Who Called From 973-304-1799?
Short answer: 973-304-1799 is a number used by High Mountain Funding Inc. (High Mountain Funding Inc.), a debt buyer based in North Haledon, NJ — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1294091-dca on file, address of record in north haledon, nj. They are almost certainly trying to collect a debt, most often credit card debt. 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 973-304-1799?
The number 973-304-1799 is used by High Mountain Funding Inc. (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1294091-dca on file, address of record in north haledon, nj), a debt buyer in North Haledon, NJ. For the full company profile — ownership, history, and known aliases — see our complete High Mountain Funding Inc. guide. This page focuses on the calls coming from 973-304-1799 specifically.
About this specific number
- 📞 Number: 973-304-1799 (area code 973, ending in 1799)
- 📍 Line type: Direct-dial — resolves to the 973 area code.
- 🏢 Operator: High Mountain Funding Inc., a debt buyer in North Haledon, NJ.
- 🔢 Related lines: High Mountain Funding Inc. is documented using 1 number in our directory, so calls may also come from other digits.
973-304-1799 is a direct-dial number tied to the 973 area code, which is why the call may have appeared "local" on your caller ID even though High Mountain Funding Inc. operates out of North Haledon, NJ.
Some carriers display 973-304-1799 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from High Mountain Funding Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: High Mountain Funding Inc..
Why Is High Mountain Funding Inc. Calling Me From 973-304-1799?
In our directory, 973-304-1799 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1294091-dca on file, address of record in north haledon, nj for High Mountain Funding Inc., which typically collects credit card debt, charged-off consumer accounts. A call from 973-304-1799 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was sold to High Mountain Funding Inc., which now owns the debt and is trying to collect the full balance.
- ✅ High Mountain Funding Inc. is now dialing you from 973-304-1799 and possibly other lines to reach a resolution.
Calls from 973-304-1799 often come right after a billing cycle closes. Some people report that 973-304-1799 calls once and hangs up, then tries again from a different High Mountain Funding Inc. line hours later. A single missed call is not proof of a valid debt. When 973-304-1799 shows up on your caller ID, it is worth checking whether the High Mountain Funding Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make High Mountain Funding Inc. prove the credit card debt in writing first.
Important: a phone call — even from a real number like 973-304-1799 — does not prove you owe the debt, that the amount is correct, or that High Mountain Funding Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 973-304-1799
Anything you say to High Mountain Funding Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 973-304-1799 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 High Mountain Funding Inc..
Don't agree to a payment on the spot
A single payment to High Mountain Funding 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 973-304-1799.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 973-304-1799. Any legitimate High Mountain Funding 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 973-304-1799 caller. If it truly is your High Mountain Funding Inc. account, they should already have what they need and must prove it.
What To Do If 973-304-1799 Keeps Calling
Here are concrete next steps for this specific High Mountain Funding Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 973-304-1799 as a contact labeled "High Mountain Funding Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 973-304-1799 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that High Mountain Funding Inc. identify the original creditor behind the 973-304-1799 calls and the date the debt was opened.
Your Rights When High Mountain Funding Inc. Calls From 973-304-1799
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 High Mountain Funding 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 High Mountain Funding 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 973-304-1799: 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 High Mountain Funding 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, High Mountain Funding Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars High Mountain Funding 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 973-304-1799
We investigate the specific High Mountain Funding 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 High Mountain Funding Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to High Mountain Funding 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.
973-304-1799 — Frequently Asked Questions
Who is calling me from 973-304-1799?
973-304-1799 is a direct-dial line associated with High Mountain Funding Inc. (also seen as High Mountain Funding Inc.), a debt buyer headquartered in North Haledon, NJ. The number resolves to the 973 area code. If you received a call from 973-304-1799 — often showing the last four digits 1799 on your screen — it is very likely High Mountain Funding Inc. attempting to reach you about a debt they say you owe, most often credit card debt, charged-off consumer accounts.
Is 973-304-1799 a scam number?
High Mountain Funding Inc. is a real, registered company, and 973-304-1799 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like High Mountain Funding 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 973-304-1799?
You are not legally required to answer 973-304-1799 or call High Mountain Funding 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, High Mountain Funding Inc. must pause collection until it mails you proof of the debt.
Why is High Mountain Funding Inc. calling me about credit card debt?
A call from 973-304-1799 usually means an original credit card debt went unpaid and was sold to High Mountain Funding Inc., which now owns the balance and dials this line to collect it. 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 High Mountain Funding Inc. from calling 973-304-1799?
Yes. The FDCPA lets you send a written cease-and-desist demand telling High Mountain Funding Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 973-304-1799 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt High Mountain Funding Inc. is calling about?
Do not pay anything based on a call from 973-304-1799 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.
More About High Mountain Funding Inc.
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