631-386-6934

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What Company Is Calling Me From 631-386-6934? Are They A Scam And Why Are They Calling Me?

The company calling you from 631-386-6934 is Portfolio Recovery Associates, a debt collection agency. They may be calling due to an unpaid debt that has been sold to them by the original creditor. Although there have been reports of scams and telemarketers associated with this number, it is primarily a debt collector. To clarify the situation or report unwanted calls, you can speak with a representative from Portfolio Recovery Associates or file a complaint with the Federal Trade Commission (FTC).

Ultimately, it is essential to identify if the call is from a debt collector, block the number, and avoid answering unknown calls. Consult a non-profit credit counselor or attorney for help with debt resolution and understand the Fair Debt Collection Practices Act (FDCPA) protections and rights as a consumer. Document potential violations, assert your rights, request debt validation, negotiate a settlement or payment plan, and seek legal assistance if necessary. Be aware of potential legal action, settle a debt carefully, and validate debt legitimacy. In the end, blocking the number, validating debt legitimacy, and negotiating pay-for-delete agreements or partial settlements can help protect your financial interests.

How Can I Block Or Stop Calls From 631-386-6934?

If you receive calls from 631-386-6934, determine if it’s a debt collector. Ignore unknown calls and let them go to voicemail. If it’s a debt collector, block the number through your phone carrier or use call blocking apps. Set contacts not in your address book to go straight to voicemail.

After blocking the number, send a cease and desist letter via certified mail demanding no further calls. Check your state’s laws beyond the FDCPA, and use them in your cease and desist letter. Keep detailed records of calls as evidence of harassment.

To resolve any outstanding debts, consult a non-profit credit counselor for negotiation assistance. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Blocking calls won’t eliminate debts, but taking action can stop harassment and address outstanding debts.

Is 631-386-6934 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 631-386-6934, it is essential to document the details of these calls, such as date, time, frequency, phone number, and any violations you might experience. Monitor if the calls are made outside of allowed hours, repeatedly within a short period, or involve abusive language.

To protect your rights as a consumer, revoke any prior consent for calls outside normal hours and request that they cease contact at your workplace. You can also send a cease and desist letter and verbally request the collector to stop calling during any conversation. In case of FDCPA violations, report the incidents to the Consumer Financial Protection Bureau to initiate an investigation. Consult with a consumer protection attorney to discuss your rights and options, including suing for damages. Additionally, contact your state Attorney General’s office for guidance on handling FDCPA violations. Lastly, consider speaking to an experienced credit counselor to address the debt without incurring further collection calls. Remember, debt collectors must abide by the FDCPA, and asserting your rights can help prevent further harassment.

If 631-386-6934 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 631-386-6934 and the caller claims to be a debt collector, it’s important to validate the debt and understand your options. To do this, follow these steps:

1. Request written validation of the debt by sending a debt validation letter to the collector. They must provide this information under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy, checking your personal details, creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before making any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. Assert your rights under the FDCPA if the collector violates regulations.
4. Consult a non-profit credit counseling agency for guidance on debt resolution.
5. Seek legal advice from an attorney to explore bankruptcy or legal action against the collector.
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 be proactive in dealing with debt collectors and make sure to exercise your consumer rights under federal and state law. Seek professional help when necessary to ensure a fair outcome.

Can 631-386-6934 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re contacted by 631-386-6934, it could be a debt collector seeking payment. If the debt is valid, they have the legal right to sue you and potentially garnish your wages. To prevent this, negotiate a payment plan, assert inability to pay, and ask them to stop contacting you. You can also consult a non-profit credit counselor or hire a consumer law attorney for guidance. Bankruptcy is another option if debts are overwhelming. Make sure any settlement terms are in writing, and remember that collectors can still sue if you default on a settlement. Always document your interactions and efforts to resolve the debt.

If 631-386-6934 Is A Collection Company, How Can I Remove It From My Credit Report?

First, you should verify if 631-386-6934 is a legitimate debt collection company by requesting written confirmation about the debt. Ensure the details are accurate and if there are any inaccuracies, send a written dispute to the collection agency as per the Fair Credit Reporting Act.

If the debt is valid, you can try negotiating a pay-for-delete agreement in writing to settle the debt and have it removed. Offer a good faith partial payment and request deletion as a goodwill gesture. You can also hire a credit repair service to dispute the debt on your behalf and provide legal resources to help in getting it removed.

Another option is to wait for the 7-year credit reporting time limit for the collection to fall off your report automatically. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. You can also consult a consumer law attorney to review if the collector broke any laws, enabling you to sue for removal and damages.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can remove collections from your credit report through persistence and proper documentation. However, always focus on determining if the debt is legitimate before taking any action.

What Feedback And Comments Do People Leave About 631-386-6934?

When people leave feedback about 631-386-6934, they often express dissatisfaction with the number being associated with Portfolio Recovery Associates, a debt collection agency. Users report receiving unwanted, spam, and robocalls related to debt collection on their cell phones. These calls can be frequent, causing annoyance and inconvenience. Some individuals have blocked the number to prevent further calls. To address concerns or report unwanted calls, contact Portfolio Recovery Associates or the Federal Trade Commission (FTC). It’s essential to identify if the call is from a debt collector, block the number, and avoid answering unknown calls. Consult a non-profit credit counselor or attorney for help with debt resolution, and be aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Assert your rights, request debt validation, negotiate a settlement or payment plan, and seek legal assistance if necessary. Be cautious of potential legal action, settle a debt carefully, and validate debt legitimacy before taking any further steps.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE