Who is 9043980080 and why are they calling me?

The number 9043980080 is likely legitimate, but you should proceed with caution. It's associated with Professional Debt Mediation, a debt collection agency in Jacksonville, FL. While they've been around since 1998, they have mixed reviews and complaints.

We advise you not to engage directly if they call you. You're not required to pay immediately, even if the debt is real. Instead, here's what we recommend you do:

• Block the number to stop harassment
• Pull your free credit report
• Check for inaccurate negative items
• Contact us for a free credit evaluation

We can help you verify any debt, dispute errors, and boost your financial outlook. Whether it's a scam or a legitimate collector, your next steps are the same. Let's review your credit report together and tackle any issues head-on.

You have rights, and debt collectors must follow strict rules. If they've violated your rights, you might have legal options. We're here to guide you through this stressful situation and help improve your credit.

To wrap things up, you should block the number, check your credit report, and reach out to us for support. We understand this can be overwhelming, but you're not alone in this process.

To stop 9043980080 from harassing you, you need to take immediate action. Here's what we advise you to do:

First, you should document every unwanted interaction. Keep a detailed log of each call, noting the date, time, and any abusive language used. This record will be crucial if you need to escalate the issue later.

Next, you should register your number at DoNotCall.gov. You can also block the number through your phone settings or contact your carrier for help. If the calls persist, you might need to take more serious steps.

We understand this situation can be stressful. If the harassment continues or threats escalate, you should consider getting a restraining order. You might also want to hire a harassment lawyer for legal protection, as harassment violates specific Federal and State laws.

You can use apps to block these unwanted calls. Try 'Call Blocker - Stop spam calls' on Android or 'Robokiller: Spam Call Blocker' on Apple. These tools can significantly reduce the number of harassing calls you receive.

It's crucial that you file complaints with the proper authorities. Here's where you should report:

• Federal Communications Commission (FCC): Report illegal robocalls, spoofed calls, or other unwanted calls at fcc.gov/complaints.
• Federal Trade Commission (FTC): Report telemarketing calls or disregard of the Do Not Call Registry at ReportFraud.ftc.gov or DoNotCall.gov/report.html.
• Your phone carrier: Ask about their call-blocking tools and options.

To finish up, remember that you have the power to stop this harassment. Document everything, use blocking tools, and don't hesitate to involve the authorities. We're here to support you through this process, and with these steps, you can reclaim your peace of mind.

Yes, you should block 9043980080. Here's why:

You're dealing with a debt collector. Blocking them won't hurt your credit score more than the existing collection account. By blocking, you'll reduce stress and unwanted calls, giving you control over when to deal with the debt on your terms. Remember, you're not ignoring the debt; you're creating space to plan your next steps. It's important to know that the Fair Debt Collection Practices Act allows you to request they stop contacting you.

We recommend that you:

• Block the number immediately
• Document any previous calls or messages
• Contact a credit repair company for help
• Let them guide you on removing inaccurate items
• Don't pay without verifying the debt first

Blocking doesn't make the debt disappear, but it gives you breathing room to explore your options. We understand this situation can be stressful, but a reputable credit repair firm can help you navigate it and potentially improve your credit score.

To wrap things up, you should block the number, document everything, and seek professional help. Remember, you're taking control of your financial future, and we're here to support you every step of the way.

Yes, a debt collector like 9043980080 can sue you, but it's very unlikely. Typically, they pursue lawsuits only as a last resort, usually for amounts over $5,000 to justify the cost and effort.

You should know that the debt collector must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be challenging, especially if the debt has changed hands multiple times. Suing is also expensive and time-consuming, so many collectors prefer to settle out of court.

Each state has a statute of limitations that limits the time frame within which a debt collector can sue you. If your debt is old, it might fall outside this period, making a lawsuit even less likely.

