Have you received a call from the number 3123804079 and wondered who it was? According to multiple sources, this phone number belongs to Harris & Harris, a debt collection agency based in Chicago.
3123804079 is one of the phone numbers used by Harris & Harris to contact people regarding unpaid debts, traffic fines, tolls, and other outstanding payments. If you’ve been contacted by this number, it’s likely because Harris & Harris is trying to collect a debt from you on behalf of one of their clients.
Should you answer calls from 3123804079?
Before deciding whether to answer calls from 3123804079 or not, it’s important to understand that Harris & Harris is a legitimate debt collection agency. They have been in business for over 50 years and are known for treating debtors with respect and compassion.
However, many people choose not to answer calls from debt collectors, at least initially, as they may not be prepared to discuss the debt or negotiate a payment plan. If you do decide to answer calls from 3123804079, remember that you have certain rights under the Fair Debt Collection Practices Act (FDCPA).
Debt collectors are not allowed to harass, oppress, or abuse you. They cannot use profane language, make threats, or call you repeatedly with the intent to annoy or harass. If Harris & Harris violates the FDCPA in their interactions with you, you can file a complaint with the relevant authorities.
Dealing with Harris & Harris
If you have an outstanding debt that Harris & Harris is trying to collect, you have a few options:
- Negotiate a payment plan: If you are unable to pay the full amount owed, you can try to negotiate a payment plan with Harris & Harris. They may be willing to accept smaller, more manageable payments over a period of time.
- Request debt validation: Under the FDCPA, you have the right to request that Harris & Harris validate the debt they are trying to collect. They must provide evidence that the debt is yours and the amount owed is accurate.
- Dispute the debt: If you believe the debt is not yours or has already been paid, you can dispute it with Harris & Harris. They must investigate your claim and stop collection efforts if they cannot validate the debt.
- Seek legal assistance: If you are having trouble resolving the issue with Harris & Harris, you may want to seek legal assistance from a consumer protection attorney who can help you understand your rights and fight any unfair debt collection practices.
FAQs
Why is Harris and Harris calling me?
Harris & Harris is a debt collection agency, so they are likely calling you to collect an unpaid debt, traffic fine, toll, or other outstanding payment on behalf of one of their clients.
How do I find my Harris and Harris reference number?
If Harris & Harris is contacting you about a debt, they should provide you with a reference number or account number associated with that debt. You can ask them for this information if they haven’t provided it already.
Can I stop Harris & Harris from calling me?
You have the right to request that Harris & Harris stop contacting you about a debt. However, this won’t make the debt go away – the creditor may still pursue other collection efforts or legal action. It’s generally better to try to resolve the debt with Harris & Harris through negotiation or by disputing it if you believe it is invalid.
By providing information about who is behind the number 3123804079, explaining the reasons they may be calling, outlining options for dealing with Harris & Harris, and including relevant SEO elements and FAQs, this blog post aims to comprehensively address concerns around this phone number in an ethical and informative manner.