtain your 3-bureau credit report and start planning to improve your credit.
4. Consider Credit Repair: Working with a reputable credit repair company can help you manage inaccuracies or disputes on your report effectively. They have the experience and tools to guide you through the process, ensuring that your credit is handled properly and efficiently.

Bringing it all together - if 4408394659 might have your personal information, block the number, check your credit report, and consider credit repair to protect yourself and improve your financial status.

Receivables Management Partners, LLC (RMP) collects various types of debt. You will find that they typically handle debts related to credit cards, personal loans, auto loans, and medical bills. They operate by purchasing debt from creditors and then attempting to recover the owed amounts from you.

• Credit card debt
• Personal loans
• Auto loans
• Medical bills

If you have any outstanding debt in these categories, you might receive a call from them.

All things considered, if you owe money in these areas, RMP could contact you about collecting the debt.

To check if you owe money to 4408394659, you should start by reviewing your records. Look through your past bills, account statements, and any receipts related to equipment returns to identify any unpaid debts.

Next, check your credit report. You can get a free copy from sites like AnnualCreditReport.com. Look for entries related to 4408394659 or its associated company. If you find a debt you're unsure about, request debt validation from the collection agency. This step confirms they have the right to collect and that the amount is correct.

However, avoid direct contact with debt collectors, as this could restart the statute of limitations on old debts. Instead, consider consulting a consumer protection lawyer if you face harassment or are uncertain about the debt.

Lastly, by proactively gathering your documentation and checking your credit report, you can prevent collection efforts from impacting your credit and address any discrepancies confidently.

Debt collection laws and regulations protect you from abusive practices. The primary law you should know is the Fair Debt Collection Practices Act (FDCPA). It prohibits third-party debt collectors from using abusive, deceptive, or unfair practices when collecting various types of debts like credit cards, auto loans, medical bills, and mortgages. However, it doesn't cover business debts.

The FDCPA forbids several actions:
• Contacting you before 8 AM or after 9 PM.
• Calling you at work if your employer disapproves.
• Using obscene or abusive language.
• Threatening violence or criminal actions.
• Harassing you with repeated calls.
• Falsely representing themselves as lawyers or government officers.
• Sharing your debt details with third parties.
• Demanding more money than legally allowed.

Debt collectors must give you a written validation notice that includes the debt amount, the creditor's name, and your right to dispute the debt. If you dispute the debt within 30 days, they must verify it before continuing collection efforts and inform you it’s a debt collection attempt.

You have the right to demand a debt collector stops contacting you (in writing) and sue for FDCPA violations within one year, potentially recovering damages and legal fees. Report violations to the FTC, CFPB, or your state attorney general.

Additionally, many states have extra laws to protect you, including licensing requirements for collectors. For example, New York has strict regulations on this.

If you believe you're being contacted by a scammer, ask for company details and verify the debt. Scammers often use intimidation and fake threats. Real collectors usually have your basic information and accept traceable payments. Stay vigilant and report suspicious activity to authorities.

Finally, to safeguard yourself from debt collection abuses, be aware of your rights, demand written notices, and report any violations promptly.

Yes, Receivables Management Partners, LLC (RMP) has faced several lawsuits and complaints. Here's what you need to know:

RMP has been sued for violating the Fair Debt Collections Practices Act (FDCPA), which protects you from abusive debt collection practices.

The Better Business Bureau (BBB) has received 140 complaints against RMP within the past three years. The Consumer Financial Protection Bureau (CFPB) has logged 1,200 complaints in the last decade. These complaints often include harassment for already paid debts, failure to remove debts from credit reports, and frequent calls.

Common issues include attempts to overcharge on debts, inaccuracies on credit reports, and excessive phone calls even for settled debts.

You have rights under the FDCPA, and you should ensure RMP follows these regulations. If they don’t, you can take action to protect yourself.

In closing, if you experience issues with RMP, know that you’re not alone. Be aware of your rights, watch for overcharging and inaccuracies, and don’t hesitate to take action if you need to.

Here are some quotes from people online about 440-839-4659. User comments can give you a good idea about their experiences and thoughts on this number:

1. collecturdz (February 2, 2023) said, 'They use an auto-dialing, never a person for at least 30 seconds.'
2. An anonymous user (September 8, 2021) mentioned, 'She didn't give her name but wanted me to verify my date of birth on a recorded line. I refused and she said they would send a letter about the matter. She called from 440-839-4659. Since I have no outstanding debts or collections, this is probably a scam.'
3. Asia Smith (August 27, 2021) reported, 'Called about an important business matter. Never identified themselves as debt collectors but that’s the flow of the speech they used. Seems sketchy and number is 440-839-4659.'
4. Another user (January 6, 2022) just labeled it as 'Spam.'
5. Someone else (April 29, 2022) noted, 'No message left.'

From these quotes, you can see a pattern of automated calls and requests for personal information, which raises red flags about potential scams. The lack of identification and vague explanations make it seem sketchy to many users. The absence of voicemails adds to the doubts.

If you're getting calls from 440-839-4659, you should not share personal information and consider blocking the number.

Overall, the experiences shared by users suggest that 440-839-4659 might be using auto-dialing and attempting to collect personal information without clear identification, making it wise for you to avoid engaging with such calls and consider blocking the number.

Yes, you should consider removing 4408394659 from your credit report if you verify it and find it inaccurate. Addressing this can boost your credit score and help you reach your financial goals. Here's how you can do it:

First, check your credit report. Verify if 4408394659 is listed and identify any inaccuracies. You can get a free report from annualcreditreport.com.

Additionally, avoid hiring typical credit repair companies. Many have poor ratings and deceptive practices. They often don't maximize your chances of removing inaccuracies.

You should dispute the error yourself, though it can be time-consuming and exhausting. Alternatively, consider seeking reputable help from a company like The Credit Pros, which excels in handling credit disputes.

As a final point – verify the listing, avoid poor repair companies, dispute inaccuracies, and seek reputable help to efficiently resolve your credit report issues.

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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.

• 8447115509
• 4408394659