Who Called From 505-544-9194?
Short answer: 505-544-9194 is a number used by Snof Financial Services Inc. (Snof Financial Services Inc.), a third-party collection agency based in Albuquerque, NM — nyc department of consumer and worker protection (dcwp) debt-collection license 2118488-dcwp on file, address of record in albuquerque, nm. They are almost certainly trying to collect a debt, most often consumer accounts. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 505-544-9194?
The number 505-544-9194 is used by Snof Financial Services Inc. (nyc department of consumer and worker protection (dcwp) debt-collection license 2118488-dcwp on file, address of record in albuquerque, nm), a third-party collection agency in Albuquerque, NM. For the full company profile — ownership, history, and known aliases — see our complete Snof Financial Services Inc. guide. This page focuses on the calls coming from 505-544-9194 specifically.
About this specific number
- 📞 Number: 505-544-9194 (area code 505, ending in 9194)
- 📍 Line type: Direct-dial — resolves to the 505 area code.
- 🏢 Operator: Snof Financial Services Inc., a third-party collection agency in Albuquerque, NM.
- 🔢 Related lines: Snof Financial Services Inc. is documented using 1 number in our directory, so calls may also come from other digits.
505-544-9194 is a direct-dial number tied to the 505 area code, which is why the call may have appeared "local" on your caller ID even though Snof Financial Services Inc. operates out of Albuquerque, NM.
Some carriers display 505-544-9194 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Snof Financial Services Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: Snof Financial Services Inc..
Why Is Snof Financial Services Inc. Calling Me From 505-544-9194?
In our directory, 505-544-9194 is tracked as a nyc department of consumer and worker protection (dcwp) debt-collection license 2118488-dcwp on file, address of record in albuquerque, nm for Snof Financial Services Inc., which typically collects consumer accounts, retail debt. A call from 505-544-9194 usually happens because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Snof Financial Services Inc. to collect on behalf of the original creditor.
- ✅ Snof Financial Services Inc. is now dialing you from 505-544-9194 and possibly other lines to reach a resolution.
Calls from 505-544-9194 often come right after a billing cycle closes. Some people report that 505-544-9194 calls once and hangs up, then tries again from a different Snof Financial Services Inc. line hours later. A single missed call is not proof of a valid debt. When 505-544-9194 shows up on your caller ID, it is worth checking whether the Snof Financial Services Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Snof Financial Services Inc. prove the consumer accounts in writing first.
Important: a phone call — even from a real number like 505-544-9194 — does not prove you owe the debt, that the amount is correct, or that Snof Financial Services Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 505-544-9194
Anything you say to Snof Financial Services Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 505-544-9194 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Snof Financial Services Inc..
Don't agree to a payment on the spot
A single payment to Snof Financial Services Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 505-544-9194.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 505-544-9194. Any legitimate Snof Financial Services Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 505-544-9194 caller. If it truly is your Snof Financial Services Inc. account, they should already have what they need and must prove it.
What To Do If 505-544-9194 Keeps Calling
Here are concrete next steps for this specific Snof Financial Services Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 505-544-9194 as a contact labeled "Snof Financial Services Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 505-544-9194 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Snof Financial Services Inc. identify the original creditor behind the 505-544-9194 calls and the date the debt was opened.
Your Rights When Snof Financial Services Inc. Calls From 505-544-9194
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Snof Financial Services Inc. a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Snof Financial Services Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 505-544-9194: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Snof Financial Services Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Snof Financial Services Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Snof Financial Services Inc. from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 505-544-9194
We investigate the specific Snof Financial Services Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Snof Financial Services Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Snof Financial Services Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
505-544-9194 — Frequently Asked Questions
Who is calling me from 505-544-9194?
505-544-9194 is a direct-dial line associated with Snof Financial Services Inc. (also seen as Snof Financial Services Inc.), a third-party collection agency headquartered in Albuquerque, NM. The number resolves to the 505 area code. If you received a call from 505-544-9194 — often showing the last four digits 9194 on your screen — it is very likely Snof Financial Services Inc. attempting to reach you about a debt they say you owe, most often consumer accounts, retail debt.
Is 505-544-9194 a scam number?
Snof Financial Services Inc. is a real, registered company, and 505-544-9194 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Snof Financial Services Inc., so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 505-544-9194?
You are not legally required to answer 505-544-9194 or call Snof Financial Services Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Snof Financial Services Inc. must pause collection until it mails you proof of the debt.
Why is Snof Financial Services Inc. calling me about consumer accounts?
A call from 505-544-9194 usually means an original consumer accounts went unpaid and was placed with Snof Financial Services Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Snof Financial Services Inc. from calling 505-544-9194?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Snof Financial Services Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 505-544-9194 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Snof Financial Services Inc. is calling about?
Do not pay anything based on a call from 505-544-9194 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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