Constant calls from 602-639-4630?
Sue the Caller!

Is Credit One Bank Reaching Out from 602-639-4630?

Credit One Bank may be calling from 602-639-4630 to discuss a financial matter. As a first-party creditor, they collect their own debts and don't fall under the Fair Debt Collection Practices Act (FDCPA). However, many state laws still offer protection from unfair contact.

Know Your state's consumer Protection Laws

Different states have different rules. Here are some laws that could limit how Credit One Bank may contact you:

• California: Creditors can't make false threats or contact unauthorized third parties.
• Florida: You can stop collection calls by submitting a written request.
• Massachusetts: Personal numbers can receive no more than two calls per week.
• Michigan: Calls must occur between 8 a.m. and 9 p.m. and not reach your job if you object.
• Pennsylvania: Collectors may not call repeatedly about the same debt or mislead you.
• Texas: Calls outside legal hours or to restricted workplaces violate state law.

Your Next Steps if 602-639-4630 Keeps Calling

Here's how to respond if Credit One Bank keeps calling:

• Request written proof of the debt to confirm its validity.
• Document every call, including when it happened and what was said.
• Report issues to your state's consumer protection agency if necessary.
• Talk to a consumer attorney if the communication feels excessive or aggressive.

Call Lemberg Law for a Free Consultation

If you believe that calls from 602-639-4630 are pushing boundaries, Lemberg Law is here to help. We offer free consultations, and you won't pay unless we win. Don't let unwanted contact take over your day-reach out today.