619-941-0025

What Company Is Calling Me From 619-941-0025? Are They A Scam And Why Are They Calling Me?

If you’re receiving calls from 619-941-0025, it is likely Portfolio Recovery, a legitimate debt collection agency, contacting you about outstanding debts on behalf of other companies. While their calls are not scams, they may be unwanted. It is essential to assert your rights under the Fair Debt Collection Practices Act (FDCPA) and negotiate a settlement or installment plan if the debt is legitimate. Additionally, keep detailed records and consider consulting a credit counselor or attorney for guidance if collectors violate laws or you need further assistance.

How Can I Block Or Stop Calls From 619-941-0025?

First, identify if the calls are from a debt collector by letting the call go to voicemail and not answering directly. If it is a debt collector, contact your phone carrier to block the number or use call blocking apps on your device.

Next, send a cease and desist letter to the debt collector, keeping records of the calls you receive. If the debt is legitimate, negotiate a settlement or installment plan while asserting your rights under the Fair Debt Collection Practices Act (FDCPA). Report any violations to the appropriate authorities.

Lastly, if you need help managing the debt, consult a credit counselor or speak to a consumer protection attorney. By taking these steps, you can effectively manage and block calls from 619-941-0025 and protect your rights as a consumer.

Is 619-941-0025 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the phone number 619-941-0025, it’s crucial to know your rights as a consumer under the Fair Debt Collection Practices Act (FDCPA). This law is designed to shield you from bothersome debt collection calls and tactics. If you think this number is breaching your rights, make a note of the call details, frequency, and any violations such as calling outside of allowed hours.

To defend your rights, you can withdraw consent for the collector to contact you, request that they stop calling, and send a cease and desist letter. If the collector continues to violate the FDCPA, report the violations to the Consumer Financial Protection Bureau or seek legal assistance from an attorney. You can also reach out to your state Attorney General’s office for help.

Keeping thorough records of your interactions with the debt collector can help prevent further harassment. If the debt is legitimate, negotiate a settlement or installment plan with the collector. No matter the situation, make sure you’re aware of your rights under the FDCPA and take action to protect yourself from unfair debt collection practices.

If 619-941-0025 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, establish if 619-941-0025 is indeed a debt collector. If so, validate the debt by requesting written proof from the collector, detailing the debt’s existence, amount, and creditor. Carefully review the information for any errors or discrepancies. Dispute any inaccuracies with both the collector and credit bureaus.

Next, negotiate a settlement or payment plan that suits your financial situation, while ensuring the debt collector adheres to the FDCPA guidelines. Remember, you have the right to halt communication with the collector, except for written notifications regarding the debt.

In case of continuous harassment or FDCPA violations, consult a credit counselor or attorney for advice. Moreover, report the collector to the appropriate authorities. Keep comprehensive records of all interactions and transactions with the debt collector to safeguard your rights and interests.

Can 619-941-0025 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 619-941-0025, it’s essential to know your rights and options. If the debt is valid, they can sue you to recover the owed amount. If they succeed in obtaining a court judgment, your wages or bank accounts could be garnished. To prevent legal action, try negotiating affordable payment plans, asserting your inability to pay, seeking assistance from a non-profit credit counselor, or hiring a consumer law attorney. Bankruptcy might be an option if your debts are overwhelming. Make sure to document all communication and carefully evaluate any settlement terms before agreeing to them.

If 619-941-0025 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm if 619-941-0025 is a legitimate collection company by asking for written proof and checking for accuracy. If there are any inaccuracies, dispute the debt and request its removal.

You can also negotiate a pay-for-delete agreement, offer a good faith partial settlement, or hire a credit repair service for assistance. In some cases, waiting for the debt to expire after seven years might be the best option.

If collectors violate the Fair Debt Collection Practices Act (FDCPA) or continue to harass you, file a complaint with the Consumer Financial Protection Bureau or seek legal advice. Keep detailed records and follow the necessary steps to protect your credit and rights.

What Feedback And Comments Do People Leave About 619-941-0025?

People have left various feedback and comments about the phone number 619-941-0025, including unwanted calls, debt collectors, financial services, telemarketing, and potential scams. These comments can be found on review sites and databases, where users warn others and encourage reporting unwanted calls. To understand the full scope of feedback, a comprehensive analysis of all comments, their volume, and recency would be necessary.

Ultimately, 619-941-0025 is a phone number used by Portfolio Recovery, a debt collection agency representing various companies. If you receive calls from this number, identify if it’s a debt collector and block unwanted calls. Assert your rights under the Fair Debt Collection Practices Act (FDCPA), and negotiate a settlement or installment plan if the debt is legitimate. If collectors violate laws, report them to authorities. Keep detailed records and consider consulting a credit counselor or attorney for guidance.