323-443-0009

What Company Is Calling Me From 323-443-0009? Are They A Scam And Why Are They Calling Me?

The phone number 323-443-0009 is connected to Portfolio Recovery, a debt collection agency. While this company is legitimate, they have faced accusations of scamming due to aggressive or harassing collection tactics. If you receive a call from this number and are uncertain if the debt is valid, consult with a financial advisor or contact the company directly to verify the debt before disclosing any personal information. To prevent further calls, block the number and familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA).

To address the situation, request debt validation and negotiate a settlement with Portfolio Recovery. If necessary, explore legal action, credit counseling, or bankruptcy as potential solutions. Work on removing collections from your credit report through negotiation and dispute. Monitor reviews and feedback on the 323-443-0009 number from other users to gain insight into the company’s practices and protect yourself from potential scams.

How Can I Block Or Stop Calls From 323-443-0009?

If you’re receiving calls from 323-443-0009, associated with Portfolio Recovery, a debt collection agency, follow these steps to block and address the situation:

1. Identify if it’s a debt collector by letting unknown calls go to voicemail and not answering directly. Debt collectors may leave messages stating they’re attempting to collect a debt.

2. Once you’ve identified the call as from a collector, block the number by contacting your phone carrier or using call blocking apps. You can also set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

3. Formally request no further contact by sending a cease and desist letter via certified mail, demanding no further calls. If your state has laws beyond the FDCPA that prohibit collection calls without written notice, include those rights in your letter.

4. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

5. Consult a non-profit credit counselor to help negotiate resolution of the debt, or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

6. Avoid ignoring unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

7. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 323-443-0009 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you have been receiving calls from the number 323-443-0009, which is linked to Portfolio Recovery, a debt collection agency, you have rights under the Fair Debt Collection Practices Act (FDCPA). This act protects you from aggressive or harassing debt collection tactics.

To protect yourself, it is crucial to document any potential FDCPA violations. Keep track of the date, time, frequency, phone number, and details of all calls. Note if they call outside the allowed hours of 8 am – 9 pm in your time zone, and any abusive, threatening, or obscene language used during the calls.

Asserting your rights under the FDCPA is vital to prevent further harassment. In writing, revoke any prior consent given to call outside normal hours. Formalize your request for them to cease contact at your workplace if prohibited by your employer. Send a cease and desist letter via certified mail demanding no further contact by phone. Verbally request them to stop calling during any conversation.

Seeking assistance on the next steps is crucial. Report any violations, with documentation, to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Ask an experienced credit counselor how to address the debt without incurring further collection calls.

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

If 323-443-0009 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 323-443-0009, which is linked to Portfolio Recovery, a debt collection agency, it’s crucial to validate the debt and understand your options. To validate the debt, send a debt validation letter by mail, as they are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have verified the debt’s accuracy, consider the following options:

1. Negotiate a lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report.
3. Assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance on debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Always remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 323-443-0009 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 323-443-0009, it is likely connected to Portfolio Recovery, a debt collection agency. Be cautious, as they have faced accusations of scamming due to aggressive collection methods.

If you owe the debt, the collector could potentially 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, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert inability to pay and request they cease contact.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

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 323-443-0009 Is A Collection Company, How Can I Remove It From My Credit Report?

If 323-443-0009 is a collection company, the first step is to verify the accuracy of the debt they’re claiming. Request written confirmation from the agency and go through it meticulously. If there are any discrepancies, dispute the debt in writing and demand its removal. If the debt is valid, explore the possibility of negotiating a pay-for-delete agreement, offering a good faith settlement with deletion, or hiring a credit repair service. Alternatively, you can wait for the 7-year time limit for the collection to be removed from your report naturally. If the collector breaches laws, submit a complaint to the Consumer Financial Protection Bureau or consult a consumer law attorney. Maintain thorough records of your endeavors to resolve the contested collection account.

What Feedback And Comments Do People Leave About 323-443-0009?

People often leave feedback and comments about 323-443-0009, a phone number associated with Portfolio Recovery, a debt collection agency. Users have reported experiencing calls related to debt collection, with some considering the calls to be harassing. These calls have been made at various times, including weekends, and the caller has used different numbers. Despite blocking these numbers, users have mentioned that the calls continue.

Comments and feedback left by users include advice to contact other numbers or websites, expressing frustration over the inability to stop the calls, and the harassing nature of the calls. Some users have also reported that they have verified their debts and blocked unwanted calls, but the calls persist. It is essential for users to understand and assert their rights under the Fair Debt Collection Practices Act (FDCPA) to protect themselves from such aggressive collection methods.

To address this issue, users can request debt validation and negotiate a settlement with the debt collector. In cases where legal action is necessary, users may consider consulting a lawyer. Additionally, they can explore credit counseling or bankruptcy options to manage their debt situation. To improve their credit report, users can attempt to negotiate with the collection agency and dispute any inaccuracies in their report.

Monitoring reviews and feedback on 323-443-0009 can help users understand the experiences of others and potentially find solutions to their own debt collection issues.