Debt collectors typically try other methods first:
• They'll call you repeatedly
• They'll send you letters
• They might try to negotiate a settlement

If they do decide to sue, you'll receive a court summons and complaint. You must respond within the specified deadline to avoid a default judgment. A default judgment could lead to wage garnishment or bank account levies, but this is still 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. We advise you to know your rights and use them if needed.

To finish up, if you're worried about a debt collector suing you, don't panic. It's rare, and you have protections. If you do receive a lawsuit, consider talking to an attorney to understand your options and defenses. Stay informed and proactive, and you'll be in a much better position to handle any debt collection attempts.

If you're concerned that 904-398-0080 might have your personal information, don't provide any details to this debt collector. You should avoid answering their calls, as engaging could lead to sharing sensitive information or falling for pressure tactics. We recommend you take these steps to protect yourself:

• Get your credit reports from all three major bureaus.
• Block the caller's number to prevent unwanted stress.
• Seek help from a reputable credit repair company like Credit Sage.

Credit repair specialists can effectively handle debt collectors and dispute any inaccuracies on your credit report. This approach safeguards your rights and may remove negative items without you paying the debt.

You should focus on building a comprehensive plan to improve your credit. Working with professionals ensures you're taking the right steps to protect your financial future. They can guide you through the process of dealing with collectors and cleaning up your credit report.

To finish up, remember that you have options. By getting your credit reports, blocking the number, and seeking expert help, you're taking control of your financial situation. We're here to support you through this process and help you achieve a healthier credit standing.

Professional Debt Mediation, associated with 904-398-0080, collects various types of debt for federal and state agencies. You might encounter them if you have unpaid loans, overpayments, fines, penalties, or child support obligations.

When collecting debts, they use methods like:

• Offsetting eligible federal and state payments
• Administrative wage garnishment
• Credit bureau reporting

If they contact you, it's crucial to understand your rights under federal law. You should receive debt validation information from them. We recommend that you carefully review this information to confirm if the debt is indeed yours.

You have protections in place, so don't panic if you hear from them. Take a deep breath and approach the situation calmly. Remember, you're entitled to verify any debt before paying.

To finish up, we want to reassure you that you're not alone in this. You have rights, and there are steps you can take to handle the situation effectively. Stay informed, review any information they send you, and don't hesitate to seek help if you need it.

To check if you owe money to 904-398-0080 (Professional Debt Mediation), you should follow these steps:

First, you need to review your own financial records. Look through your bills, account statements, and any equipment return receipts. This will help you identify if you have any outstanding debts.

Next, you should access your credit report from Equifax, Experian, or TransUnion. Check for any collection accounts reported by Professional Debt Mediation.

If you find an entry from Professional Debt Mediation on your credit report, you should request debt validation from them. This means you're asking for proof that you actually owe the debt.

We advise you to be cautious about contacting them directly. If you do, you might accidentally restart the statute of limitations on old debts.

If you're dealing with disputed debts or facing harassment, you might want to consult a consumer protection lawyer. They can provide you with personalized advice for your situation.

Here are some key points to remember:

• You should gather as much documentation as you can from your own records.
• It's crucial that you check your credit reports thoroughly.
• You have the right to request debt validation before paying anything.

To finish up, remember that you're in control of this situation. By following these steps, you'll be well-prepared to handle any potential debt issues with Professional Debt Mediation. Stay proactive and don't hesitate to seek help if you need it.

You are protected from calls from 9043980080 and other debt collectors by several laws, primarily the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits abusive, deceptive, or unfair practices by debt collectors. Here's what you need to know:

Under the FDCPA, debt collectors can't contact you before 8 AM or after 9 PM. They also can't call you at work if your employer doesn't allow it. You're protected from abusive language, threats, and harassment.

When a debt collector contacts you, they must provide a validation notice. This notice should include information about the debt and your right to dispute it. If you dispute the debt within 30 days, they must stop collection efforts until they verify it.

Your state may offer additional protections. For example, some states require debt collectors to be licensed and follow stricter rules. You should check with your state attorney general for more details about your specific location.

