205-379-6018

What Company Is Calling Me From 205-379-6018? Are They A Scam And Why Are They Calling Me?

To determine who is calling from the number 205-379-6018, you can use a reverse phone lookup service to find the company’s name. In this case, it is Portfolio Recovery Associates (PRA), a debt collection agency. PRA often uses this number to contact people about debt collection. Keep in mind that PRA has faced several lawsuits and regulatory actions due to their aggressive practices.

If PRA is calling about a debt you don’t recognize or have disputed, you have rights under the Fair Debt Collection Practices Act (FDCPA). You can request debt validation and ask them to stop contacting you until they provide proof. Being aware of your rights and taking necessary steps to protect yourself is crucial in such situations.

How Can I Block Or Stop Calls From 205-379-6018?

First, determine if the calls are from a debt collector. If they are, take action to stop the calls. Start by blocking the number through your phone carrier’s settings or a call blocking app. Next, send a cease and desist request, formally asking them to stop calling you. Keep a record of all calls and interactions for potential legal action. If the calls continue, seek help from non-profit credit counselors or consumer protection attorneys to address the underlying debts. While blocking calls can help reduce harassment, it’s essential to work towards resolving any outstanding debts.

Is 205-379-6018 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates how debt collectors communicate with consumers, aiming to protect them from harassment and abuse. If you are receiving calls from 205-379-6018, which is associated with Portfolio Recovery Associates (PRA), it’s essential to know your rights and take action to protect yourself.

First, identify the caller and confirm they are a debt collector. If they are, they should provide you with information about the debt, such as the amount owed, the name of the creditor, and your rights under the FDCPA.

Next, block the caller’s number to prevent further unwanted calls. You have the right to request that the debt collector stop calling you, and they must comply with your request.

Additionally, you can assert your rights by revoking consent for the debt collector to contact you, either verbally or in writing. Request that they cease all contact, and if they continue to harass you, consider taking legal action with a consumer protection attorney.

It is crucial to keep records of all calls and interactions with the debt collector, including dates, times, and details of the conversation. If you believe the debt collector has violated the FDCPA, report the violation to the Consumer Financial Protection Bureau.

In conclusion, being aware of your rights under the FDCPA and taking action to protect yourself is crucial when dealing with debt collectors like Portfolio Recovery Associates (PRA). By staying informed and standing up for your rights, you can minimize the negative impact of abusive debt collection practices.

If 205-379-6018 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 205-379-6018 and the caller identifies themselves as a debt collector, your first action should be to request written validation of the debt. Carefully review the information provided to ensure its accuracy and dispute any incorrect details. Negotiating a settlement or an installment plan with the collector may also be an option.

It’s crucial to exercise your rights under the Fair Debt Collection Practices Act (FDCPA), which safeguards consumers from abusive debt collection tactics. Seeking guidance from a credit counselor or contacting an attorney can help you navigate the process more effectively.

Maintain detailed records of all communication with the collector and, if necessary, revoke any prior permission for contact outside of FDCPA guidelines. By taking these steps, you can better protect yourself and your financial interests.

Can 205-379-6018 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 205-379-6018 is a debt collector, they can sue you for the debt and potentially garnish your wages. To avoid this, consider negotiating affordable payment plans, asserting your inability to pay, seeking credit counseling, or hiring an attorney. It’s important to document all interactions with the collector and consider bankruptcy if debts become unmanageable. Be cautious when settling with collectors, ensuring terms are affordable and in writing, and avoid defaulting on payments to prevent further consequences.

If 205-379-6018 Is A Collection Company, How Can I Remove It From My Credit Report?

To remove 205-379-6018 from your credit report, first verify if the debt is legitimate by requesting written confirmation from the collection agency. Review the validation for accuracy and dispute any incorrect information as per the Fair Credit Reporting Act (FCRA). If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith settlement, hiring a credit repair service, waiting for the 7-year limit, filing a complaint, consulting an attorney, and keeping detailed records. Focus on validating the debt before taking action.

In the event of aggressive collection practices, identify the caller and report any violations to the Consumer Financial Protection Bureau. Block their number to limit contact and consider consulting a consumer protection attorney or credit counselor for further assistance. Remember to maintain records of all calls and interactions to protect your rights under the FDCPA.

What Feedback And Comments Do People Leave About 205-379-6018?

When people leave feedback and comments about 205-379-6018, they often express concerns that the caller is Portfolio Recovery Associates (PRA), a debt collection agency known for aggressive practices. Many complaints have been filed against PRA for harassing calls, collecting on expired debts, and insufficient verification. The company has faced lawsuits and regulatory actions for misleading and deceptive practices, resulting in significant fines. Although PRA denies these complaints, the high volume of negative feedback indicates a pattern of problematic practices. Consumers are advised to scrutinize debts claimed by PRA and protect themselves by identifying the caller, blocking their number, requesting debt validation, and considering consulting a consumer protection attorney or credit counselor. Maintaining records of calls and interactions, and reporting any violations to the Consumer Financial Protection Bureau, can help hold PRA accountable for their actions.