Who is 7168824515 (+ how are they hurting my credit score)

The phone number 7168824515 can be associated with a debt collection agency but might also be a scam. You should not engage with the caller directly, whether they are legitimate or not. Never pay any debt immediately if you have doubts or aren't sure about the details.

Here's what we advise you to do:
• Pull your credit report and analyze it for any potentially inaccurate negative items.
• If you see this number as a collection or negative item on your report, it might be a legitimate call, but you still shouldn't respond directly.
• Contact us at The Credit Pros for a free 3-bureau credit report evaluation. We can help verify any debt, dispute inaccuracies, and improve your financial situation.

We understand this can be stressful. The Credit Pros have helped many people facing similar spam calls.

To sum up - pull your credit report, avoid direct engagement, and contact The Credit Pros for assistance with any debt or inaccuracies.

To stop 7168824515 from harassing you and report them, follow these steps:

First, document every call. Keep a detailed log noting the dates, times, and any abusive language used. Next, register your number at DoNotCall.gov to help prevent future unwanted calls. You should also block the number using your phone’s call-blocking feature or ask your service provider for help.

Consider legal measures if the harassment continues. You might need to obtain a restraining order, send a cease-and-desist letter found at eforms.com/cease-and-desist, or hire a harassment lawyer. Legal advice can ensure any harassment by debt collectors is addressed properly.

Use call-blocking apps to further protect yourself. For Android, try 'Call Blocker - Stop spam calls'. For Apple, use 'Robokiller: Spam Call Blocker'. These can help filter out unwanted calls effectively.

File a complaint with the FCC if you suspect illegal robocalls or number spoofing. Visit fcc.gov/complaints, select the phone form, and provide details like the number, date, and time of the call. Report telemarketing violations or disregard of the Do Not Call Registry at ReportFraud.ftc.gov. For other unwanted calls, use DoNotCall.gov.

Submit a complaint with the CFPB. You can do this online at consumerfinance.gov/complaint, call (855) 411-2372, or mail a letter to the CFPB at 1700 G Street, NW, Washington, DC 20552. Include all details of the harassment and any relevant documents.

Lastly, check with your phone carrier about additional call-blocking tools they may offer. They often have solutions personalized to your service plan.

To wrap things up – by documenting every call, using the Do Not Call Registry, considering legal measures, leveraging call-blocking apps, filing complaints with the FCC and CFPB, and checking with your phone carrier, you can effectively stop harassment from 7168824515 and report them to the relevant authorities.

You should block 716-882-4515. Blocking the number will reduce stress from unwanted calls. If the caller is a debt collector, such as Sequium Asset Solutions, blocking them will prevent potential harassment.

Instead of engaging directly, you should work with a reputable credit repair company to handle any inaccuracies or disputes on your credit report. This proactive approach will ensure you manage your credit efficiently while minimizing unwanted contact. Blocking the number won't harm your credit score.

• Blocking reduces stress from unwanted calls.
• It won't harm your credit score.
• Work with a reputable credit repair company for disputes.

In the end, blocking 716-882-4515 helps reduce stress and working with a credit repair company ensures you handle disputes effectively.

Yes, a debt collector like 716-882-4515 can sue you, but it's unlikely. Debt collectors usually sue as a last resort, mainly for debts over $5,000. They need to prove you owe the debt, the amount is correct, and they have the legal right to sue, which is tough if the debt has changed hands multiple times.

Suing is expensive and time-consuming, so collectors prefer settling out of court. Plus, each state has a statute of limitations, defining how long a collector can sue you. If your debt is old, it might be past this period, reducing the chances of a lawsuit.

Debt collectors often start with calls and letters to collect debts. If they choose to sue, you will receive a court summons that you must respond 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 by debt collectors. Being aware of your rights can help you navigate any potential lawsuit.

As a final point - understand that while it's possible for a debt collector like 716-882-4515 to sue, it's quite unlikely. Know your rights, respond to any court summons, and consult with an attorney if you face legal action.

If 7168824515 contacted you, it might have been Sequium Asset Solutions, LLC, which probably has some of your personal information. Don’t provide any details to them. Ideally, don’t even pick up their calls because engaging with them can lead to more harassment and potential scams.

Instead, focus on your credit health by obtaining your 3-bureau credit report to identify any inaccuracies or issues. Building a comprehensive plan to improve your credit is crucial. Working with a reputable credit repair company can help you handle disputes and inaccuracies more effectively since they have the expertise to guide you through the process.

• Block the number to avoid stress.
• Don’t engage or provide any info.
• Focus on improving your credit with professional help.

Bringing it all together-if 7168824515 might have your personal information, it’s best to block the number, refrain from engaging, and focus on improving your credit with expert guidance.

The types of debt collected by 716-882-4515 include credit card accounts, medical bills, various types of loans, and unpaid utility bills. These collectors often handle debts that are past due for 3-6 months. Debts might be sold to these collectors when no payment has been made for 90-180 days. They might also buy delinquent debts from original creditors, often for pennies on the dollar. These debts are usually owed for personal, family, or household purposes.

