205-637-2973

What Company Is Calling Me From 205-637-2973? Are They A Scam And Why Are They Calling Me?

The company behind the phone number 205-637-2973 is Portfolio Recovery Associates, a debt collection agency. Many people have reported receiving spam calls from this number, and some even suspect it to be a scam. The callers typically do not leave messages and are believed to create fake debts to collect money. To ensure your safety, be cautious when receiving calls from this number. If you’re unsure about the legitimacy of a call, don’t answer or hang up and call the company using a verified phone number. Keep in mind that it’s crucial to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) and protect yourself by familiarizing yourself with consumer protections. In case of a legitimate debt, consider taking legal action or negotiating a payment plan. Also, ensure the debt is valid and remove any inaccuracies from your credit report by disputing them and seeking credit repair assistance.

How Can I Block Or Stop Calls From 205-637-2973?

To block or stop calls from 205-637-2973, first, let unknown calls go to voicemail and identify if they are from a debt collector. Then, block the number by contacting your phone carrier, using call blocking apps, or setting your smartphone to send calls from unknown numbers to voicemail. Next, send a cease and desist letter via certified mail and check your state laws for any regulations that protect you from collection calls without written notice. Consult a non-profit credit counselor to help negotiate a resolution for any outstanding debts and consider speaking to a consumer protection attorney regarding your rights and potential lawsuits.

Is 205-637-2973 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 205-637-2973 is associated with Portfolio Recovery Associates, a debt collection company. However, numerous users report receiving spam calls from this number, leading some to suspect it could be a scam. To safeguard yourself, be cautious when receiving calls from this number, avoid answering, and block the number.

Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA), which outlines consumer rights and protections during debt collection. Under the FDCPA, you have specific rights and protections regarding debt collection calls. Document any potential FDCPA violations to address any harassment or other violations.

If you believe your rights are being violated, take action by revoking consent for calls outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter, or verbally requesting they stop calling during any conversation.

Should you suspect a violation, report it to the Consumer Financial Protection Bureau to initiate an investigation. Consult with a consumer protection attorney about your specific rights and options, which may include suing for damages. Reach out to your state Attorney General’s office for guidance if you think FDCPA violations have occurred. You can also seek advice from an experienced credit counselor on how to address the debt without incurring further collection calls.

Adhering to the FDCPA is mandatory for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 205-637-2973 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 205-637-2973 and it’s a debt collector, your first step is to validate the debt. To do this, send a debt validation letter by mail, as they are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Examine the validation carefully, checking your personal information, the creditor’s name, account number, and amount owed. Dispute any incorrect or unfamiliar information in writing and request its removal from your credit report.

Once the debt is validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before making any payment. Offer a partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Exercise your rights under the FDCPA if the collector violates regulations during collection. Consult a non-profit credit counseling agency for guidance on debt resolution. Speak to an attorney to understand if bankruptcy or legal action against the collector are viable options.

Maintain detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. Always confirm if the debt is valid and exercise your consumer rights under federal and state law before deciding on the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 205-637-2973 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 205-637-2973 claiming to be a debt collector, be cautious as many users have reported spam calls from this number. If the debt is legitimate, the collector could sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, you can negotiate affordable lump-sum or installment payments in writing, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are truly overwhelming.

Before agreeing to settle, consider if the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing, and be aware that the collector can still sue if you default on a settlement. Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 205-637-2973 Is A Collection Company, How Can I Remove It From My Credit Report?

First, ensure the debt from 205-637-2973 is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Waiting out the 7-year credit reporting time limit for the collection to automatically fall off your report is another option. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Keep detailed written records showing your efforts to resolve the disputed collection account. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 205-637-2973?

Many people who have received calls from the phone number 205-637-2973, associated with Portfolio Recovery Associates, have left negative feedback and comments, often reporting it as a spam call or even suspecting it as a scam. Some users mention that the callers do not identify themselves and attempt to collect on non-existent debts. It is important for users to exercise caution when receiving calls from this number and to verify the legitimacy of the call. Legitimate debt collection agencies will provide identification and validate any debt claims. In case of suspicious calls, users should familiarize themselves with the Fair Debt Collection Practices Act (FDCPA) rights and protections for consumers. If the debt is legitimate, consider legal action or negotiating a payment plan. To remove the debt from your credit report, validate its legitimacy, dispute inaccuracies, and seek credit repair assistance.