If you believe a debt collector has violated these laws, you have options:

• Report them to the Consumer Financial Protection Bureau (CFPB)
• File a complaint with the Federal Trade Commission (FTC)
• Contact your state attorney general's office

You can also sue the collector within one year of the violation to recover damages and attorney fees.

Remember, you have the right to demand in writing that a debt collector stop all communication with you, with a few exceptions. This can give you some peace of mind and control over the situation.

To finish up, you should know your rights, keep records of all communications, and don't hesitate to report violations. By understanding these protections, you can confidently handle debt collection attempts and protect yourself from unfair practices.

Professional Debt Mediation Inc. doesn't have any known lawsuits against them for debt collections, according to "Sue the Collector." However, you should be aware of some important issues:

• In 2013, Massachusetts issued a Cease Directive to the company for operating without a license.
• The company has received numerous complaints to the Consumer Financial Protection Bureau (CFPB).
• They hold an "F" rating from the Better Business Bureau due to their debt collection practices.
• Many consumers have reported aggressive or unlawful debt collection tactics.

If you're dealing with Professional Debt Mediation Inc., you should be cautious. Their history of complaints and regulatory issues raises red flags about their practices. You have rights as a consumer, and it's crucial that you understand them when interacting with debt collectors.

We recommend that you document all communications with the company. If you believe they've violated your rights or used unfair practices, you should consider filing a complaint with the CFPB or your state's Attorney General's office.

Remember, you have the right to dispute any debt and request verification. Don't let aggressive tactics pressure you into making payments you can't afford or for debts you don't owe.

To finish up, if you're feeling overwhelmed or unsure about how to handle this situation, we strongly advise you to reach out to a consumer protection attorney or a reputable credit counseling agency. They can provide you with personalized guidance and help you navigate this challenging situation.

People online share varied experiences with 904-398-0080, associated with Professional Debt Mediation, a debt collection agency. You'll find mixed reviews and complaints across platforms like Reddit, the Better Business Bureau (BBB), and the Consumer Financial Protection Bureau (CFPB).

On Reddit, users advise you to request debt verification and send a cease and desist letter. The BBB profile shows Professional Debt Mediation has an "F" rating and 1 out of 5 stars. You'll see complaints about failing to validate debts, collecting in unlicensed states, and increasing owed amounts.

The CFPB database reveals over 1,000 complaints against the company. Common issues you might encounter include:

• Failure to validate debts
• Aggressive collection tactics
• Attempts to collect already-paid debts
• Improper practices in some states

If you're dealing with Professional Debt Mediation, we recommend you:

• Request debt verification in writing
• Send a cease and desist letter if harassment occurs
• Check your state's debt collection laws
• Consider seeking legal advice or credit repair services

To wrap things up, you should approach any contact from this number with caution. Remember, you have rights as a consumer, and it's crucial that you protect yourself from potentially unfair practices.

You absolutely need to remove 9043980080 from your credit report if it's potentially inaccurate. This collection account is likely hurting your credit score and decreasing your chances of getting loans with good rates.

Don't waste your time trying to dispute it yourself - it's a huge hassle. Instead, we suggest you reach out to a reputable credit repair company like The Credit Pros. We can save you hours of effort and maximize your chances of removing this potentially inaccurate item.

Most credit repair companies are scams, but a good one can make a world of difference for you. Here's what we can do:

• Review your report for free
• Explain your options clearly
• Handle the whole process for you

With our help, you could see this collection removed without paying the debt. This can boost your score and improve your approval odds significantly.

To wrap things up, you should give us a call at (855) 677-2127 to speak with one of our friendly specialists. We're here to help you get started today and take control of your credit situation.

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.

• 9122385252
• 8007497710
• 8443018724
• 8002645654
• 8582447600
• 8327773384
• 2172413376
• 9043980080
• 8043539300
• 3304273362