214-283-1678

What Company Is Calling Me From 214-283-1678? Are They A Scam And Why Are They Calling Me?

The company calling from 214-283-1678 is Portfolio Recovery Associates, a debt collection agency. They might be a scam if they’re contacting you about a debt that isn’t yours or if they use aggressive or deceptive tactics. The main reason for their call is to collect on a debt. If you receive such a call, remember that you have the right to request verification of the debt. If the calls are unwanted or harassing, file a complaint with the Federal Trade Commission. Ensure the legitimacy of the debt and the caller’s identity before providing any personal information or making payments. If the calls continue or become harassing, block the number, send a cease and desist letter, and document any potential violations of the Fair Debt Collection Practices Act (FDCPA). If the debt is legitimate, use your rights under the FDCPA to negotiate a settlement or payment plan. In case of inaccurate debt, dispute it and seek a pay-for-delete agreement. Remember that there may be legal consequences if the debt is left unresolved, so take the necessary steps to address the situation and protect your rights.

How Can I Block Or Stop Calls From 214-283-1678?

To block or stop calls from 214-283-1678, start by identifying if it’s a debt collector. If it is, contact your phone carrier to block the number or use call blocking apps. Next, send a cease and desist letter through certified mail, demanding no more calls. Keep thorough records of all calls to show a pattern of harassment. Consult a non-profit credit counselor for help in negotiating a debt resolution, and consider speaking to a consumer protection attorney if the collector breaks regulations. While blocking calls won’t eliminate any real debts, taking action can put an end to harassment and help address outstanding debts.

Is 214-283-1678 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a law that protects consumers from unfair or abusive debt collection practices. If you receive a call from 214-283-1678, it may be Portfolio Recovery Associates, a debt collection agency. Document the details of each call, such as date, time, frequency, and any abusive language used. If they call outside allowed hours, repeatedly, or use abusive language, you may have grounds for action.

To protect yourself, revoke consent for calls outside normal hours, request no contact at your workplace, and send a cease and desist letter via certified mail. You can also verbally ask them to stop calling during a conversation. Report any violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. Remember, Portfolio Recovery Associates must follow the FDCPA, and you have rights as a consumer to prevent harassment.

If 214-283-1678 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 214-283-1678 and the caller claims to be a debt collector, it’s essential to validate the debt and explore your options. First, send a debt validation letter by mail, requesting written proof of the debt. Examine the information provided and dispute any inaccuracies. If the debt is legitimate, negotiate a reasonable settlement or payment plan in writing before making any payments. Additionally, request the deletion of the debt from your credit report if you reach a settlement agreement.

If the collector violates the Fair Debt Collection Practices Act (FDCPA), protect your rights and document any violations. Seek guidance from a non-profit credit counseling agency or an attorney for potential bankruptcy or legal action. Keep detailed records of all correspondence and calls, and revoke any prior permissions if the collector contacts you outside FDCPA guidelines.

Can 214-283-1678 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector calling you at 214-283-1678 is legitimate, they have the legal right to sue you to recover the amount owed. If they obtain a court judgment, they could potentially garnish your wages or bank accounts. To avoid legal action, it’s crucial to 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, or hire a consumer law attorney. Consider bankruptcy if debts are overwhelming and consult with an attorney to discuss the appropriate course of action.

Before agreeing to settle, carefully consider the proposed payment plan’s affordability, 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 214-283-1678 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’re receiving calls from 214-283-1678, which is associated with Portfolio Recovery Associates, a debt collection agency, first ensure the debt is legitimate by requesting written confirmation. If any information is incorrect, dispute the debt and demand its removal per the Fair Credit Reporting Act.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith partial settlement payment, or hiring a credit repair service to dispute the debt on your behalf. Alternatively, wait for the 7-year credit reporting time limit to pass, or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws. Consult a consumer law attorney if the collector breaks laws, enabling you to sue for removal and damages.

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

What Feedback And Comments Do People Leave About 214-283-1678?

People have left a variety of feedback and comments about the phone number 214-283-1678, which is associated with Portfolio Recovery Associates, a debt collection agency in Dallas, Texas. Users have reported receiving multiple calls from this number, with some describing the calls as intrusive and even harassing. The feedback includes reports of robocalls and recorded messages, with some users mentioning that the calls often occur at inconvenient times. Some individuals have acknowledged owing debts to the agency, while others have never applied for the credit cards or loans in question. It is essential for users to exercise caution when receiving calls from this number and to verify the identity of the caller before disclosing any personal information.