321-216-3918

What Company Is Calling Me From 321-216-3918? Are They A Scam And Why Are They Calling Me?

Portfolio Recovery Associates is the company linked to 321-216-3918, a debt collection agency. However, some reports suggest these calls could be scams, with imposters pretending to be the company without a valid reason. To ensure the authenticity of the call and the debt being collected, follow the Fair Debt Collection Practices Act guidelines, request written validation of the debt, and consider negotiating a settlement or payment plan. Consult a credit counselor or attorney for further guidance on debt management and your rights.

How Can I Block Or Stop Calls From 321-216-3918?

To block or stop calls from 321-216-3918, first determine if it’s a legitimate debt collector. If it is, contact your phone carrier to block the number or use call blocking apps. To stop the calls, send a cease and desist letter to the debt collector and keep records of all calls received. Remember, blocking calls won’t eliminate the owed debt, so consult a credit counselor or attorney to address the underlying issue. In the end, blocking the calls provides temporary relief, but addressing the root cause of the debt is essential for a long-term solution.

Is 321-216-3918 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 321-216-3918 is likely from Portfolio Recovery Associates, a debt collection agency. However, there have been instances of scammers using this number without authorization. To protect your rights under the Fair Debt Collection Practices Act (FDCPA), keep a record of each call, including the date, time, frequency, and any inappropriate language used. If the calls are outside the allowed hours, withdraw your consent for them and request the collectors to stop calling. If you think your rights are being violated, report the issue to the Consumer Financial Protection Bureau. For additional advice on managing debt and your rights, seek guidance from a consumer protection attorney or credit counselor.

If 321-216-3918 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 321-216-3918 is a legitimate debt collector and to validate the debt, follow these steps:

1. Request written validation: Send a debt validation letter by mail to the debt collector, requesting written proof of the debt. This will help you verify the authenticity of the debt and ensure the collector is legally allowed to contact you.

2. Review the validation carefully: Once you receive the validation, thoroughly examine it for accuracy. Dispute any incorrect information and maintain records of your correspondence with the collector.

3. Negotiate a settlement or payment plan: If the debt is legitimate, consider negotiating a settlement or payment plan that works for you. This can help you resolve the debt and avoid further collection actions.

4. Assert your rights under the FDCPA: Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and assert your rights as a consumer. This federal law protects you from abusive or harassing debt collection practices.

5. Consult a credit counselor or attorney: If you’re unsure about your debt or need legal advice, consult a credit counselor or attorney for guidance. They can help you understand your options and protect your rights.

6. Revoke prior permissions: If you’ve given the collector prior permission to contact you, revoke that permission in writing. This will prevent them from continuing to harass you.

7. Report any suspicious activity: If you suspect a debt collector is not legitimate or is attempting to scam you, report them to the Federal Trade Commission (FTC) and your state attorney general’s office.

Can 321-216-3918 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector from 321-216-3918, it’s essential to understand your rights and options. They can potentially sue you or garnish your wages if you fail to pay off the debt. To avoid such actions, consider negotiating a reasonable payment plan, asserting your inability to pay, seeking non-profit credit counseling, hiring a consumer law attorney, or even exploring bankruptcy.

When negotiating a settlement, make sure the plan is affordable and get any agreements in writing. Keep in mind that not fulfilling a settlement agreement can lead to legal consequences. Always seek assistance to comprehend your rights and options under the Fair Debt Collection Practices Act.

If 321-216-3918 Is A Collection Company, How Can I Remove It From My Credit Report?

If 321-216-3918 is a collection company, you can remove it from your credit report by following these steps:

1. Determine if the calls are indeed from a debt collection company and ask for written confirmation of the debt.

2. Review the validation carefully for accuracy. If any information is incorrect, dispute the debt in writing.

3. Consider negotiating a pay-for-delete agreement with the collection agency, offering to pay off the debt in full if they remove it from your credit report.

4. Alternatively, offer a good faith partial settlement, which is a smaller payment than the full debt, in exchange for the collection company removing the debt from your credit report.

5. Hire a credit repair service to help you dispute the debt and negotiate with the collection agency.

6. Wait for the 7-year time limit. If the debt is more than 7 years old, it should automatically fall off your credit report.

7. File a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office if you believe the collection agency is violating your rights under the Fair Debt Collection Practices Act.

8. Consult an attorney for further guidance on debt management and your rights under the law.

9. Keep detailed records of all communications with the collection agency, including emails, letters, and phone calls, as well as any payments made or disputes filed. This will help you protect your rights and provide evidence in case of future disputes.

What Feedback And Comments Do People Leave About 321-216-3918?

People often leave comments and feedback about the phone number 321-216-3918, reporting that they have received scam calls. These callers pretend to be from Portfolio Recovery Associates, a company that does not appear to be associated with the number. The number is registered to US LEC Co. and is labeled as a “scam suspicion” call type. It is crucial to be vigilant when receiving calls from this number and follow guidelines like the Fair Debt Collection Practices Act to safeguard yourself from potential scams.