210-516-1613

What Company Is Calling Me From 210-516-1613? Are They A Scam And Why Are They Calling Me?

Portfolio Recovery Associates is the company calling from 210-516-1613. They are a debt collection agency that contacts individuals about overdue debts, often through spam or robocalls. These calls might be perceived as unwanted or harassing because there is no live person initially on the line. Although debt collection is a valid process, the calling patterns and lack of personal contact can be off-putting. If you receive a call from this number, make sure the debt is legitimate, negotiate payment terms, and exercise your rights under the Fair Debt Collection Practices Act. If the calls continue or you feel uncomfortable, block the number and seek professional help.

How Can I Block Or Stop Calls From 210-516-1613?

First, let the calls from 210-516-1613 go to voicemail and don’t answer directly. This can help you determine if the call is from a debt collector. Next, block the number by contacting your phone carrier or using call blocking apps. If you suspect the calls are from a debt collector, request no further contact by sending a cease and desist letter. Keep records of all calls and correspondence with the debt collector. If you have an outstanding debt, consider speaking to a credit counselor or a consumer protection attorney to address the issue and protect your rights under the Fair Debt Collection Practices Act. By taking these steps, you can address unwanted calls and protect your rights as a consumer.

Is 210-516-1613 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 210-516-1613 may be involved in debt collection practices, and it’s crucial to understand your rights as a consumer under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that shields you from unfair, deceptive, and abusive debt collection methods.

First, confirm if the calls are indeed from a debt collection agency. If they are, note the date, time, frequency, and phone number of the calls. If they violate FDCPA rules by calling outside allowed hours, repeatedly calling, or using abusive language, you can revoke consent for these calls.

To protect yourself, send a cease and desist letter to the collection agency, asking them to stop contacting you. If they continue, report the violations to the Consumer Financial Protection Bureau.

Furthermore, consult a consumer protection attorney or your state Attorney General’s office for additional help. Ensure you verify the legitimacy of the debt and negotiate payment terms to resolve the issue. If the calls continue and you believe they violate the FDCPA, don’t hesitate to take action to safeguard your rights.

If 210-516-1613 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 210-516-1613 and suspect it’s from a debt collector, your first step should be to validate the debt. Request written validation from the collector, carefully review the details, and dispute any incorrect information. Once you have validated the debt, you can explore various options such as negotiating a settlement, setting up a payment plan, or considering legal actions like bankruptcy or consulting an attorney. It’s essential to remember your rights under the Fair Debt Collection Practices Act (FDCPA) and maintain detailed records of all communications. If needed, don’t hesitate to seek help from professionals.

Can 210-516-1613 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you owe money to 210-516-1613, which is a debt collection number used by Portfolio Recovery Associates, they may sue you to recover the debt. If they are successful, they can garnish your wages or bank accounts. To avoid legal action, you can negotiate affordable payment terms, assert your inability to pay, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy as a last resort.

Before settling with 210-516-1613, make sure the payment plan is affordable and get any agreements in writing. Be aware of potential consequences if you default on the payments. Consult professionals to understand your options and rights under the Fair Debt Collection Practices Act. Ensure the debt is legitimate and, if necessary, block the number to protect yourself from unwanted calls and potential scams.

If 210-516-1613 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm that 210-516-1613 is a legitimate debt collection company, Portfolio Recovery Associates. If the debt is inaccurate, dispute it. To potentially remove the debt from your credit report, consider these steps:

1. Negotiate a pay-for-delete agreement with the collection company, where you offer to pay the debt in full if they remove it from your credit report.
2. Offer a good faith settlement, which is a partial payment that can satisfy the debt and potentially lead to the debt’s removal from your credit report.
3. Hire a credit repair service to help dispute the debt and negotiate with the collection company on your behalf.
4. Wait for the debt to fall off your credit report after seven years, as negative information typically stays on your report for this amount of time.

If the collection company violates the Fair Debt Collection Practices Act, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney for further assistance. Maintain detailed records throughout the process to ensure you have evidence of any violations or communication with the collection company.

What Feedback And Comments Do People Leave About 210-516-1613?

Many people have left negative feedback and comments about the phone number 210-516-1613, which is associated with debt collection by Portfolio Recovery Associates. Users often report unwanted calls and potential scams due to insufficient identification. Common complaints include issues with how calls are received from this number, such as feeling harassed or pressured.

To address these concerns, it is crucial to ensure that any debt associated with this number is legitimate. If it is, negotiate payment terms with the debt collector and assert your rights under the Fair Debt Collection Practices Act. This act protects consumers from abusive or deceptive practices by debt collectors.

If you continue to receive unwanted calls from 210-516-1613, consider blocking the number and consulting with professionals, such as a consumer protection agency or an attorney, for assistance. By doing so, you can help protect yourself from potential scams and harassment related to this phone number.