Home / Who is 9494096602 and why are they calling me?

Who is 9494096602 and why are they calling me?

  • Phone number 9494096602 is likely a debt collector called:' First National Collections Bureau, 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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First National Collection Bureau, Inc. likely owns the number 949-409-6602. Dealing with debt collectors can feel stressful and overwhelming, especially if you're unsure if the debt is real. Address this quickly to safeguard your credit score and financial health.

First, block the number using your phone's call-blocking feature or an app like 'robokiller' or 'call blocker.' Next, get your credit reports from Equifax, Experian, and TransUnion to check if you owe anything to First National Collection Bureau, Inc. If you find discrepancies or need help understanding your report, The Credit Pros can assist you in evaluating your credit situation and disputing inaccuracies.

To address your concerns fully, call The Credit Pros at 949-409-6602. We'll have a no-pressure chat about your situation, verify any claimed debt, and protect your rights under the Fair Debt Collection Practices Act. Don't let this issue hang over you—take control of your financial future today.

Who Is 9494096602: Scam Or Legitimate

The number 9494096602 likely belongs to First National Collections Bureau, Inc., a debt collection agency. However, you should be cautious as it could also be a scam. You don't need to engage with the caller either way. If you're unsure about the debt, you're not obligated to pay immediately.

We recommend that you pull your credit report to check for potentially inaccurate negative items that may be hurting your score. Even if it's legitimate, don't respond directly. Instead, here's what we advise you to do:

• Block the number to stop further calls
• Get a free 3-bureau credit report evaluation from us
• Let us verify any claimed debt and dispute inaccuracies
• We'll help you improve your financial outlook

At The Credit Pros, we've assisted thousands of people facing similar situations. Whether you're dealing with a real collector or a scammer, we've got your back. You can trust us to guide you through the next steps to protect yourself and clean up your credit.

To wrap things up, remember that you have options and support available. You don't have to face this alone – give us a call, and we'll help you navigate this situation with confidence and ease.

How Do I Stop 9494096602 From Harassing Me (How To Report Them)

Here's how you can stop 9494096602 from harassing you:

We understand how frustrating and stressful this situation can be for you. You should start by documenting all unwanted interactions. Keep a detailed log with dates, times, and any abusive language used. This evidence will be crucial for you later.

Next, you need to block these calls. Use your phone's call-blocking feature or contact your service provider for help. We recommend apps like 'Robokiller' for Apple devices or 'Call Blocker' for Android to block spam calls effectively.

You should also register your number with the Do Not Call Registry. Simply go to DoNotCall.gov and sign up to avoid telemarketing calls.

If the harassment continues, you need to take more assertive action. Send a cease and desist letter using the template at eforms.com/cease-and-desist/. Make sure you keep a copy for your records.

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.
• Report telemarketing violations to the FTC at ReportFraud.ftc.gov.
• Submit a complaint to the CFPB online at consumerfinance.gov/complaint or call (855) 411-2372.

If the calls persist or escalate to threats, you should consider applying for a restraining order. We also recommend that you consult a harassment lawyer for advice on specific laws that can protect you.

Don't forget to contact your phone carrier. They can provide you with additional call-blocking tools and options to help manage this situation.

To finish up, remember that you have the power to stop this harassment. Block the number, document everything, report to authorities, and don't hesitate to seek legal help if needed. We're here to support you through this challenging time.

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

Should I Block Or Ignore 9494096602

You should block 9494096602. This number likely belongs to First National Collections Bureau, Inc., a debt collector. By blocking them, you won't hurt your credit score or create new problems. It's a smart move to stop potential harassment.

We recommend you take these steps:

• Block the number on your phone
• Don't engage with their calls or messages
• Work with a reputable credit repair company to handle any disputes

When you block the number, you'll reduce stress and gain control. Remember, your score won't drop just because you ignore them. If it's already on your report, the damage is done.

We understand dealing with collectors is tough. That's why it's crucial for you to work with experts. They'll help you remove inaccurate items and guide you through the process. This proactive approach empowers you to improve your financial situation.

Stay strong and don't let these calls intimidate you. You have rights, and we're here to help you protect them. Focus on positive steps to rebuild your credit and financial health.

To wrap things up, you should block the number, avoid engaging, and seek expert help. By taking these actions, you'll be on your way to regaining control of your financial situation and peace of mind.

