Constant calls from 281-940-3748?
Sue the Caller!

Who Is Calling 281-940-3748?

Calls from 281-940-3748 often come from Capio Partners, a debt collection agency. Federal law allows collectors to contact you, but the Fair Debt Collection Practices Act (FDCPA) strictly regulates how they operate. When Capio Partners violates those rules, you can take action and enforce your rights.

The Rights Available to You Under the FDCPA

The FDCPA places clear limits on collection activity. Watch for these violations:

• Calling too often or at improper hours
• Collectors may call only between 8 a.m. and 9 p.m. and cannot repeatedly call to pressure or annoy you.
• Using harassment or intimidation
• Threats, abusive language, or aggressive conduct violate federal law.
• Failing to send written validation
• Within five days of first contact, Capio Partners must send written details of the debt.
• Contacting third parties
• Disclosure of your debt to others—outside narrow exceptions—is prohibited.
• Making false or misleading statements
• Misstating the amount owed or threatening legal action without intent to follow through breaks the law.
• Take Control of the Calls

There are steps you can take now to protect yourself:

• Request validation
• Demand written proof to confirm the debt is accurate and enforceable.
• Document every interaction
• Record dates, times, frequency, and statements to build a clear record.
• Dispute or resolve the debt
• Send a written dispute if the debt is incorrect, or negotiate payment if it is valid.
• Stop further contact
• Send a cease-and-desist letter and require Capio Partners to stop calling.

Taking Action to Protect Your Rights

FDCPA violations can entitle you to compensation, including statutory damages and attorney’s fees.

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