615-349-1851

What Company Is Calling Me From 615-349-1851? Are They A Scam And Why Are They Calling Me?

Portfolio Recovery Associates is the company calling from 615-349-1851, and they are a debt collection agency. They may be using this number to call individuals regarding outstanding debts, sometimes in a harassing manner. It is essential to ensure that debt collectors follow the Fair Debt Collection Practices Act (FDCPA) and to be cautious when providing personal information over the phone.

To identify debt collectors, check voicemail messages and block the number through phone carrier or call blocking apps. Consult a non-profit credit counselor or attorney to address the underlying debt and protect your rights. Understand the protections provided by the FDCPA, document details of debt collection calls, and assert your rights. Request written validation of the debt and negotiate a settlement or payment plan. Seek help from credit counseling agencies or attorneys for guidance and potential legal action. Maintain detailed records throughout the process and revoke permission for improper contact.

How Can I Block Or Stop Calls From 615-349-1851?

To stop calls from 615-349-1851, first determine if the caller is a debt collector. Let unknown calls go to voicemail. Contact your phone carrier to block the number or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, send a cease and desist letter via certified mail demanding no further calls. Check your state’s laws for additional protections and send a cease and desist letter invoking those rights. Keep detailed records of all calls to show a pattern of harassment if necessary.

Consider seeking help from a non-profit credit counselor to negotiate a debt resolution or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls does not eliminate debts, but taking action can stop harassment while addressing outstanding debts.

Is 615-349-1851 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 615-349-1851 regarding outstanding debts, it is crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). This act is designed to protect consumers from harassment and abuse by debt collectors.

To document potential FDCPA violations, keep records of the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours (8am – 9pm in your time zone) or if they repeatedly call over a short period. Also, log any abusive, threatening, or obscene language used on calls.

Asserting your rights is essential to prevent further harassment. You can revoke any prior consent given to call outside normal hours, request them to cease contact at your workplace if prohibited by your employer, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation.

If you believe there have been violations, report them 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, and 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 615-349-1851 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 615-349-1851 is a debt collector, the first step is to validate the debt they claim you owe. To do this, send a debt validation letter by mail, requesting written proof of the debt. This is legally required under the Fair Debt Collection Practices Act (FDCPA).

Once you’ve confirmed the debt’s validity, consider your options. You can negotiate a settlement or payment plan, offer partial payment, or dispute any incorrect information and request its removal from your credit report. If the collector violates FDCPA regulations, assert your rights and consider consulting a non-profit credit counseling agency or attorney for guidance.

Remember to keep detailed records of all correspondence and calls, and revoke any prior permission given for improper contact. With knowledge of your rights and the FDCPA, you can navigate the debt collection process and find the best path to resolution.

Can 615-349-1851 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like Portfolio Recovery Associates, calling from 615-349-1851, is trying to collect a legitimate debt, they could potentially sue you and garnish your wages or bank accounts if they obtain a court judgment. 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. This may prevent suit, but they could still proceed.
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. Meet with an attorney to discuss if it’s appropriate.
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 615-349-1851 Is A Collection Company, How Can I Remove It From My Credit Report?

If 615-349-1851 is a debt collection company, the first step to remove it from your credit report is to validate if the debt is legitimate. Request written confirmation from the collection agency, and review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf is another option, as they can provide legal resources to assist in getting it removed.

Waiting out the 7-year credit reporting time limit for the collection to automatically fall off your report is another possibility. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consulting a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages is another viable option.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 615-349-1851?

When people receive calls from 615-349-1851, they are typically associated with Portfolio Recovery Associates, a debt collection agency. Individuals have reported multiple calls in a short timeframe, often regarding unpaid credit card bills or old debts. Some users even label the number as spam or scam, although no illegal activities have been proven. To ensure fair debt collection practices, it is essential to understand the Fair Debt Collection Practices Act (FDCPA) and protect yourself from harassment.

It is crucial to be cautious when providing personal information over the phone and identify the debt collectors by checking voicemail messages and blocking the number through your phone carrier or call blocking apps. If you find the calls to be harassing, consult a non-profit credit counselor or attorney to address the underlying debt and protect your rights.

Understand the protections provided by the FDCPA, document details of debt collection calls, and assert your rights. Request written validation of the debt and negotiate a settlement or payment plan. Seek help from credit counseling agencies or attorneys for guidance and potential legal action.

Lastly, maintain detailed records throughout the process and revoke permission for improper contact to ensure your rights are protected and you are treated fairly by debt collectors.