Can A Debt Collector Like 9494096602 Sue Me

Yes, a debt collector like 9494096602 can sue you, but it's unlikely. Here's what you need to know:

You're only at risk of a lawsuit if you owe a substantial amount, typically over $5,000. Debt collectors prefer to settle out of court because suing is expensive and time-consuming. They must prove you owe the debt, the amount is correct, and they have the legal right to sue - which can be challenging if the debt has changed hands multiple times.

Each state has a statute of limitations on debt collection lawsuits. If your debt is too old, you're protected from legal action. Before considering a lawsuit, debt collectors usually try to reach you through calls and letters.

If you do get sued, you'll receive a court summons and complaint. It's crucial that you respond by the deadline to avoid a default judgment. While wage garnishment or bank account levies are possible outcomes, they're rare.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). This law protects you from abusive practices by debt collectors. We recommend that you:

• Know your rights under the FDCPA
• Keep track of all communications with the debt collector
• Verify the debt if you're unsure about its validity

If you're worried about a potential lawsuit, you should consult an attorney. They can help you understand your options and potential defenses.

To finish up, you should stay informed about your rights, respond promptly to any legal notices, and seek professional advice if needed. Remember, while a lawsuit is possible, it's not the most common approach for debt collectors.

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

9494096602 Might Have Your Personal Information

If 9494096602 might have your personal information, you shouldn't provide them with any details. We advise you not to talk to debt collectors like this. You should ignore their calls. This won't change your next steps: you need to get your 3-bureau credit report and start a comprehensive plan to improve your credit.

We recommend working with a reputable credit repair company. They can handle inaccuracies and guide you in rebuilding your credit effectively. Here's what you should do:

• Block the number to reduce stress.
• Get your credit reports from Equifax, Experian, and TransUnion.
• Talk to a trusted credit repair company for help.

This approach helps you take control without risking your personal information. You're not alone in this situation, and there are steps you can take to protect yourself.

To wrap things up, remember you have the power to handle this situation. Block the number, check your credit reports, and get professional help. You've got this!

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

Types Of Debt Collected By 9494096602

When you receive calls from 9494096602, they may be attempting to collect various types of debt. These typically include:

• Credit card balances
• Auto loan payments
• Unpaid cell phone bills
• Personal loans
• Potentially tax obligations

This debt collector works with different creditors who have either hired them or sold them the debt. You should know that they're required to provide you with specific information, including the creditor's name, the amount you owe, and your rights to dispute the debt.

It's crucial that you verify any debt before making payments. Don't simply accept their claims at face value. You have the right to request written validation of the debt within 30 days of their first contact with you.

Remember, debt collectors must follow strict rules under the Fair Debt Collection Practices Act. If you feel they're violating your rights, you can file a complaint with the Consumer Financial Protection Bureau.

To finish up, we want you to know that you're not alone in dealing with debt collectors. You have rights, and there are steps you can take to protect yourself. Always verify the debt, know your rights, and don't hesitate to seek help if you need it.

How Do I Check If I Owe Money To 9494096602

To check if you owe money to 9494096602, you should start by examining your personal financial records. Look for any bills, account statements, or receipts that might be related to this debt. Next, you should verify if this debt appears on your credit report.

If you find the debt listed, you need to request debt validation from the collections agency. This step ensures they provide you with proof that the debt is legitimate. It's crucial that you avoid direct contact with the agency, as this could reset the statute of limitations on old debts.

If you dispute the debt, we recommend that you consult a consumer protection lawyer. You should be proactive by gathering as much documentation as possible from your own records and credit reports. This helps you prevent inaccurate collection efforts from impacting your credit score.

We advise you to be cautious of scams involving debt threats. You should never provide personal financial information over the phone. To reduce the risk of scams, you can use tools like Nomorobo to block robocalls.

• Check your personal financial records for any related bills or statements
• Verify if the debt appears on your credit report
• Request debt validation from the collections agency
• Avoid direct contact to prevent resetting the statute of limitations

To finish up, remember that you have the power to protect yourself. By following these steps, you can confidently address any potential debts and safeguard your financial wellbeing.

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

Which Debt Collection Laws And Regulations Protect Me From 9494096602

You're protected from 9494096602 under several key debt collection laws and regulations. The main federal law protecting you is the Fair Debt Collection Practices Act (FDCPA). This law prohibits third-party debt collectors from using abusive, unfair, or deceptive practices when collecting personal, family, and household debts.

