336-564-2524

What Company Is Calling Me From 336-564-2524? Are They A Scam And Why Are They Calling Me?

The phone number 336-564-2524 is associated with Portfolio Recovery Associates, a debt collection agency based in Kernersville, North Carolina. These calls are made by a landline registered to US LEC of North Carolina, Inc. The calls are legitimate and not scams, as Portfolio Recovery Associates is a legal debt buying company that aims to recover owed funds.

It is essential to recognize that these calls are made by a legitimate debt collection agency. To protect your rights under the Fair Debt Collection Practices Act (FDCPA), maintain records of calls, request no further contact, and seek advice from an attorney or credit counselor. Verify the debt, negotiate a settlement or payment plan, and be aware of potential legal actions. If the debt is found to be invalid, dispute it under the Fair Credit Reporting Act and demand removal.

How Can I Block Or Stop Calls From 336-564-2524?

To stop or block calls from 336-564-2524, you should first identify if the calls are from a legitimate debt collection agency like Portfolio Recovery Associates. If they are, follow these steps:

1. Let the calls go to voicemail and do not answer directly.
2. Block the number by contacting your phone carrier or using call blocking apps.
3. Send a cease and desist letter requesting no further contact.
4. Consult a credit counselor or attorney to address the underlying debt and protect your rights.
5. Validate the debt, negotiate a settlement or payment plan, and be aware of potential legal actions. If the debt is invalid, dispute it under the Fair Credit Reporting Act and demand removal.

By following these steps, you can effectively manage calls from 336-564-2524 and safeguard your rights under the Fair Debt Collection Practices Act.

Is 336-564-2524 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you receive a call from the number 336-564-2524, which is associated with Portfolio Recovery Associates, a legitimate debt collection agency, it’s essential to document the details of the calls, such as the date, time, frequency, and any abusive language used. To protect your rights, consider revoking consent for further contact and requesting that the calls cease. Additionally, you can seek assistance from the Consumer Financial Protection Bureau, a consumer protection attorney, or your state Attorney General’s office.

Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections against harassing debt collection calls. If you feel that your rights are being violated, take action by documenting the calls and asserting your rights. You can also consult with an attorney or credit counselor to help you navigate the process and negotiate a settlement or payment plan.

In the end, if the debt is found to be invalid, you can dispute it under the Fair Credit Reporting Act and demand removal. It’s crucial to be proactive in protecting your rights and understanding your options under the law.

If 336-564-2524 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 336-564-2524 is a debt collector, your first step should be to validate the debt. Request written validation from the collector via mail, as required by the FDCPA. Carefully review the validation for any inaccuracies and dispute them accordingly.

Once the debt is validated, consider negotiating a settlement or payment plan. Remember your rights under the FDCPA, such as revoking prior permission for contact outside FDCPA guidelines. If needed, seek assistance from non-profit credit counseling agencies or consult an attorney for bankruptcy or legal action.

Maintain records of all correspondence and calls, and ensure the debt collector abides by FDCPA guidelines. Being well-informed and proactive will help you protect your rights and manage the debt effectively.

Can 336-564-2524 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you owe money to 336-564-2524, it’s crucial to know that debt collectors have the legal right to sue you for repayment and potentially garnish your wages or bank accounts if they win a court judgment. To avoid such consequences, try negotiating affordable payment terms, asserting your inability to pay, or seeking assistance from a non-profit credit counselor or attorney. If your debts become overwhelming, bankruptcy may be an option to consider. Remember to document all your efforts and carefully evaluate any settlement terms before agreeing to them.

If 336-564-2524 Is A Collection Company, How Can I Remove It From My Credit Report?

If 336-564-2524 is a collection company, you can remove it from your credit report by following these steps:

1. First, ensure the debt is legitimate by requesting written confirmation from the collection agency. Carefully review the validation for accuracy and report any discrepancies.

2. If any information is incorrect, dispute the debt under the Fair Credit Reporting Act (FCRA) and demand removal. Be sure to provide evidence to support your dispute.

3. If the debt is valid, consider negotiating a pay-for-delete agreement with the collection company. This involves offering to pay the debt in exchange for them removing it from your credit report.

4. Another option is to offer a partial settlement, which means paying a reduced amount of the debt in exchange for removal from your credit report.

5. Hiring a credit repair service can help you navigate the process and ensure your rights are protected under the FCRA.

6. Waiting for the 7-year limit: Under the FCRA, most negative information can only stay on your credit report for seven years. If you wait for this time to pass, the collection agency should automatically remove the debt from your report.

7. If you feel the collection agency is violating your rights under the FDCPA, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.

8. Consult an attorney to discuss your legal options and rights.

9. Maintain detailed records of all communications and actions taken throughout the process to ensure accuracy and protect your rights.

By following these steps, you can work to remove 336-564-2524 from your credit report and improve your credit standing.

What Feedback And Comments Do People Leave About 336-564-2524?

What feedback and comments do people leave about 336-564-2524? Users report receiving calls from this number without leaving messages, causing suspicions of scams. However, 336-564-2524 is associated with Portfolio Recovery Associates, a legitimate debt collection agency. Most feedback revolves around identifying the caller and considering the calls unwanted, with no major complaints. In essence, it’s crucial to verify the debt and engage in constructive communication with the debt collector to resolve the issue.