All things considered, if you owe credit card debt, medical bills, loans, or utility bills, 716-882-4515 might be the one collecting from you.

You can check if you owe money to 716-882-4515 by following these steps:

First, get a free credit report from Equifax, Experian, and TransUnion at annualcreditreport.com or call 877-322-8228. Look for any collections listed, including contact information for the agencies handling them. This will help you identify any debts that may be linked to the number in question.

Next, go through your past bills, account statements, and any equipment return receipts. This helps you spot any missed payments or outstanding debts. It's essential to verify your records to avoid unnecessary payments.

If contacted by a collection agency, request a debt validation letter. Ensure the debt is legitimate by comparing it with your credit report and personal records. This prevents you from falling victim to scams.

If you face harassment or dispute the debt, consult with a consumer protection lawyer for advice on how to proceed. They can help you handle the situation legally and effectively.

Lastly, to sum up, check your credit report, review your records, request debt validation, and seek legal advice if needed. These steps ensure you handle any potential debt to 716-882-4515 correctly and prevent unnecessary stress.

If you’re dealing with debt collectors like those calling from 716-882-4515, you’re protected by several laws and regulations.

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot use abusive, deceptive, or unfair practices. They are not allowed to contact you before 8 AM or after 9 PM and must avoid contacting you at work if your employer prohibits it. They can't threaten, harass, or use obscene language and cannot misrepresent themselves or disclose your debt to third parties. You should receive a written validation notice about the debt, including the amount owed and the creditor's name.

Many states have additional protections. For instance, New York requires strict licensing for debt collectors and often extends FDCPA rules. You can request in writing that a debt collector stop contacting you. If you have an attorney, the collector must communicate only with your attorney. You can sue for FDCPA violations within one year and potentially recover damages.

If you face any violations, report them to the FTC, CFPB, or your state attorney general.

Finally, remember, laws like the FDCPA and state regulations protect you, ensuring fair treatment and providing clear actions like requesting validation notices and stopping unwanted contact.

Sequium Asset Solutions, LLC has faced several lawsuits for violating the Fair Debt Collections Practices Act (FDCPA).

One notable case is JACQUELYN A. VANDEHEY v. SEQUIUM ASSET SOLUTIONS, LLC (Case No. 18-C-1086), filed in the United States District Court Eastern District of Wisconsin. This lawsuit alleges that Sequium sent a misleading debt collection letter that did not state the amount of debt or the creditor's name, violating §§ 1692g and 1692e of the FDCPA. Another proposed class action by a Wisconsin consumer claims that Sequium sent a 'misleading and confusing' debt collection letter, which violated the FDCPA by failing to provide clear debt information.

In addition to lawsuits, consumers have reported various complaints against Sequium Asset Solutions:
• Harassment from frequent calls and texts.
• Misleading letters that confuse debt information.
• Unfair practices, such as threatening legal actions or using aggressive collection tactics.

If you have experienced similar issues with Sequium, you can file a complaint or seek legal advice to potentially sue them. It's crucial that you understand your rights under the FDCPA.

In closing, Sequium Asset Solutions, LLC has faced several lawsuits and numerous complaints for unfair debt collection practices. Knowing your rights and taking appropriate action can help you navigate these challenges.

People online have varying opinions about the phone number 716-882-4515. Here's what some users on Reddit have to say:

User DebtBuster99 commented, 'Got a call from 716-882-4515, they claimed I owed money from a credit card I paid off years ago. Super sketchy.' Another user, FrugalSavvy, mentioned, 'I received multiple calls from this number. They left messages but didn't provide any specifics on why they were contacting me.' Meanwhile, AnonUser123 wrote, '716-882-4515 keeps calling me daily. I finally picked up, and they said they're from Sequium Asset Solutions. I told them to send everything in writing, and they hung up.'

From these quotes, you can see that people generally have a negative perception of the calls from this number. The main concerns revolve around potential misinformation about debts and persistent calling.

You should verify the information and possibly consider legal advice if you believe your rights are being violated.

Overall, it seems people view calls from 716-882-4515 skeptically, often citing dubious debt claims and frequent interruptions. Stay cautious, verify details, and seek legal guidance if needed.

Yes, you should consider removing 7168824515 from your credit report if you confirm it's there and it might be inaccurate. Mistakes on your credit report are more common than you might think, and they can unnecessarily lower your credit score. If you've found this collection and believe it might be incorrect or outdated, it's worth addressing.

Here are some key steps you can take:
• Do Not Hire Typical Credit Repair Companies: Many of these companies have poor reputations and don't maximize your chances of removing potentially inaccurate negative items.
• Avoid Disputing It on Your Own: This process can consume a lot of time and energy.
• Consider Reputable Help: We recommend reaching out to a trusted credit repair company like The Credit Pros. They can efficiently handle disputes and save you significant time.

As a final point – you should verify and address any inaccuracies, consider avoiding typical credit repair companies, and reach out to a reputable firm like The Credit Pros for help.

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.

• 8006182247
• 7168824515
• 8005411734