Under the FDCPA, you have specific rights. Debt collectors can't:
• Contact you before 8 AM or after 9 PM
• Reach out to you at work if your employer prohibits such calls
• Use obscene or abusive language
• Threaten you with violence or criminal actions
• Continuously call to harass you

You also have the right to receive a written validation notice about your debt. This notice must include the amount owed, the creditor's name, and your rights to dispute the debt. If you dispute it in writing within 30 days, the collector must verify the debt and stop collection until they do so.

Many states offer additional protections beyond the FDCPA. We recommend you contact your state attorney general's office to learn about specific protections in your area. You have the power to demand that a debt collector stop contacting you, but you must do this in writing.

If you have legal representation, you can require all communications to be directed to your attorney. Remember, you can sue collectors for FDCPA violations within one year, potentially recovering damages and attorney fees.

To finish up, if 9494096602 is bothering you, know that you're not alone. You have strong legal protections on your side. Don't hesitate to assert your rights and seek help if needed. We're here to support you through this challenging situation.

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 9494096602/First National Collections Bureau, Inc. Have Any Lawsuits Against Them

Yes, First National Collection Bureau, Inc. has faced several lawsuits related to their debt collection practices. You should be aware of these notable cases:

• Carter v. First National Collection Bureau, Inc. (September 11, 2015): This case alleged violations in debt collection practices.
• Castro v. First National Collection Bureau, Inc. (September 27, 2012): Here, the company faced allegations of FDCPA violations regarding their collection methods.
• Multiple proposed class actions in New Jersey and New York: These lawsuits claim the company violated federal debt collection laws by improperly charging interest and failing to specify the true amount of debt.

You should also know that numerous consumer complaints have been filed against the company. These complaints often involve:

• Attempts to collect debts you don't owe
• False representations made to you
• Improper contact with third parties about your debt
• Violations of FDCPA communication rules

If you've experienced issues with First National Collection Bureau, Inc., we recommend you consult with a legal advisor. They can help you understand your rights and guide you on potential actions you can take. To wrap things up, remember that you have options if you're dealing with this company, and seeking professional advice is a smart first step to protect yourself.

What Do People Online Say About 9494096602

People online have mixed reactions about 949-409-6602. You'll find various opinions on Reddit:

Some users report frequent calls without voicemails. You might get up to 7 calls in a short period. If you're experiencing this, it can be frustrating.

We've seen conflicting information about the caller's identity. Some say it's a financial services company responding to loan inquiries. Others claim it's a spam call or potential scam. You should be cautious if you receive a call from this number.

If you answer, you might hear about changing insurance companies or debt consolidation offers. However, be wary. Some users warn it could be a scam attempting to steal your personal information.

Here's what we advise you to do:
• Don't share any personal or financial information over the phone
• Block the number if calls persist and bother you
• Report the number to your local consumer protection agency if you suspect fraud

To finish up, you should stay vigilant. If you're concerned about your credit, work with a reputable credit repair company instead of engaging with unknown callers. Your financial safety is important, and we're here to help you protect it.

Do I Really Need To Remove 9494096602 From My Credit Report

You should remove 9494096602 from your credit report if it's potentially inaccurate. Don't waste your time trying to dispute it yourself - it's time-consuming and frustrating. We advise you against hiring typical credit repair companies, as many are deceptive and ineffective. Instead, you should consider reaching out to a reputable firm like The Credit Pros. We can save you hours of effort and maximize your chances of removing inaccurate negative items.

When you work with a trustworthy credit repair company, you'll see a world of difference in handling these issues efficiently and effectively. We understand that dealing with collections is incredibly frustrating for you. Let us guide you through this process and work to improve your credit profile.

Here are key points for you to remember:
• Verify that the collection is actually on your report
• Avoid scammy credit repair services at all costs
• Don't waste your valuable time disputing alone
• Let experts handle it for the best results
• Choose a reputable company like ours to assist you

To finish up, you should take action now to remove inaccurate items from your credit report. We're here to help you take control of your credit situation and move forward with less stress and more confidence.

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

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- +1 949-409-6602
- +1 (949) 409-6602
- +1 949 409 6602
- (949) 409-6602
- 949-409-6602
- 949.409.6602
- 949 409 6602
- +19494096602
- (949) 409-6602
- 949.409.6602
- 9494096602

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 First National Collections Bureau, 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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