Calls from 800-900-1361: What You Need to Know

Introduction

Have you been receiving persistent calls from the number 800-900-1361? You’re not alone. Many individuals report calls from this number, often linked to debt collection agencies like Credit Control, LLC, and Penn Credit. Understanding who is calling and knowing your rights can help you navigate these situations with confidence.

Who Is Calling from 800-900-1361?

The phone number 800-900-1361 is commonly associated with debt collection agencies. Notably:

• Credit Control, LLC: This agency contacts individuals to collect outstanding debts on behalf of creditors. Your Legal Rights Advocates
• Penn Credit: Another debt collection firm reportedly using this number to reach out to debtors.

Recognizing Debt Collection Calls

It’s essential to identify whether a call from 800-900-1361 is a legitimate debt collection attempt or a potential scam. Here are some indicators:

• Generic Voicemails: Messages that don’t mention your name or specific debt details may be suspicious.
• Requests for Personal Information: Be cautious if the caller asks for sensitive information without verifying their identity.
• High-Pressure Tactics: Threats or aggressive behavior are red flags.

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

The FDCPA protects consumers from abusive debt collection practices. Under this act:

• Harassment Is Prohibited: Debt collectors cannot harass or abuse you.
• Time Restrictions: Calls are not allowed before 8 a.m. or after 9 p.m.
• Cease Communication Requests: You can request, in writing, that the collector stops contacting you.
• Debt Validation: You have the right to request verification of the debt.

Steps to Handle Calls from 800-900-1361

1. Do Not Ignore the Calls: While it’s tempting to avoid these calls, addressing them can prevent potential legal actions.
2. Verify the Debt: Request a written validation notice to confirm the debt’s legitimacy.
3. Keep Records: Document all communications, including dates, times, and the caller’s information.
4. Know Your Rights: Familiarize yourself with the FDCPA to recognize and report violations.
5. Consider Professional Assistance: If harassment continues, consult with a consumer protection attorney.

Frequently Asked Questions

1. Is 800-900-1361 a scam number?Not necessarily. While it’s associated with legitimate debt collection agencies like Credit Control, LLC, always verify the caller’s identity and the debt in question.
2. What should I do if I don’t owe any debts?If you’re confident you don’t owe the debt, inform the caller and request debt validation. If they cannot provide proof, they are required to cease contact.
3. Can I block calls from 800-900-1361?Yes, you can block the number. However, it’s advisable to first verify the legitimacy of the call to avoid potential legal complications.
4. What if the debt isn’t mine?Inform the collector immediately. Provide any evidence proving the debt isn’t yours and request they cease contact.
5. How can I report harassment from this number?File a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office.
6. Can debt collectors call me at work?Not if you’ve informed them that your employer doesn’t allow such calls.

Conclusion

Receiving calls from 800-900-1361 can be unsettling, but understanding the context and your rights empowers you to handle the situation effectively. Always verify the legitimacy of the call, know your protections under the FDCPA, and don’t hesitate to seek professional advice if needed.